How to buy Emclaire Financial stock - 02 March

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How to buy Emclaire Financial stock

Own Emclaire Financial stock in just a few minutes.

Fact checked

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.

How to buy shares in Emclaire Financial

  1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
  2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
  3. Search for Emclaire Financial. Find the stock by name or ticker symbol: EMCF. Research its history to confirm it's a solid investment against your financial goals.
  4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until Emclaire Financial reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
  5. Decide on how many to buy. Weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of Emclaire Financial, depending on your broker.
  6. Check in on your investment. Congratulations, you own a part of Emclaire Financial. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

Emclaire Financial share price

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

Emclaire Financial shares at a glance

Information last updated 2021-02-23.
52-week rangeUSD$17.7747 - USD$31.9999
50-day moving average USD$28.2844
200-day moving average USD$25.643
Wall St. target priceN/A
PE ratio 11.1369
Dividend yield USD$1.2 (4.59%)
Earnings per share (TTM) USD$2.41

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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.

Is Emclaire Financial under- or over-valued?

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 11x. In other words, Emclaire Financial shares trade at around 11x 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 USD$30.2 million
Operating margin TTM 27.88%
Gross profit TTM USD$30.2 million
Return on assets TTM 0.69%
Return on equity TTM 7.61%
Profit margin 22.34%
Book value $33.617
Market capitalisation USD$73 million

TTM: trailing 12 months

Shorting Emclaire Financial shares

There are currently 6,229 Emclaire Financial shares held short by investors – that's known as Emclaire Financial's "short interest". This figure is 0.3% up from 6,213 last month.

There are a few different ways that this level of interest in shorting Emclaire Financial shares can be evaluated.

Emclaire Financial's "short interest ratio" (SIR)

Emclaire Financial's "short interest ratio" (SIR) is the quantity of Emclaire Financial shares currently shorted divided by the average quantity of Emclaire Financial shares traded daily (recently around 1006.3004846527). Emclaire Financial's SIR currently stands at 6.19. In other words for every 100,000 Emclaire Financial shares traded daily on the market, roughly 6190 shares are currently held short.

However Emclaire Financial's short interest can also be evaluated against the total number of Emclaire Financial shares, or, against the total number of tradable Emclaire Financial shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Emclaire Financial's short interest could be expressed as 0% of the outstanding shares (for every 100,000 Emclaire Financial shares in existence, roughly 0 shares are currently held short) or 0.0028% of the tradable shares (for every 100,000 tradable Emclaire Financial shares, roughly 3 shares are currently held short).

A SIR below 10% would generally be considered to indicate a fairly optimistic outlook for the share price, with fewer people currently willing to bet against Emclaire Financial.

Find out more about how you can short Emclaire Financial stock.

Emclaire Financial share dividends


Dividend payout ratio: 60.91% of net profits

Recently Emclaire Financial has paid out, on average, around 60.91% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 4.5% 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 4.5% return on their shares, in the form of dividend payments. In Emclaire Financial's case, that would currently equate to about $1.2 per share.

Emclaire Financial's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.

Emclaire Financial's most recent dividend payout was on 19 March 2021. The latest dividend was paid out to all shareholders who bought their shares by 26 February 2021 (the "ex-dividend date").

Have Emclaire Financial's shares ever split?

Emclaire Financial's shares were split on 26 November 1997.

Emclaire Financial share price volatility

Over the last 12 months, Emclaire Financial's shares have ranged in value from as little as $17.7747 up to $31.9999. A popular way to gauge a stock's volatility is its "beta".

EMCF.US volatility(beta: 0.5)Avg. volatility(beta: 1.00)LowHigh

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 0.5005. 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; time deposits; noninterest bearing and interest bearing demand deposit accounts; and money market accounts. Its loan portfolio comprises one-to-four family mortgage loans, residential and commercial mortgage loans, home equity loans, and commercial business and commercial real estate loans; and consumer loans, such as loans for automobile purchases, home improvements not secured by real estate, capital, and other personal expenditures, as well as unsecured revolving personal lines of credit and overdraft protection. The company operates a network of 20 retail branch offices in Venango, Allegheny, Butler, Clarion, Clearfield, Crawford, Elk, Jefferson, and Mercer counties, Pennsylvania, as well as in Hancock County, West Virginia. The company was founded in 1900 and is headquartered in Emlenton, Pennsylvania.

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