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Last $23.87 USD
Change Today +0.07 / 0.29%
Volume 1.4K
EMCF On Other Exchanges
Symbol
Exchange
NASDAQ CM
As of 8:10 PM 07/31/15 All times are local (Market data is delayed by at least 15 minutes).

emclaire financial corp (EMCF) Snapshot

Open
$23.56
Previous Close
$23.80
Day High
$23.95
Day Low
$23.55
52 Week High
03/18/15 - $27.15
52 Week Low
06/10/15 - $20.79
Market Cap
50.9M
Average Volume 10 Days
488.2
EPS TTM
$2.16
Shares Outstanding
2.1M
EX-Date
06/4/15
P/E TM
11.1x
Dividend
$0.96
Dividend Yield
3.86%
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.

120 Employees
Last Reported Date: 03/20/15
Founded in 1900

emclaire financial corp (EMCF) Top Compensated Officers

Chairman, Chief Executive Officer, President,...
Total Annual Compensation: $355.0K
Chief Financial Officer, Treasurer, Chief Fin...
Total Annual Compensation: $154.8K
Assistant Secretary, Chief Credit Officer of ...
Total Annual Compensation: $154.8K
Compensation as of Fiscal Year 2014.

emclaire financial corp (EMCF) Key Developments

Emclaire Financial Corp. Reports Unaudited Consolidated Earnings Results for the Second Quarter and Six Months Ended June 30, 2015

Emclaire Financial Corp. reported unaudited consolidated earnings results for the second quarter and six months ended June 30, 2015. For the quarter, the company reported an increase in consolidated net income available to common stockholders of $49,000, or 5.7%, to $902,000, or $0.48 per diluted common share, compared to $853,000, or $0.48 per diluted common share, for the same period in 2014. The aforementioned increase in consolidated net income for the second quarter of 2015 primarily resulted from increases in net interest income and noninterest income of $390,000 and $15,000, respectively, partially offset by increases in noninterest expense, the provision for income taxes and the provision for loan losses of $305,000, $31,000 and $20,000, respectively. Net interest income increased $390,000, or 9.4%, to $4.5 million for the quarter from $4.2 million for the same period in 2014. The increase in net interest income resulted from an increase in interest income of $346,000, or 7.1%, as the corporation experienced increases in the average balance of loans and investments between the quarterly periods. As on June 30, 2015, the company's tangible book value per common share was $22.30 and book value per common share was $24.32. Income before provision for income taxes was $1.2 million compared with $1.1 million a year ago. Return on average assets was 0.62% compared with 0.62% a year ago. Return on average equity was 7.30% compared with 7.52% a year ago. Return on average common equity was 7.87% compared with 8.18% a year ago. For the six months, the company's net income available to common shareholders was $1.7 million, or $0.90 per diluted common share, relatively unchanged from $1.7 million, or $0.94 per diluted share, for the same period in 2014. Earnings per common share were flat for the second quarter of 2015 and slightly lower for the current year to date period compared to the same periods in the prior year due to additional shares issued late in the second quarter of 2015 resulting from a private placement common stock offering. This decrease primarily resulted from a decrease in noninterest income of $645,000 and increases in the provision for loan losses and noninterest expense of $26,000 and $49,000, respectively, partially offset by a $692,000 increase in net interest income and a $16,000 decrease in the provision for income taxes. Net interest income increased $692,000, or 8.5%, to $8.8 million for the period from $8.2 million for the same period in 2014. The increase in net interest income resulted from an increase in interest income of $635,000, or 6.6%, as the corporation experienced increases in the average balance of loans and investments. Income before provision for income taxes was $2.1 million compared with $2.2 million a year ago. Return on average assets was 0.58% compared with 0.63% a year ago. Return on average equity was 6.91% compared with 7.45% a year ago. Return on average common equity was 7.46% compared with 8.11% a year ago.

Emclaire Financial Corp. Declares Quarterly Cash Dividend, Payable on June 19, 2015

The Board of Directors of Emclaire Financial Corp. declared a quarterly cash dividend on May 27, 2015 of $0.24 per common share payable on June 19, 2015 to shareholders of record on June 8, 2015. This quarterly dividend reflects an annualized dividend yield of 3.9% based on the stock's closing price of $24.50 per share on May 26, 2015.

Emclaire Financial Corp. Reports Unaudited Consolidated Earnings Results for the First Quarter Ended March 31, 2015

Emclaire Financial Corp. reported unaudited consolidated earnings results for the first quarter ended March 31, 2015. For the quarter, the company reported interest income of $5,034,000 against $4,745,000 a year ago. Net interest income was $4,306,000 against $4,004,000 a year ago. Income before provision for income taxes was $952,000 against $1,058,000 a year ago. Net income was $781,000 against $841,000 a year ago. Net income available to common stockholders was $756,000 against $816,000 a year ago. Basic and diluted earnings per common share were $0.42 against $0.46 per share a year ago. Return on average assets was 0.54% against 0.65% a year ago. Return on average equity was 6.49% against 7.37% a year ago. Return on average common equity was 7.00% against 8.02% a year ago. Book value per common share was $24.72 against $24.14 per share a year ago. Tangible book value per common share was $22.27 against $21.66 per share a year ago.

 

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Bank of the James Financial Group Inc $11.50 USD 0.00
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Industry Analysis

EMCF

Industry Average

Valuation EMCF Industry Range
Price/Earnings 11.1x
Price/Sales 2.2x
Price/Book 0.9x
Price/Cash Flow 12.7x
TEV/Sales 0.8x
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