Last $23.50 USD
Change Today 0.00 / 0.00%
Volume 0.0
As of 8:10 PM 01/22/15 All times are local (Market data is delayed by at least 15 minutes).

emclaire financial corp (EMCF) Snapshot

Open
$23.50
Previous Close
$23.50
Day High
$23.50
Day Low
$23.50
52 Week High
06/23/14 - $27.90
52 Week Low
06/11/14 - $20.03
Market Cap
41.6M
Average Volume 10 Days
126.0
EPS TTM
$1.99
Shares Outstanding
1.8M
EX-Date
11/26/14
P/E TM
11.8x
Dividend
$0.88
Dividend Yield
3.52%
Current Stock Chart for EMCLAIRE FINANCIAL CORP (EMCF)

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emclaire financial corp (EMCF) Details

Emclaire Financial Corp. operates as the holding company for The Farmers National Bank of Emlenton that provides retail and commercial financial products and services to individuals and businesses in western Pennsylvania. The company’s deposit products include checking, savings, and term certificate accounts; time deposits; noninterest bearing and interest bearing demand deposit accounts; and money market accounts. Its loan portfolio comprises one-to-four family mortgage loans, home equity loans, and commercial business and commercial real estate loans; and consumer loans, such as loans for automobile purchases, home improvements not secured by real estate, capital, and other personal expenditures, as well as unsecured revolving personal lines of credit and overdraft protection. The company, through its subsidiary, Emclaire Settlement Services, LLC, also provides real estate settlement services. As of October 24, 2014, it operated 15 full service banking offices in Venango, Butler, Clarion, Clearfield, Crawford, Elk, Jefferson, and Mercer counties, Pennsylvania. The company was founded in 1900 and is headquartered in Emlenton, Pennsylvania.

116 Employees
Last Reported Date: 03/21/14
Founded in 1900

emclaire financial corp (EMCF) Top Compensated Officers

Chairman, Chief Executive Officer, President,...
Total Annual Compensation: $323.0K
Chief Financial Officer, Treasurer, Chief Fin...
Total Annual Compensation: $145.1K
Assistant Secretary, Chief Credit Officer of ...
Total Annual Compensation: $145.1K
Compensation as of Fiscal Year 2013.

emclaire financial corp (EMCF) Key Developments

Emclaire Financial Corp. and The Farmers National Bank of Emlenton Appoints Milissa Bauer and Robert W. Freeman to Board of Directors, Effective January 1, 2015

Emclaire Financial Corp. and The Farmers National Bank of Emlenton announced the appointment of Milissa Bauer and Robert W. Freeman to the Boards of Directors of the company and the Bank, effective January 1, 2015. Milissa Bauer has served as Executive Vice President of the Kriebel Companies since August 2008. Ms. Bauer has been with Kriebel since 1990. She currently manages day-to-day relationships with Kriebel's partners and many of the day-to-day operations at Kriebel. Her responsibilities include partner relations, financial and tax-related information and filings, marketing and delivering of natural gas to end users and special projects. Robert W. Freeman is a partner in Beaconfield Consulting Group LLC, Pennsylvania that provides governance, project management, process improvement and leadership consulting services to various industries, including Fortune 500 companies. Mr. Freeman has a broad financial management and information technology background. Previously, he served as Vice President of IT at Phillips Pet Food Supplies in Easton, Pennsylvania and prior to that as Chief Financial Officer of Iron Mountains, LLC in Morgantown, Pennsylvania. Mr. Freemen held senior management and analyst positions with IBM Global Services and Hershey Foods Corporation before joining Iron Mountains, LLC.

Emclaire Financial Corp Declares Quarterly Dividend, Payable on December 19, 2014

The board of directors of Emclaire Financial Corp. declared a quarterly cash dividend on November 19, 2014 of $0.22 per common share payable on December 19, 2014, to shareholders of record on December 1, 2014.

Emclaire Financial Corp Reports Unaudited Consolidated Earnings Results for the Third Quarter and Nine Months Ended September 30, 2014

Emclaire Financial Corp. reported unaudited consolidated earnings results for the third quarter and nine months ended September 30, 2014. For the quarter, the company reported an increase in net income available to common stockholders of $30,000, or 3.1%, to $997,000 or $0.56 per diluted common share compared to $967,000 or $0.54 per diluted common share for the same period in 2013. The corporation realized a return on average assets of 0.68% and a return on average equity of 8.50% compared to 0.82% and 8.85%, respectively, reported for the same period in 2013. Net interest income increased $140,000, or 3.5%, to $4.2 million from $4.0 million for the same period in 2013. The increase in net interest income resulted from an increase in interest income of $70,000, or 1.4%, and a decrease in interest expense of $70,000, or 8.1%. Income before provision for income taxes was $1,263,000 against $1,354,000 for the same period in the last year. Return on average common equity was 9.26% against 9.77% for the same period in the last year. For the nine months, net income available to common shareholders was $2.7 million or $1.49 per diluted common share compared to $2.5 million or $1.42 per diluted common share, for the same period in 2013. The increase in net income available to common stockholders for both periods was driven by an increase in net interest income and a decrease in preferred stock dividends. Net interest income increased $517,000, or 4.4%, to $12.3 million from $11.8 million for the same period in 2013. The increase in net interest income resulted from a decrease in interest expense of $608,000, or 21.0%, as the corporation's cost of funds decreased 24 basis points to 0.60% for the first nine months of 2014 from 0.84% for the same period in 2013. Income before provision for income taxes was $3,417,000 against $3,590,000 for the same period in the last year. Return on average assets was 0.65% against 0.74% for the same period in the last year. Return on average equity was 7.81% against 7.59% for the same period in the last year. Return on average common equity was 8.50% against 8.21% for the same period in the last year. Book value per common share as on September 30, 2014 was $24.24 against $22.66 for the same period in the last year. Tangible book value per common share as on September 30, 2014 was $21.73 against $20.04 for the same period in the last year.

 

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Industry Analysis

EMCF

Industry Average

Valuation EMCF Industry Range
Price/Earnings 11.8x
Price/Sales 2.1x
Price/Book 1.0x
Price/Cash Flow 11.3x
TEV/Sales NM Not Meaningful
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