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Emclaire Financial (Emclaire Financial) Net Income : $10.40 Mil (TTM As of Sep. 2022)


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What is Emclaire Financial Net Income?

Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax. Emclaire Financial's Net Income for the three months ended in Sep. 2022 was $3.04 Mil. Its Net Income for the trailing twelve months (TTM) ended in Sep. 2022 was $10.40 Mil.

Net Income is linked to the most popular Earnings per Share (Diluted) number. Emclaire Financial's Earnings per Share (Diluted) for the three months ended in Sep. 2022 was $1.09.


Emclaire Financial Net Income Historical Data

The historical data trend for Emclaire Financial's Net Income 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.

* Premium members only.

Emclaire Financial Net Income Chart

Emclaire Financial Annual Data
Trend Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21
Net Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.28 4.21 7.95 6.75 10.17

Emclaire Financial Quarterly Data
Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22
Net Income Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.38 2.69 2.44 2.24 3.04

Emclaire Financial Net Income Calculation

Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax.

Net Income
= Revenue - Cost of Goods Sold - Selling, General, & Admin. Expense - Research & Development - Depreciation, Depletion and Amortization - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= EBITDA - Depreciation, Depletion and Amortization - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= Operating Income - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= Pre-Tax Income - Tax Expense + Others

Emclaire Financial's Net Income for the fiscal year that ended in Dec. 2021 is calculated as

Net Income(A: Dec. 2021 )
= Pre-Tax Income + Tax Provision + Net Income (Discontinued Operations) + Others
=12.385+-2.214+0+0
=10.17

Emclaire Financial's Net Income for the quarter that ended in Sep. 2022 is calculated as

Net Income(Q: Sep. 2022 )
= Pre-Tax Income + Tax Provision + Net Income (Discontinued Operations) + Others
=3.697+-0.657+0+0
=3.04

Net Income 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 $10.40 Mil.

* 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.


Emclaire Financial  (NAS:EMCF) Net Income Explanation

Net Income is the most widely cited number in reporting a company's profitability. It is linked to the most popular earnings-per-share (EPS) number through:

Emclaire Financial's Earnings per Share (Diluted) (EPS) for the quarter that ended in Sep. 2022 is calculated as

* 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.

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

EPS is most useful for companies that have:

A predictable business
Consistent accounting methods
And few restructurings

The dividend paid to preferred stocks needs to be subtracted from the total net income in the calculation of EPS because common stock holders are not entitled to that part of the net income.


Be Aware

Warren Buffett looks for consistency and upward long term trend. Because of share repurchase it is possible for net earnings trend to differ from EPS trend. He preferred Net Income over EPS. The companies with durable competitive advantage companies report higher % net earnings to total revenues.

Important: If a company is showing net earnings history greater than 20% on total revenues, it is probably benefiting from a long term competitive advantage.

If net earnings is less than 10%, likely to be in a highly competitive business.


Emclaire Financial Net Income Related Terms

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Emclaire Financial (Emclaire Financial) Business Description

Traded in Other Exchanges
N/A
Address
612 Main Street, P.O. Box D, Emlenton, PA, USA, 16373
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