Emclaire Financial (Emclaire Financial) Change In Receivables : $0.65 Mil (TTM As of Sep. 2022)

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What is Emclaire Financial Change In Receivables?

Emclaire Financial's change in receivables for the quarter that ended in Sep. 2022 was $-0.13 Mil. It means Emclaire Financial's Accounts Receivable increased by $0.13 Mil from Jun. 2022 to Sep. 2022 .

Emclaire Financial's change in receivables for the fiscal year that ended in Dec. 2021 was $0.06 Mil. It means Emclaire Financial's Accounts Receivable declined by $0.06 Mil from Dec. 2020 to Dec. 2021 .

Emclaire Financial's Accounts Receivable for the quarter that ended in Sep. 2022 was $3.70 Mil.

Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed. Emclaire Financial's Days Sales Outstanding for the three months ended in Sep. 2022 was 35.73.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. Emclaire Financial's liquidation value for the three months ended in Sep. 2022 was $-812.48 Mil.

Emclaire Financial Change In Receivables Historical Data

The historical data trend for Emclaire Financial's Change In Receivables can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Emclaire Financial Change In Receivables Chart

Emclaire Financial Annual Data

Trend

Dec12

Dec13

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Change In Receivables

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-0.30

-0.07

-0.03

-1.19

0.06

Emclaire Financial Quarterly Data
	Dec17	Mar18	Jun18	Sep18	Dec18	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22
Change In Receivables	Get a 7-Day Free Trial															-0.20	0.61	-0.24	0.41	-0.13

Emclaire Financial Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

Change In Receivables for the trailing twelve months (TTM) ended in Sep. 2022 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.65 Mil.

Emclaire Financial (NAS:EMCF) Change In Receivables Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.

Emclaire Financial's Days Sales Outstanding for the quarter that ended in Sep. 2022 is calculated as:

	Days Sales Outstanding
=	Accounts Receivable	/	Revenue	*	Days in Period
=	3.697	/	9.442	*	91
=	35.73

2. In Ben Graham's calculation of liquidation value, Emclaire Financial's accounts receivable are only considered to be worth 75% of book value:

Emclaire Financial's liquidation value for the quarter that ended in Sep. 2022 is calculated as:

	Liquidation Value
=	Cash, Cash Equivalents, Marketable Securities	-	Total Liabilities	+	(0.75 * Accounts Receivable)	+	(0.5 * Total Inventories)
=	146.361	-	961.609	+	0.75 * 3.697	+	0.5 * 0
=	-812.48

Emclaire Financial Change In Receivables Related Terms

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Emclaire Financial (Emclaire Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Emclaire Financial Corp (NAS:EMCF) » Definitions » Change In Receivables

Comparable Companies

Traded in Other Exchanges

N/A

Address

612 Main Street, P.O. Box D, Emlenton, PA, USA, 16373

Website

https://www.emclairefinancial.com

Emclaire Financial Corp is a financial holding company that provides a variety of financial services to individuals and businesses through its offices in Western Pennsylvania. The bank's principal business consists of attracting deposits from the general public and investing such funds in real estate loans secured by liens on the residential and commercial property, consumer loans, commercial business loans, marketable securities, and interest-earning deposits. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential and commercial mortgages, commercial business loans, and consumer loans.

Executives

Amanda L Engles	officer: Secretary	522 MEADOW ROAD, SENECA PA 16346
Eric John Gantz	officer: SVP/CCO-Farmers National Bank	3552 PANIN ROAD, HERMITAGE PA 16148
Mark A Freemer	director	25 BROWN STREET, DUBOIS PA 15801
William C Marsh	director, officer: Chief Financial Officer/Treas.	414 WEALDSTONE ROAD, CRANBERRY TWP PA 16066
Steven Joseph Hunter	director	2929 NORMANDY DRIVE NW, ATLANTA GA 30305
Milissa S Bauer	director	633 MAYFIELD ROAD, P O BOX 765, CLARION PA 16214
Nicholas D Varischetti	director	FOUR NORTHSHORE CENTER, 106 ISABELLA STREET, PITTSBURGH PA 15212
Robert W Freeman	director	1306 BEACONFIELD LANE, LANCASTER PA 17601
Jennifer A Roxbury	officer: Secretary	100 7TH ST., APT. 1401, PITTSBURGH PA 15222
Deanna K Mccarrier	director	104 DOGWOOD COURT, BUTLER PA 16001
Deible Henry H Ii	director	3539 STEVENSON HILL ROAD, FALLS CREEK PA 15840
Henry H Deible	director	200 LEWIS STREET, REYNOLDSVILLE PA 15851
Robert A Vernick	officer: SVP/CLO-Farmers National Bank	138 WILLOW RUN DRIVE, BUTLER PA 16001
James M Crooks	director	321 WOOD STREET, CLARION PA 16214
Matthew J Lucco	officer: Treasurer	105 VISTA DRIVE, SLIPPERY ROCK PA 16057