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Emclaire Financial Corp (EMCF)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
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Emclaire Financial Corp Financial Ratios 2021-2009 | EMCF
Brief overview of Emclaire Financial Corp's financial ratios
The review covers five available annual periods spanning 2017 to 2021.
The current valuation set is P/E 7.49x (median 10.37x), P/B 0.79x (median 0.84x), P/CF 4.12x (median 7.34x). Multiples are on average 27.8% below their own medians. Shares look cheaper than their recent historical valuation.
Earnings yield calculated as 1/P/E is about 13.3%, showing current profit per unit of share price.
Current measures of operating quality are ROE 10.5%, ROA 1%. Profitability remains positive and sufficient for normal operations without indicating exceptional efficiency.
High leverage is part of the financial-sector model, so valuation should be linked to capital, asset quality and ROE.
Overall picture
Emclaire Financial Corp combines strong fundamental efficiency with valuation below its own five-year norm. The discount merits attention but should be checked against sector and financial risks.
Annual Financial Ratios Emclaire Financial Corp
| 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 7.5 | 10.4 | 9.4 | 15.9 | 14.7 | 12.3 | 8.9 | 9.2 | 8491.4 | 9.0 | 5.1 | - | - | |
P/S |
24.4 | 23.4 | 20.7 | 19.8 | 21.7 | 2.2 | 1.8 | 1.8 | 1700.5 | 1.7 | 1.0 | - | - |
EPS |
3.7 | 2.4 | 2.9 | 1.7 | 1.9 | 1.9 | 2.1 | 2.2 | 1.9 | 1.8 | 2.0 | 1.9 | - |
EV (Enterprise Value) |
1.03 B | 973 M | 889 M | 875 M | 744 M | 670 M | 573 M | 559 M | 32.8 B | 470 M | 432 M | 424 M | -39 M |
EBITDA per Share |
0.5 | 0.52 | 0.51 | 0.49 | 0.53 | 0.53 | 0.52 | 0.49 | - | 0.39 | 0.48 | 0.39 | - |
EV/EBITDA |
756.6 | 692.3 | 640.4 | 746.5 | 639.3 | 590.9 | 551.8 | 641.6 | 48447.8 | 694.0 | 542.0 | 751.3 | - |
PEG |
-7.0 | 123.99 | 10.22 | -1.58 | 3.38 | -1.47 | -1.68 | 0.75 | 1.78 | -1.11 | -1.0 | - | - |
P/B |
0.8 | 0.8 | 0.9 | 0.8 | 1.1 | 0.9 | 0.7 | 0.8 | 717.4 | 0.6 | 0.4 | - | - |
P/CF |
4.1 | 7.3 | 7.1 | 10.1 | 7.6 | 8.7 | 10.9 | 25.5 | 15.5 | 14.2 | 3.0 | - | - |
ROE % |
10.49 | 7.38 | 9.26 | 5.28 | 7.24 | 7.37 | 7.86 | 8.37 | 8.45 | 7.06 | 7.56 | 7.85 | - |
ROA % |
0.96 | 0.65 | 0.87 | 0.47 | 0.57 | 0.58 | 0.69 | 0.69 | 0.72 | 0.72 | 0.78 | 0.64 | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | - |
DSO |
439.1 | 389.1 | 261.9 | 258.8 | 254.0 | 27.1 | 26.4 | 26.7 | 28.8 | 29.2 | 32.2 | - | - |
Operating Cycle |
439.1 | 389.1 | 261.9 | 258.8 | 254.0 | 27.1 | 26.4 | 26.7 | 28.8 | 29.1 | 32.2 | - | - |
Cash Conversion Cycle |
439.1 | 389.1 | 261.9 | 258.8 | 254.0 | 27.1 | 26.4 | 26.7 | 28.8 | 29.1 | 32.2 | - | - |
Annual performance
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All numbers in USD currency
Quarterly Financial Ratios Emclaire Financial Corp
| 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
- | 1.1 | 0.78 | 0.89 | - | 1.24 | 0.68 | 0.8 | - | 0.66 | 0.44 | 0.44 | - | 0.8 | 0.76 | 0.77 | - | 0.51 | 0.62 | 0.6 | - | 0.77 | 0.48 | 0.44 | - | 0.49 | 0.43 | 0.37 | - | 0.7 | 0.48 | 0.42 | - | 0.56 | 0.48 | 0.46 | - | 0.55 | 0.46 | 0.42 | - | 0.31 | 0.65 | 0.52 | - | 0.49 | 0.43 | 0.47 |
EBITDA per Share |
- | 0.36 | 0.24 | 0.12 | - | 0.38 | 0.25 | 0.13 | - | 0.39 | 0.26 | 0.13 | - | 0.38 | 0.25 | 0.12 | - | 0.38 | 0.25 | 0.13 | - | 0.39 | 0.27 | 0.14 | - | 0.39 | 0.26 | 0.13 | - | 0.35 | 0.27 | 0.14 | - | 0.36 | 0.22 | 0.03 | - | - | 0.04 | 0.04 | - | 0.05 | 0.05 | 0.05 | - | 0.06 | 0.07 | 0.07 |
ROE % |
9.88 | 13.46 | 11.25 | 10.85 | 8.04 | 10.05 | 7.93 | 7.22 | 4.83 | 7.35 | 7.88 | 8.96 | 7.60 | 9.54 | 9.40 | 9.17 | 6.64 | 9.49 | 9.38 | 8.75 | 6.44 | 8.36 | 7.20 | 6.84 | 5.10 | 7.94 | 7.66 | 7.55 | 6.07 | 8.20 | 7.20 | 7.40 | 5.81 | 8.23 | 8.00 | 7.80 | 5.97 | 7.25 | 7.25 | 7.40 | 5.74 | 7.84 | 8.44 | 7.56 | 5.52 | 2.09 | 1.88 | 1.54 |
ROA % |
0.74 | 1.05 | 0.93 | 0.92 | 0.69 | 0.86 | 0.68 | 0.63 | 0.43 | 0.66 | 0.72 | 0.83 | 0.70 | 0.85 | 0.80 | 0.75 | 0.51 | 0.73 | 0.72 | 0.68 | 0.50 | 0.65 | 0.56 | 0.55 | 0.42 | 0.68 | 0.68 | 0.68 | 0.55 | 0.72 | 0.61 | 0.61 | 0.48 | 0.69 | 0.69 | 0.71 | 0.55 | 0.68 | 0.70 | 0.73 | 0.56 | 0.77 | 0.81 | 0.74 | 0.54 | 0.21 | 0.17 | 0.16 |
Current Ratio |
- | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
DSO |
- | - | - | - | - | - | - | - | - | 458.0 | 436.9 | 318.2 | - | 262.5 | 263.5 | 275.4 | - | 242.9 | 258.4 | 270.2 | - | 250.3 | 236.1 | 252.3 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Operating Cycle |
- | - | - | - | - | - | - | - | - | 451.6 | 524.2 | 372.1 | - | 259.6 | 261.6 | 268.4 | - | 274.3 | 296.1 | 290.4 | - | 273.8 | 278.3 | 271.3 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash Conversion Cycle |
- | - | - | - | - | - | - | - | - | 451.6 | 524.2 | 372.1 | - | 259.6 | 261.6 | 268.4 | - | 274.3 | 296.1 | 290.4 | - | 273.8 | 278.3 | 271.3 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Quarterly performance
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All numbers in USD currency
Multiples are an important financial analysis tool for the company Emclaire Financial Corp, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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