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Emclaire Financial (Emclaire Financial) Asset Turnover : 0.01 (As of Sep. 2022)


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What is Emclaire Financial Asset Turnover?

Asset Turnover measures how quickly a company turns over its asset through sales. It is calculated as Revenue divided by Total Assets. Emclaire Financial's Revenue for the three months ended in Sep. 2022 was $9.44 Mil. Emclaire Financial's Total Assets for the quarter that ended in Sep. 2022 was $1,041.16 Mil. Therefore, Emclaire Financial's Asset Turnover for the quarter that ended in Sep. 2022 was 0.01.

Asset Turnover is linked to ROE % through Du Pont Formula. Emclaire Financial's annualized ROE % for the quarter that ended in Sep. 2022 was 16.09%. It is also linked to ROA % through Du Pont Formula. Emclaire Financial's annualized ROA % for the quarter that ended in Sep. 2022 was 1.17%.


Emclaire Financial Asset Turnover Historical Data

The historical data trend for Emclaire Financial's Asset Turnover 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 Asset Turnover Chart

Emclaire Financial Annual Data
Trend Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21
Asset Turnover
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.03 0.04 0.04 0.03 0.03

Emclaire Financial Quarterly Data
Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22
Asset Turnover 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 0.01 0.01 0.01 0.01 0.01

Competitive Comparison of Emclaire Financial's Asset Turnover

For the Banks - Regional subindustry, Emclaire Financial's Asset Turnover, along with its competitors' market caps and Asset Turnover 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 Asset Turnover Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Emclaire Financial's Asset Turnover distribution charts can be found below:

* The bar in red indicates where Emclaire Financial's Asset Turnover falls into.



Emclaire Financial Asset Turnover Calculation

Asset Turnover measures how quickly a company turns over its asset through sales.

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

Asset Turnover
=Revenue/Average Total Assets
=Revenue (A: Dec. 2021 )/( (Total Assets (A: Dec. 2020 )+Total Assets (A: Dec. 2021 ))/ count )
=34.882/( (1032.323+1059.508)/ 2 )
=34.882/1045.9155
=0.03

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

Asset Turnover
=Revenue/Average Total Assets
=Revenue (Q: Sep. 2022 )/( (Total Assets (Q: Jun. 2022 )+Total Assets (Q: Sep. 2022 ))/ count )
=9.442/( (1049.744+1032.584)/ 2 )
=9.442/1041.164
=0.01

* 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.

Companies with low profit margins tend to have high Asset Turnover, while those with high profit margins have low Asset Turnover. Companies in the retail industry tend to have a very high turnover ratio.


Emclaire Financial  (NAS:EMCF) Asset Turnover Explanation

Asset Turnover is linked to ROE % through Du Pont Formula.

Emclaire Financial's annulized ROE % for the quarter that ended in Sep. 2022 is

ROE %**(Q: Sep. 2022 )
=Net Income/Total Stockholders Equity
=12.16/75.5885
=(Net Income / Revenue)*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(12.16 / 37.768)*(37.768 / 1041.164)*(1041.164/ 75.5885)
=Net Margin %*Asset Turnover*Equity Multiplier
=32.2 %*0.0363*13.7741
=ROA %*Equity Multiplier
=1.17 %*13.7741
=16.09 %

Note: The Net Income data used here is four times the quarterly (Sep. 2022) net income data. The Revenue data used here is four times the quarterly (Sep. 2022) revenue data.

* 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.

** The ROE % used above is for Du Pont Analysis only. It is different from the defined ROE % page on our website, as here it uses Net Income instead of Net Income attributable to Common Stockholders in the calculation.

It is also linked to ROA % through Du Pont Formula:

Emclaire Financial's annulized ROA % for the quarter that ended in Sep. 2022 is

ROA %(Q: Sep. 2022 )
=Net Income/Total Assets
=12.16/1041.164
=(Net Income / Revenue)*(Revenue / Total Assets)
=(12.16 / 37.768)*(37.768 / 1041.164)
=Net Margin %*Asset Turnover
=32.2 %*0.0363
=1.17 %

Note: The Net Income data used here is four times the quarterly (Sep. 2022) net income data. The Revenue data used here is four times the quarterly (Sep. 2022) revenue data.

* 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.


Be Aware

In the article Joining The Dark Side: Pirates, Spies and Short Sellers, James Montier reported that In their US sample covering the period 1968-2003, Cooper et al find that firms with low asset growth outperformed firms with high asset growth by an astounding 20% p.a. equally weighted. Even when controlling for market, size and style, low asset growth firms outperformed high asset growth firms by 13% p.a. Therefore a company with fast asset growth may underperform.

Therefore, it is a good sign if a company's Asset Turnover is consistent or even increases. If a company's asset grows faster than sales, its Asset Turnover will decline, which can be a warning sign.


Emclaire Financial Asset Turnover Related Terms

Thank you for viewing the detailed overview of Emclaire Financial's Asset Turnover provided by GuruFocus.com. Please click on the following links to see related term pages.


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