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How to buy Emclaire Financial stock

Learn how to easily invest in Emclaire Financial stock.

Emclaire Financial Corp is a banks-regional business based in the US. Emclaire Financial shares (EMCF) are listed on the NASDAQ and all prices are listed in US Dollars. Emclaire Financial employs 148 staff and has a trailing 12-month revenue of around $36 million.

How to buy shares in Emclaire Financial

  1. Compare share trading platforms. Use our comparison table to help you find a platform that fits you.
  2. Open your brokerage account. Complete an application with your details.
  3. Confirm your payment details. Fund your account.
  4. Research the stock. Find the stock by name or ticker symbol – EMCF – and research it before deciding if it's a good investment for you.
  5. Purchase now or later. Buy your desired number of shares with a market order or use a limit order to delay your purchase until the stock reaches a desired price.
  6. Check in on your investment. Optimize your portfolio by tracking your stock.
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Emclaire Financial stock price (NASDAQ: EMCF)

Use our graph to track the performance of EMCF stocks over time.

Emclaire Financial shares at a glance

Information last updated 2022-09-19.
Latest market close$38.32
52-week range$24.78 - $37.81
50-day moving average $33.08
200-day moving average $32.29
Wall St. target priceN/A
PE ratio 9.555
Dividend yield $1.22 (3.4%)
Earnings per share (TTM) $3.82

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy Emclaire Financial stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Emclaire Financial price performance over time

Historical closes compared with the close of $38.32 from 2022-09-23

1 week (2022-09-19) 12.11%
1 month (2022-08-26) 16.20%
3 months (2022-06-24) 12.64%
6 months (2022-03-25) 0.60%
1 year (2021-09-24) 45.04%
2 years (2020-09-25) 45.15%
3 years (2019-09-26) 18.31%
5 years (2017-09-26) 36.37%

Is Emclaire Financial stock undervalued or overvalued?

Valuing Emclaire Financial stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Emclaire Financial's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Emclaire Financial's P/E ratio

Emclaire Financial's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 10x. In other words, Emclaire Financial shares trade at around 10x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Emclaire Financial financials

Revenue TTM $36 million
Operating margin TTM 39.31%
Gross profit TTM $35 million
Return on assets TTM 1%
Return on equity TTM 12.38%
Profit margin 29.82%
Book value $27.78
Market capitalisation $99.8 million

TTM: trailing 12 months

Emclaire Financial share dividends


Dividend payout ratio: 32.2% of net profits

Recently Emclaire Financial has paid out, on average, around 32.2% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 3.4% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Emclaire Financial shareholders could enjoy a 3.4% return on their shares, in the form of dividend payments. In Emclaire Financial's case, that would currently equate to about $1.22 per share.

While Emclaire Financial's payout ratio might seem fairly standard, it's worth remembering that Emclaire Financial may be investing much of the rest of its net profits in future growth.

Emclaire Financial's most recent dividend payout was on 22 September 2022. The latest dividend was paid out to all shareholders who bought their shares by 30 August 2022 (the "ex-dividend date").

Have Emclaire Financial's shares ever split?

Emclaire Financial's shares were split on a 4:1 basis on 19 June 1996. So if you had owned 1 share the day before before the split, the next day you'd have owned 4 shares. This wouldn't directly have changed the overall worth of your Emclaire Financial shares – just the quantity. However, indirectly, the new 75% lower share price could have impacted the market appetite for Emclaire Financial shares which in turn could have impacted Emclaire Financial's share price.

Emclaire Financial share price volatility

Over the last 12 months, Emclaire Financial's shares have ranged in value from as little as $24.7781 up to $37.8104. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Emclaire Financial's is 0.4291. This would suggest that Emclaire Financial's shares are less volatile than average (for this exchange).

Emclaire Financial overview

Emclaire Financial Corp operates as the bank holding company for The Farmers National Bank of Emlenton that provides retail and commercial financial products and services to individuals and businesses in western Pennsylvania. The company's deposit products include checking, savings, and term certificate accounts; savings and time deposits; non-interest bearing and interest-bearing demand deposit accounts; and money market accounts. Its loan portfolio comprises one-to-four family mortgage loans, home equity loans, commercial business and commercial real estate loans, consumer loans, and loans to one borrower. The company operates a network of 19 retail branch offices in Venango, Allegheny, Butler, Clarion, Clearfield, Crawford, Elk, Jefferson, and Mercer counties, and Pennsylvania. The company was founded in 1900 and is headquartered in Emlenton, Pennsylvania. .

Frequently asked questions

What percentage of Emclaire Financial is owned by insiders or institutions?
Currently 20.684% of Emclaire Financial shares are held by insiders and 17.026% by institutions.
How many people work for Emclaire Financial?
Latest data suggests 148 work at Emclaire Financial.
When does the fiscal year end for Emclaire Financial?
Emclaire Financial's fiscal year ends in December.
Where is Emclaire Financial based?
Emclaire Financial's address is: 612 Main Street, Emlenton, PA, United States, 16373
What is Emclaire Financial's ISIN number?
Emclaire Financial's international securities identification number is: US2908281023
What is Emclaire Financial's CUSIP number?
Emclaire Financial's Committee on Uniform Securities Identification Procedures number is: 290828102

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