Emclaire Financial Corp (EMCF, Financial) files its latest 10-K with SEC for the fiscal year ended on December 31, 2017. Emclaire Financial Corp is a financial holding Company. It offers retail & commercial financial products & services to the customers in western Pennsylvania through its wholly owned subsidiary bank, the Farmers National Bank of Emlenton. Emclaire Financial Corp has a market cap of $74.950 million; its shares were traded at around $33.00 with a P/E ratio of 17.03 and P/S ratio of 2.77. The dividend yield of Emclaire Financial Corp stocks is 3.31%. Emclaire Financial Corp had annual average EBITDA growth of 3.00% over the past ten years.
For the last quarter Emclaire Financial Corp reported a revenue of $6.87 million, compared with the revenue of $6.02 million during the same period a year ago. For the latest fiscal year the company reported a revenue of $26.9 million, an increase of 16.4% from last year. For the last five years Emclaire Financial Corp had an average revenue growth rate of 5.3% a year.
The reported diluted earnings per share was $1.93 for the year, an increase of 4.3% from previous year. Over the last five years Emclaire Financial Corp had an EPS growth rate of 0.5% a year. The Emclaire Financial Corp enjoyed an operating margin of 23.73%, compared with the operating margin of 22.62% a year before. The 10-year historical median operating margin of Emclaire Financial Corp is 23.19%. The profitability rank of the company is 3 (out of 10).
At the end of the fiscal year, Emclaire Financial Corp has the cash and cash equivalents of $14.4 million, compared with $17.6 million in the previous year. The long term debt was $26.0 million, compared with $44.0 million in the previous year. The interest coverage to the debt is 1.4, which is not a favorable level. Emclaire Financial Corp has a financial strength rank of 4 (out of 10).
At the current stock price of $33.00, Emclaire Financial Corp is traded at 27.3% premium to its historical median P/S valuation band of $25.93. The P/S ratio of the stock is 2.77, while the historical median P/S ratio is 2.17. The stock gained 5.08% during the past 12 months.
For the complete 20-year historical financial data of EMCF, click here.
