View Future GrowthThis company has been acquiredThe company may no longer be operating, as it has been acquired. Find out why through their latest events.See Latest EventsEmclaire Financial 과거 순이익 실적과거 기준 점검 3/6핵심 정보19.01%순이익 성장률14.60%주당순이익(EPS) 성장률Banks 산업 성장률11.18%매출 성장률7.13%자기자본이익률14.65%순이익률28.68%최근 순이익 업데이트30 Sep 2022최근 과거 실적 업데이트Reported Earnings • Nov 16Third quarter 2022 earnings released: EPS: US$1.10 (vs US$1.24 in 3Q 2021)Third quarter 2022 results: EPS: US$1.10 (down from US$1.24 in 3Q 2021). Revenue: US$9.30m (down 5.7% from 3Q 2021). Net income: US$3.01m (down 11% from 3Q 2021). Profit margin: 32% (down from 34% in 3Q 2021). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 19% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.Reported Earnings • Aug 13Second quarter 2022 earnings released: EPS: US$0.78 (vs US$0.68 in 2Q 2021)Second quarter 2022 results: EPS: US$0.78 (up from US$0.68 in 2Q 2021). Revenue: US$8.67m (up 7.8% from 2Q 2021). Net income: US$2.14m (up 16% from 2Q 2021). Profit margin: 25% (up from 23% in 2Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.Reported Earnings • May 03First quarter 2022 earnings released: EPS: US$0.89 (vs US$0.80 in 1Q 2021)First quarter 2022 results: EPS: US$0.89 (up from US$0.80 in 1Q 2021). Revenue: US$8.83m (up 4.7% from 1Q 2021). Net income: US$2.44m (up 12% from 1Q 2021). Profit margin: 28% (up from 26% in 1Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has only increased by 5% per year, which means it is significantly lagging earnings growth.Reported Earnings • Mar 19Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$3.66 (up from US$2.42 in FY 2020). Revenue: US$35.0m (up 16% from FY 2020). Net income: US$9.98m (up 52% from FY 2020). Profit margin: 28% (up from 22% in FY 2020). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.15% (down from 3.16% in FY 2020). Non-performing loans: 0.42% (down from 0.51% in FY 2020). Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has fallen by 7% per year, which means it is significantly lagging earnings.Reported Earnings • Jan 31Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$3.66 (up from US$2.42 in FY 2020). Revenue: US$35.0m (up 16% from FY 2020). Net income: US$9.98m (up 52% from FY 2020). Profit margin: 28% (up from 22% in FY 2020). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.Reported Earnings • Oct 23Third quarter 2021 earnings released: EPS US$1.24 (vs US$0.66 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$9.86m (up 29% from 3Q 2020). Net income: US$3.38m (up 88% from 3Q 2020). Profit margin: 34% (up from 24% in 3Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.모든 업데이트 보기Recent updates공시 • Jan 04Emclaire Financial Corp(NasdaqCM:EMCF) dropped from NASDAQ Composite IndexEmclaire Financial Corp removed.Upcoming Dividend • Nov 23Upcoming dividend of US$0.31 per shareEligible shareholders must have bought the stock before 30 November 2022. Payment date: 16 December 2022. Payout ratio is a comfortable 33% and this is well supported by cash flows. Trailing yield: 3.8%. Lower than top quartile of American dividend payers (4.3%). Higher than average of industry peers (3.0%).공시 • Nov 17Emclaire Financial Corp Announces Quarterly Dividend, Payable on December 16, 2022The Board of Directors of Emclaire Financial Corp. declared a quarterly cash dividend on November 16, 2022 of $0.31 per common share payable on December 16, 2022, to shareholders of record on December 1, 2022.Reported Earnings • Nov 16Third quarter 2022 earnings released: EPS: US$1.10 (vs US$1.24 in 3Q 2021)Third quarter 2022 results: EPS: US$1.10 (down from US$1.24 in 3Q 2021). Revenue: US$9.30m (down 5.7% from 3Q 2021). Net income: US$3.01m (down 11% from 3Q 2021). Profit margin: 32% (down from 34% in 3Q 2021). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 19% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.Board Change • Nov 16Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 6 experienced directors. 5 highly experienced directors. Independent Director Steve Hunter was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Valuation Update With 7 Day Price Move • Sep 21Investor sentiment improved over the past weekAfter last week's 22% share price gain to US$38.50, the stock trades at a trailing P/E ratio of 10x. Average trailing P/E is 10x in the Banks industry in the US. Total returns to shareholders of 40% over the past three years.Upcoming Dividend • Aug 24Upcoming dividend of US$0.31 per shareEligible shareholders must have bought the stock before 31 August 2022. Payment date: 23 September 2022. Payout ratio is a comfortable 32% and this is well supported by cash flows. Trailing yield: 3.8%. Lower than top quartile of American dividend payers (4.1%). Higher than average of industry peers (3.1%).공시 • Aug 18Emclaire Financial Corp Announces Quarterly Dividend, Payable on September 23, 2022The Board of Directors of Emclaire Financial Corp. declared a quarterly cash dividend on August 17, 2022 of $0.31 per common share payable on September 23, 2022, to shareholders of record on September 1, 2022. This quarterly dividend reflects an annualized dividend yield of 3.7% based on the stock’s closing price of $33.80 per share on August 16, 2022.Seeking Alpha • Aug 17Emclaire Financial declares $0.31 dividendEmclaire Financial (NASDAQ:EMCF) declares $0.31/share quarterly dividend, in line with previous. Forward yield 3.78% Payable Sept. 23; for shareholders of record Sept. 1; ex-div Aug. 31. See EMCF Dividend Scorecard, Yield Chart, & Dividend Growth.Reported Earnings • Aug 13Second quarter 2022 earnings released: EPS: US$0.78 (vs US$0.68 in 2Q 2021)Second quarter 2022 results: EPS: US$0.78 (up from US$0.68 in 2Q 2021). Revenue: US$8.67m (up 7.8% from 2Q 2021). Net income: US$2.14m (up 16% from 2Q 2021). Profit margin: 25% (up from 23% in 2Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.Upcoming Dividend • May 24Upcoming dividend of US$0.31 per shareEligible shareholders must have bought the stock before 31 May 2022. Payment date: 17 June 2022. Payout ratio is a comfortable 32% and this is well supported by cash flows. Trailing yield: 3.6%. Lower than top quartile of American dividend payers (4.0%). Higher than average of industry peers (2.9%).공시 • May 19Emclaire Financial Corp Announces Quarterly Dividend, Payable on June 17, 2022The Board of Directors of Emclaire Financial Corp. declared a quarterly cash dividend on May 18, 2022 of $0.31 per common share payable on June 17, 2022, to shareholders of record on June 1, 2022.Reported Earnings • May 03First quarter 2022 earnings released: EPS: US$0.89 (vs US$0.80 in 1Q 2021)First quarter 2022 results: EPS: US$0.89 (up from US$0.80 in 1Q 2021). Revenue: US$8.83m (up 4.7% from 1Q 2021). Net income: US$2.44m (up 12% from 1Q 2021). Profit margin: 28% (up from 26% in 1Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has only increased by 5% per year, which means it is significantly lagging earnings growth.Board Change • Apr 27Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 6 experienced directors. 5 highly experienced directors. Independent Director Steve Hunter was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Mar 19Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$3.66 (up from US$2.42 in FY 2020). Revenue: US$35.0m (up 16% from FY 2020). Net income: US$9.98m (up 52% from FY 2020). Profit margin: 28% (up from 22% in FY 2020). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.15% (down from 3.16% in FY 2020). Non-performing loans: 0.42% (down from 0.51% in FY 2020). Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has fallen by 7% per year, which means it is significantly lagging earnings.Upcoming Dividend • Feb 22Upcoming dividend of US$0.31 per shareEligible shareholders must have bought the stock before 28 February 2022. Payment date: 18 March 2022. Payout ratio is a comfortable 33% but the company is not cash flow positive. Trailing yield: 4.2%. Within top quartile of American dividend payers (3.6%). Higher than average of industry peers (2.3%).분석 기사 • Feb 21Emclaire Financial (NASDAQ:EMCF) Has Announced That It Will Be Increasing Its Dividend To US$0.31The board of Emclaire Financial Corp ( NASDAQ:EMCF ) has announced that it will be increasing its dividend by 3.3% on...공시 • Feb 17Emclaire Financial Corp Declares Quarterly Cash Dividend, Payable on March 18, 2022The Board of Directors of Emclaire Financial Corp. declared a quarterly cash dividend on February 16, 2022 of $0.31 per common share payable on March 18, 2022, to shareholders of record on March 1, 2022. The $0.31 per share quarterly dividend represents a 3.3% increase from the $0.30 per common share dividend declared and paid each quarter during 2021.Reported Earnings • Jan 31Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$3.66 (up from US$2.42 in FY 2020). Revenue: US$35.0m (up 16% from FY 2020). Net income: US$9.98m (up 52% from FY 2020). Profit margin: 28% (up from 22% in FY 2020). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.Upcoming Dividend • Nov 23Upcoming dividend of US$0.30 per shareEligible shareholders must have bought the stock before 30 November 2021. Payment date: 17 December 2021. Trailing yield: 4.1%. Within top quartile of American dividend payers (3.5%). Higher than average of industry peers (2.3%).분석 기사 • Nov 21Emclaire Financial (NASDAQ:EMCF) Is Due To Pay A Dividend Of US$0.30The board of Emclaire Financial Corp ( NASDAQ:EMCF ) has announced that it will pay a dividend on the 17th of December...Board Change • Nov 02Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 6 experienced directors. 5 highly experienced directors. Independent Director Steve Hunter was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Oct 23Third quarter 2021 earnings released: EPS US$1.24 (vs US$0.66 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$9.86m (up 29% from 3Q 2020). Net income: US$3.38m (up 88% from 3Q 2020). Profit margin: 34% (up from 24% in 3Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.Upcoming Dividend • Aug 24Upcoming dividend of US$0.30 per shareEligible shareholders must have bought the stock before 31 August 2021. Payment date: 17 September 2021. Trailing yield: 4.3%. Within top quartile of American dividend payers (3.6%). Higher than average of industry peers (2.4%).분석 기사 • Aug 22Emclaire Financial (NASDAQ:EMCF) Is Due To Pay A Dividend Of US$0.30Emclaire Financial Corp ( NASDAQ:EMCF ) has announced that it will pay a dividend of US$0.30 per share on the 17th of...Reported Earnings • Jul 24Second quarter 2021 earnings released: EPS US$0.68 (vs US$0.44 in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$8.05m (up 12% from 2Q 2020). Net income: US$1.84m (up 53% from 2Q 2020). Profit margin: 23% (up from 17% in 2Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 11% per year but the company’s share price has fallen by 8% per year, which means it is significantly lagging earnings.공시 • May 21Emclaire Financial Corp Declares Quarterly Dividend, Payable on June 18, 2021The Board of Directors of Emclaire Financial Corp. declared a quarterly cash dividend on May 19, 2021 of $0.30 per common share payable on June 18, 2021, to shareholders of record on June 1, 2021. This quarterly dividend reflects an annualized dividend yield of 4.3% based on the stock’s closing price of $28.00 per share on May 18, 2021.Recent Insider Transactions • May 06Independent Director recently bought US$594k worth of stockOn the 4th of May, Nicholas Varischetti bought around 22k shares on-market at roughly US$27.30 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$1.0m more in shares than they have sold in the last 12 months.Reported Earnings • Apr 26First quarter 2021 earnings released: EPS US$0.80 (vs US$0.44 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$8.43m (up 22% from 1Q 2020). Net income: US$2.17m (up 83% from 1Q 2020). Profit margin: 26% (up from 17% in 1Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 9% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.분석 기사 • Apr 14You Have To Love Emclaire Financial Corp's (NASDAQ:EMCF) DividendIs Emclaire Financial Corp ( NASDAQ:EMCF ) a good dividend stock? How can we tell? Dividend paying companies with...Reported Earnings • Mar 20Full year 2020 earnings releasedThe company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2020 results: Revenue: US$30.2m (down 4.8% from FY 2019). Net income: US$6.56m (down 16% from FY 2019). Profit margin: 22% (down from 25% in FY 2019). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 3.16% (down from 3.35% in FY 2019). Non-performing loans: 0.51% (up from 0.41% in FY 2019). Over the last 3 years on average, earnings per share has increased by 7% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.분석 기사 • Feb 21Should You Buy Emclaire Financial Corp (NASDAQ:EMCF) For Its Upcoming Dividend?Regular readers will know that we love our dividends at Simply Wall St, which is why it's exciting to see Emclaire...Reported Earnings • Jan 30Full year 2020 earnings released: EPS US$2.42 (vs US$2.88 in FY 2019)The company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2020 results: Revenue: US$30.2m (down 4.8% from FY 2019). Net income: US$6.56m (down 16% from FY 2019). Profit margin: 22% (down from 25% in FY 2019). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 7% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.공시 • Jan 30Emclaire Financial Corp, Annual General Meeting, Apr 21, 2021Emclaire Financial Corp, Annual General Meeting, Apr 21, 2021, at 09:00 US Eastern Standard Time.분석 기사 • Dec 30How Much Is Emclaire Financial Corp (NASDAQ:EMCF) CEO Getting Paid?This article will reflect on the compensation paid to Bill Marsh who has served as CEO of Emclaire Financial Corp...공시 • Dec 20Emclaire Financial Corp Appoints Steven J. Hunter to the Board of Directors, Effective on January 1, 2021As previously reported, on December 16, 2020, the Board of Directors of Emclaire Financial Corp. appointed Steven J. Hunter to the Board of Directors of the company, effective on January 1, 2021. However, under the Bylaws of the company, Steven Hunter will fill a vacancy on the Board and serve an initial term as director until the company’s annual meeting of shareholders to be held in April 2023.Is New 90 Day High Low • Dec 17New 90-day high: US$28.49The company is up 6.0% from its price of US$27.00 on 18 September 2020. The American market is up 13% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 24% over the same period.Valuation Update With 7 Day Price Move • Dec 17Investor sentiment improved over the past weekAfter last week's 16% share price gain to US$28.49, the stock is trading at a trailing P/E ratio of 13.6x, up from the previous P/E ratio of 11.7x. This compares to an average P/E of 12x in the Banks industry in the US. Total returns to shareholders over the past three years are 2.8%.분석 기사 • Nov 25Don't Buy Emclaire Financial Corp (NASDAQ:EMCF) For Its Next Dividend Without Doing These ChecksReaders hoping to buy Emclaire Financial Corp (NASDAQ:EMCF) for its dividend will need to make their move shortly, as...Upcoming Dividend • Nov 24Upcoming Dividend of US$0.30 Per ShareWill be paid on the 18th of December to those who are registered shareholders by the 30th of November. The trailing yield of 4.8% is in the top quartile of American dividend payers (4.2%), and it is higher than industry peers (3.1%).Reported Earnings • Oct 25Third quarter earnings releasedOver the last 12 months the company has reported total profits of US$5.66m, down 13% from the prior year. Total revenue was US$29.1m over the last 12 months, down 11% from the prior year.Is New 90 Day High Low • Sep 19New 90-day high: US$27.00The company is up 3.0% from its price of US$26.10 on 19 June 2020. The American market is up 9.0% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Banks industry, which is down 3.0% over the same period.매출 및 비용 세부 내역Emclaire Financial가 돈을 벌고 사용하는 방법. 최근 발표된 LTM 실적 기준.순이익 및 매출 추이NasdaqCM:EMCF 매출, 비용 및 순이익 (USD Millions)날짜매출순이익일반관리비연구개발비30 Sep 22351015030 Jun 22361116031 Mar 22351016031 Dec 21351016030 Sep 21351016030 Jun 2133816031 Mar 2132816031 Dec 2030716030 Sep 2029616030 Jun 2030616031 Mar 2031716031 Dec 1932816030 Sep 1933616030 Jun 1931516031 Mar 1930515031 Dec 1829415030 Sep 1827514030 Jun 1826514031 Mar 1825514031 Dec 1725413030 Sep 1724513030 Jun 1724413031 Mar 1723413031 Dec 1623413030 Sep 1622412030 Jun 1622412031 Mar 16224120양질의 수익: EMCF는 고품질 수익을 보유하고 있습니다.이익 마진 증가: EMCF의 현재 순 이익률 (28.7%)은 지난해 (28.1%)보다 높습니다.잉여현금흐름 대비 순이익 분석과거 순이익 성장 분석수익추이: EMCF의 수익은 지난 5년 동안 연평균 19% 증가했습니다.성장 가속화: 지난 1년간 EMCF 의 수익 증가율(4.2%)은 5년 평균(연간 19%)보다 낮습니다.수익 대 산업: EMCF의 지난 1년 수익 증가율(4.2%)은 Banks 업계 평균(22.8%)을 능가하지 못했습니다.자기자본이익률높은 ROE: EMCF의 자본 수익률(14.7%)은 낮음으로 평가됩니다.총자산이익률투하자본수익률우수한 과거 실적 기업을 찾아보세요7D1Y7D1Y7D1YBanks 산업에서 과거 실적이 우수한 기업.View Financial Health기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2023/01/04 09:36종가2022/12/30 00:00수익2022/09/30연간 수익2021/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Emclaire Financial Corp는 0명의 분석가가 다루고 있습니다. 이 중 명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
Reported Earnings • Nov 16Third quarter 2022 earnings released: EPS: US$1.10 (vs US$1.24 in 3Q 2021)Third quarter 2022 results: EPS: US$1.10 (down from US$1.24 in 3Q 2021). Revenue: US$9.30m (down 5.7% from 3Q 2021). Net income: US$3.01m (down 11% from 3Q 2021). Profit margin: 32% (down from 34% in 3Q 2021). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 19% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Aug 13Second quarter 2022 earnings released: EPS: US$0.78 (vs US$0.68 in 2Q 2021)Second quarter 2022 results: EPS: US$0.78 (up from US$0.68 in 2Q 2021). Revenue: US$8.67m (up 7.8% from 2Q 2021). Net income: US$2.14m (up 16% from 2Q 2021). Profit margin: 25% (up from 23% in 2Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.
Reported Earnings • May 03First quarter 2022 earnings released: EPS: US$0.89 (vs US$0.80 in 1Q 2021)First quarter 2022 results: EPS: US$0.89 (up from US$0.80 in 1Q 2021). Revenue: US$8.83m (up 4.7% from 1Q 2021). Net income: US$2.44m (up 12% from 1Q 2021). Profit margin: 28% (up from 26% in 1Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has only increased by 5% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Mar 19Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$3.66 (up from US$2.42 in FY 2020). Revenue: US$35.0m (up 16% from FY 2020). Net income: US$9.98m (up 52% from FY 2020). Profit margin: 28% (up from 22% in FY 2020). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.15% (down from 3.16% in FY 2020). Non-performing loans: 0.42% (down from 0.51% in FY 2020). Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has fallen by 7% per year, which means it is significantly lagging earnings.
Reported Earnings • Jan 31Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$3.66 (up from US$2.42 in FY 2020). Revenue: US$35.0m (up 16% from FY 2020). Net income: US$9.98m (up 52% from FY 2020). Profit margin: 28% (up from 22% in FY 2020). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.
Reported Earnings • Oct 23Third quarter 2021 earnings released: EPS US$1.24 (vs US$0.66 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$9.86m (up 29% from 3Q 2020). Net income: US$3.38m (up 88% from 3Q 2020). Profit margin: 34% (up from 24% in 3Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
공시 • Jan 04Emclaire Financial Corp(NasdaqCM:EMCF) dropped from NASDAQ Composite IndexEmclaire Financial Corp removed.
Upcoming Dividend • Nov 23Upcoming dividend of US$0.31 per shareEligible shareholders must have bought the stock before 30 November 2022. Payment date: 16 December 2022. Payout ratio is a comfortable 33% and this is well supported by cash flows. Trailing yield: 3.8%. Lower than top quartile of American dividend payers (4.3%). Higher than average of industry peers (3.0%).
공시 • Nov 17Emclaire Financial Corp Announces Quarterly Dividend, Payable on December 16, 2022The Board of Directors of Emclaire Financial Corp. declared a quarterly cash dividend on November 16, 2022 of $0.31 per common share payable on December 16, 2022, to shareholders of record on December 1, 2022.
Reported Earnings • Nov 16Third quarter 2022 earnings released: EPS: US$1.10 (vs US$1.24 in 3Q 2021)Third quarter 2022 results: EPS: US$1.10 (down from US$1.24 in 3Q 2021). Revenue: US$9.30m (down 5.7% from 3Q 2021). Net income: US$3.01m (down 11% from 3Q 2021). Profit margin: 32% (down from 34% in 3Q 2021). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 19% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.
Board Change • Nov 16Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 6 experienced directors. 5 highly experienced directors. Independent Director Steve Hunter was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Valuation Update With 7 Day Price Move • Sep 21Investor sentiment improved over the past weekAfter last week's 22% share price gain to US$38.50, the stock trades at a trailing P/E ratio of 10x. Average trailing P/E is 10x in the Banks industry in the US. Total returns to shareholders of 40% over the past three years.
Upcoming Dividend • Aug 24Upcoming dividend of US$0.31 per shareEligible shareholders must have bought the stock before 31 August 2022. Payment date: 23 September 2022. Payout ratio is a comfortable 32% and this is well supported by cash flows. Trailing yield: 3.8%. Lower than top quartile of American dividend payers (4.1%). Higher than average of industry peers (3.1%).
공시 • Aug 18Emclaire Financial Corp Announces Quarterly Dividend, Payable on September 23, 2022The Board of Directors of Emclaire Financial Corp. declared a quarterly cash dividend on August 17, 2022 of $0.31 per common share payable on September 23, 2022, to shareholders of record on September 1, 2022. This quarterly dividend reflects an annualized dividend yield of 3.7% based on the stock’s closing price of $33.80 per share on August 16, 2022.
Seeking Alpha • Aug 17Emclaire Financial declares $0.31 dividendEmclaire Financial (NASDAQ:EMCF) declares $0.31/share quarterly dividend, in line with previous. Forward yield 3.78% Payable Sept. 23; for shareholders of record Sept. 1; ex-div Aug. 31. See EMCF Dividend Scorecard, Yield Chart, & Dividend Growth.
Reported Earnings • Aug 13Second quarter 2022 earnings released: EPS: US$0.78 (vs US$0.68 in 2Q 2021)Second quarter 2022 results: EPS: US$0.78 (up from US$0.68 in 2Q 2021). Revenue: US$8.67m (up 7.8% from 2Q 2021). Net income: US$2.14m (up 16% from 2Q 2021). Profit margin: 25% (up from 23% in 2Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.
Upcoming Dividend • May 24Upcoming dividend of US$0.31 per shareEligible shareholders must have bought the stock before 31 May 2022. Payment date: 17 June 2022. Payout ratio is a comfortable 32% and this is well supported by cash flows. Trailing yield: 3.6%. Lower than top quartile of American dividend payers (4.0%). Higher than average of industry peers (2.9%).
공시 • May 19Emclaire Financial Corp Announces Quarterly Dividend, Payable on June 17, 2022The Board of Directors of Emclaire Financial Corp. declared a quarterly cash dividend on May 18, 2022 of $0.31 per common share payable on June 17, 2022, to shareholders of record on June 1, 2022.
Reported Earnings • May 03First quarter 2022 earnings released: EPS: US$0.89 (vs US$0.80 in 1Q 2021)First quarter 2022 results: EPS: US$0.89 (up from US$0.80 in 1Q 2021). Revenue: US$8.83m (up 4.7% from 1Q 2021). Net income: US$2.44m (up 12% from 1Q 2021). Profit margin: 28% (up from 26% in 1Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has only increased by 5% per year, which means it is significantly lagging earnings growth.
Board Change • Apr 27Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 6 experienced directors. 5 highly experienced directors. Independent Director Steve Hunter was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Mar 19Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$3.66 (up from US$2.42 in FY 2020). Revenue: US$35.0m (up 16% from FY 2020). Net income: US$9.98m (up 52% from FY 2020). Profit margin: 28% (up from 22% in FY 2020). The increase in margin was driven by higher revenue. Net interest margin (NIM): 3.15% (down from 3.16% in FY 2020). Non-performing loans: 0.42% (down from 0.51% in FY 2020). Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has fallen by 7% per year, which means it is significantly lagging earnings.
Upcoming Dividend • Feb 22Upcoming dividend of US$0.31 per shareEligible shareholders must have bought the stock before 28 February 2022. Payment date: 18 March 2022. Payout ratio is a comfortable 33% but the company is not cash flow positive. Trailing yield: 4.2%. Within top quartile of American dividend payers (3.6%). Higher than average of industry peers (2.3%).
분석 기사 • Feb 21Emclaire Financial (NASDAQ:EMCF) Has Announced That It Will Be Increasing Its Dividend To US$0.31The board of Emclaire Financial Corp ( NASDAQ:EMCF ) has announced that it will be increasing its dividend by 3.3% on...
공시 • Feb 17Emclaire Financial Corp Declares Quarterly Cash Dividend, Payable on March 18, 2022The Board of Directors of Emclaire Financial Corp. declared a quarterly cash dividend on February 16, 2022 of $0.31 per common share payable on March 18, 2022, to shareholders of record on March 1, 2022. The $0.31 per share quarterly dividend represents a 3.3% increase from the $0.30 per common share dividend declared and paid each quarter during 2021.
Reported Earnings • Jan 31Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: US$3.66 (up from US$2.42 in FY 2020). Revenue: US$35.0m (up 16% from FY 2020). Net income: US$9.98m (up 52% from FY 2020). Profit margin: 28% (up from 22% in FY 2020). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.
Upcoming Dividend • Nov 23Upcoming dividend of US$0.30 per shareEligible shareholders must have bought the stock before 30 November 2021. Payment date: 17 December 2021. Trailing yield: 4.1%. Within top quartile of American dividend payers (3.5%). Higher than average of industry peers (2.3%).
분석 기사 • Nov 21Emclaire Financial (NASDAQ:EMCF) Is Due To Pay A Dividend Of US$0.30The board of Emclaire Financial Corp ( NASDAQ:EMCF ) has announced that it will pay a dividend on the 17th of December...
Board Change • Nov 02Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 6 experienced directors. 5 highly experienced directors. Independent Director Steve Hunter was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Oct 23Third quarter 2021 earnings released: EPS US$1.24 (vs US$0.66 in 3Q 2020)The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$9.86m (up 29% from 3Q 2020). Net income: US$3.38m (up 88% from 3Q 2020). Profit margin: 34% (up from 24% in 3Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
Upcoming Dividend • Aug 24Upcoming dividend of US$0.30 per shareEligible shareholders must have bought the stock before 31 August 2021. Payment date: 17 September 2021. Trailing yield: 4.3%. Within top quartile of American dividend payers (3.6%). Higher than average of industry peers (2.4%).
분석 기사 • Aug 22Emclaire Financial (NASDAQ:EMCF) Is Due To Pay A Dividend Of US$0.30Emclaire Financial Corp ( NASDAQ:EMCF ) has announced that it will pay a dividend of US$0.30 per share on the 17th of...
Reported Earnings • Jul 24Second quarter 2021 earnings released: EPS US$0.68 (vs US$0.44 in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$8.05m (up 12% from 2Q 2020). Net income: US$1.84m (up 53% from 2Q 2020). Profit margin: 23% (up from 17% in 2Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 11% per year but the company’s share price has fallen by 8% per year, which means it is significantly lagging earnings.
공시 • May 21Emclaire Financial Corp Declares Quarterly Dividend, Payable on June 18, 2021The Board of Directors of Emclaire Financial Corp. declared a quarterly cash dividend on May 19, 2021 of $0.30 per common share payable on June 18, 2021, to shareholders of record on June 1, 2021. This quarterly dividend reflects an annualized dividend yield of 4.3% based on the stock’s closing price of $28.00 per share on May 18, 2021.
Recent Insider Transactions • May 06Independent Director recently bought US$594k worth of stockOn the 4th of May, Nicholas Varischetti bought around 22k shares on-market at roughly US$27.30 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$1.0m more in shares than they have sold in the last 12 months.
Reported Earnings • Apr 26First quarter 2021 earnings released: EPS US$0.80 (vs US$0.44 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: US$8.43m (up 22% from 1Q 2020). Net income: US$2.17m (up 83% from 1Q 2020). Profit margin: 26% (up from 17% in 1Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 9% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.
분석 기사 • Apr 14You Have To Love Emclaire Financial Corp's (NASDAQ:EMCF) DividendIs Emclaire Financial Corp ( NASDAQ:EMCF ) a good dividend stock? How can we tell? Dividend paying companies with...
Reported Earnings • Mar 20Full year 2020 earnings releasedThe company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2020 results: Revenue: US$30.2m (down 4.8% from FY 2019). Net income: US$6.56m (down 16% from FY 2019). Profit margin: 22% (down from 25% in FY 2019). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 3.16% (down from 3.35% in FY 2019). Non-performing loans: 0.51% (up from 0.41% in FY 2019). Over the last 3 years on average, earnings per share has increased by 7% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
분석 기사 • Feb 21Should You Buy Emclaire Financial Corp (NASDAQ:EMCF) For Its Upcoming Dividend?Regular readers will know that we love our dividends at Simply Wall St, which is why it's exciting to see Emclaire...
Reported Earnings • Jan 30Full year 2020 earnings released: EPS US$2.42 (vs US$2.88 in FY 2019)The company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2020 results: Revenue: US$30.2m (down 4.8% from FY 2019). Net income: US$6.56m (down 16% from FY 2019). Profit margin: 22% (down from 25% in FY 2019). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 7% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
공시 • Jan 30Emclaire Financial Corp, Annual General Meeting, Apr 21, 2021Emclaire Financial Corp, Annual General Meeting, Apr 21, 2021, at 09:00 US Eastern Standard Time.
분석 기사 • Dec 30How Much Is Emclaire Financial Corp (NASDAQ:EMCF) CEO Getting Paid?This article will reflect on the compensation paid to Bill Marsh who has served as CEO of Emclaire Financial Corp...
공시 • Dec 20Emclaire Financial Corp Appoints Steven J. Hunter to the Board of Directors, Effective on January 1, 2021As previously reported, on December 16, 2020, the Board of Directors of Emclaire Financial Corp. appointed Steven J. Hunter to the Board of Directors of the company, effective on January 1, 2021. However, under the Bylaws of the company, Steven Hunter will fill a vacancy on the Board and serve an initial term as director until the company’s annual meeting of shareholders to be held in April 2023.
Is New 90 Day High Low • Dec 17New 90-day high: US$28.49The company is up 6.0% from its price of US$27.00 on 18 September 2020. The American market is up 13% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 24% over the same period.
Valuation Update With 7 Day Price Move • Dec 17Investor sentiment improved over the past weekAfter last week's 16% share price gain to US$28.49, the stock is trading at a trailing P/E ratio of 13.6x, up from the previous P/E ratio of 11.7x. This compares to an average P/E of 12x in the Banks industry in the US. Total returns to shareholders over the past three years are 2.8%.
분석 기사 • Nov 25Don't Buy Emclaire Financial Corp (NASDAQ:EMCF) For Its Next Dividend Without Doing These ChecksReaders hoping to buy Emclaire Financial Corp (NASDAQ:EMCF) for its dividend will need to make their move shortly, as...
Upcoming Dividend • Nov 24Upcoming Dividend of US$0.30 Per ShareWill be paid on the 18th of December to those who are registered shareholders by the 30th of November. The trailing yield of 4.8% is in the top quartile of American dividend payers (4.2%), and it is higher than industry peers (3.1%).
Reported Earnings • Oct 25Third quarter earnings releasedOver the last 12 months the company has reported total profits of US$5.66m, down 13% from the prior year. Total revenue was US$29.1m over the last 12 months, down 11% from the prior year.
Is New 90 Day High Low • Sep 19New 90-day high: US$27.00The company is up 3.0% from its price of US$26.10 on 19 June 2020. The American market is up 9.0% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Banks industry, which is down 3.0% over the same period.