Emclaire Financial (Emclaire Financial) GF Value Rank : 5 (As of May. 14, 2024)

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What is Emclaire Financial GF Value Rank?

Emclaire Financial has the GF Value Rank of 5.

The GF Value Rank is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Competitive Comparison of Emclaire Financial's GF Value Rank

For the Banks - Regional subindustry, Emclaire Financial's GF Value Rank, along with its competitors' market caps and GF Value Rank data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Emclaire Financial's GF Value Rank Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Emclaire Financial's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Emclaire Financial's GF Value Rank falls into.

Emclaire Financial GF Value Rank 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 » GF Value Rank

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