See more : Lionheart Holdings (CUBWW) Income Statement Analysis – Financial Results
Complete financial analysis of Emclaire Financial Corp (EMCF) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Emclaire Financial Corp, a leading company in the Banks – Regional industry within the Financial Services sector.
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Emclaire Financial Corp (EMCF)
About Emclaire Financial Corp
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.
| Metric | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 36.05M | 32.35M | 31.35M | 28.72M | 24.68M | 22.35M | 21.06M | 20.57M | 19.02M | 19.80M | 19.25M | 19.04M | 16.48M | 13.41M | 12.91M | 12.23M | 12.62M | 11.27M | 11.09M | 10.89M | 9.83M | 9.31M | 8.87M | 993.00K | 816.00K | 547.32K |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 36.05M | 32.35M | 31.35M | 28.72M | 24.68M | 22.35M | 21.06M | 20.57M | 19.02M | 19.80M | 19.25M | 19.04M | 16.48M | 13.41M | 12.91M | 12.23M | 12.62M | 11.27M | 11.09M | 10.89M | 9.83M | 9.31M | 8.87M | 993.00K | 816.00K | 547.32K |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 1.02M | 14.86M | 15.00M | 13.31M | 12.08M | 11.37M | 10.63M | 9.89M | 9.64M | 9.16M | 7.53M | 7.44M | 6.72M | 6.35M | 5.09M | 5.63M | 5.11M | 4.40M | 4.18M | 4.02M | 3.89M | 3.55M | 3.04M | 2.47M | 2.24M | 1.90M |
| Selling & Marketing | 0.00 | 240.00K | 264.00K | 292.00K | 287.00K | 291.00K | 244.00K | 261.00K | 188.00K | 196.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 1.02M | 15.10M | 15.26M | 13.60M | 12.37M | 11.66M | 10.87M | 10.15M | 9.83M | 9.36M | 7.53M | 7.44M | 6.72M | 6.35M | 5.09M | 5.63M | 5.11M | 4.40M | 4.18M | 4.02M | 3.89M | 3.55M | 3.04M | 2.47M | 2.24M | 1.90M |
| Other Expenses | 0.00 | -31.20M | -28.91M | -32.08M | -26.17M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 55.00K | 898.00K | -8.81M | -6.62M | -8.43M | -8.89M | -7.38M | -7.13M | -6.66M | -5.20M | -6.46M | -3.72M | 3.12M | 2.46M | 2.32M |
| Operating Expenses | 1.02M | -16.10M | -13.65M | -18.49M | -13.80M | 876.00K | 950.00K | 687.00K | 715.00K | 672.00K | 706.00K | 548.00K | 1.29M | -2.46M | -1.53M | -2.80M | -3.78M | -2.98M | -2.95M | -2.64M | -1.31M | -2.91M | -682.00K | 5.59M | 4.70M | 4.22M |
| Cost & Expenses | 1.02M | -16.10M | -13.65M | -18.49M | -13.80M | 876.00K | 950.00K | 687.00K | 715.00K | 672.00K | 706.00K | 548.00K | 1.29M | -2.46M | -1.53M | -2.80M | -3.78M | -2.98M | -2.95M | -2.64M | -1.31M | -2.91M | -682.00K | 5.59M | 4.70M | 4.22M |
| Interest Income | 36.58M | 37.15M | 36.15M | 30.96M | 26.40M | 23.43M | 20.58M | 20.26M | 19.60M | 20.76M | 21.22M | 21.53M | 19.94M | 19.09M | 17.86M | 16.26M | 14.88M | 13.95M | 14.21M | 14.65M | 14.59M | 14.40M | 13.65M | 11.34M | 9.52M | 8.10M |
| Interest Expense | 5.12M | 8.06M | 8.08M | 5.39M | 4.49M | 3.95M | 2.84M | 3.03M | 3.68M | 4.98M | 5.87M | 7.07M | 7.58M | 8.17M | 7.89M | 6.97M | 5.57M | 5.22M | 4.90M | 5.16M | 6.10M | 5.83M | 5.65M | 4.67M | 3.73M | 3.35M |
| Depreciation & Amortization | 1.54M | 1.80M | 1.77M | 1.49M | 1.46M | 1.38M | 1.24M | 1.09M | 947.00K | 1.03M | 1.26M | 1.50M | 1.08M | 754.00K | 687.00K | 895.00K | 986.00K | 798.00K | 772.00K | 842.00K | 725.00K | 959.00K | 1.06M | 935.00K | 796.00K | 584.47K |
| EBITDA | 19.05M | 18.05M | 19.47M | 11.72M | 12.34M | 10.56M | 9.37M | 9.18M | 9.35M | 10.59M | 11.91M | 12.44M | 10.26M | 11.71M | 12.07M | 10.32M | 9.83M | 9.09M | 8.91M | 9.09M | 9.25M | 7.36M | 9.24M | 7.52M | 6.31M | 5.35M |
| EBITDA Ratio | 52.85% | 55.80% | 62.11% | 40.82% | 50.00% | 47.23% | 44.46% | 44.63% | 49.15% | 53.49% | 61.88% | 65.30% | 62.25% | 87.29% | 93.44% | 84.43% | 77.88% | 80.64% | 80.36% | 83.49% | 94.04% | 79.08% | 104.21% | 757.00% | 773.65% | 978.20% |
| Operating Income | 17.51M | 16.25M | 17.70M | 10.23M | 10.88M | 9.18M | 8.13M | 8.09M | 8.40M | 9.56M | 10.66M | 10.94M | 9.18M | 10.95M | 11.38M | 9.43M | 8.84M | 8.29M | 8.14M | 8.25M | 8.52M | 6.40M | 8.18M | 6.58M | 5.52M | 4.77M |
| Operating Income Ratio | 48.57% | 50.22% | 56.47% | 35.62% | 44.10% | 41.06% | 38.60% | 39.34% | 44.17% | 48.30% | 55.36% | 57.44% | 55.70% | 81.67% | 88.12% | 77.10% | 70.07% | 73.56% | 73.40% | 75.76% | 86.66% | 68.78% | 92.31% | 662.84% | 676.10% | 871.41% |
| Total Other Income/Expenses | -22.65M | -8.06M | -8.08M | -42.36M | -4.49M | -16.24M | -14.82M | -14.82M | -13.58M | -14.54M | -13.76M | -14.63M | -13.59M | -9.07M | -7.89M | -6.97M | -5.57M | -5.22M | -4.90M | -5.16M | -6.10M | -5.83M | -5.65M | -4.67M | -3.73M | -3.35M |
| Income Before Tax | 12.39M | 8.18M | 9.62M | 4.84M | 6.39M | 5.23M | 5.30M | 5.07M | 4.72M | 4.59M | 4.78M | 3.87M | 1.60M | 1.88M | 3.49M | 2.46M | 3.27M | 3.07M | 3.24M | 3.09M | 2.42M | 571.00K | 2.54M | 1.91M | 1.79M | 1.42M |
| Income Before Tax Ratio | 34.36% | 25.30% | 30.68% | 16.87% | 25.89% | 23.41% | 25.14% | 24.63% | 24.83% | 23.17% | 24.85% | 20.32% | 9.69% | 14.02% | 27.04% | 20.11% | 25.91% | 27.24% | 29.22% | 28.38% | 24.65% | 6.13% | 28.61% | 192.65% | 219.36% | 258.88% |
| Income Tax Expense | 2.21M | 1.44M | 1.66M | 633.00K | 2.11M | 1.25M | 1.14M | 1.05M | 913.00K | 934.00K | 950.00K | 801.00K | 58.00K | 356.00K | 795.00K | 492.00K | 697.00K | 513.00K | 749.00K | 834.00K | 718.00K | 567.00K | 782.00K | 590.00K | 546.00K | 435.55K |
| Net Income | 10.17M | 6.75M | 7.95M | 4.21M | 4.28M | 3.99M | 4.15M | 4.02M | 3.81M | 3.65M | 3.83M | 3.07M | 1.54M | 2.43M | 2.70M | 1.97M | 2.57M | 2.56M | 2.49M | 2.26M | 1.71M | 4.00K | 1.75M | 1.32M | 1.24M | 981.32K |
| Net Income Ratio | 28.22% | 20.86% | 25.38% | 14.66% | 17.33% | 17.83% | 19.72% | 19.53% | 20.03% | 18.45% | 19.91% | 16.12% | 9.34% | 18.12% | 20.89% | 16.08% | 20.39% | 22.69% | 22.46% | 20.72% | 17.34% | 0.04% | 19.79% | 133.23% | 152.45% | 179.30% |
| EPS | 3.74 | 2.48 | 2.93 | 1.76 | 1.95 | 1.86 | 2.10 | 2.27 | 2.16 | 2.08 | 2.29 | 2.12 | 1.07 | 1.70 | 2.13 | 1.55 | 2.03 | 2.02 | 1.91 | 1.69 | 1.28 | 0.00 | 1.26 | 1.12 | 1.15 | 1.15 |
| EPS Diluted | 3.74 | 2.48 | 2.93 | 1.76 | 1.93 | 1.85 | 2.09 | 2.26 | 2.15 | 2.08 | 2.29 | 2.12 | 1.07 | 1.70 | 2.13 | 1.55 | 2.03 | 2.02 | 1.91 | 1.69 | 1.28 | 0.00 | 1.26 | 1.12 | 1.15 | 1.15 |
| Weighted Avg Shares Out | 2.72M | 2.72M | 2.72M | 2.40M | 2.19M | 2.14M | 1.98M | 1.77M | 1.76M | 1.76M | 1.68M | 1.44M | 1.43M | 1.43M | 1.27M | 1.27M | 1.27M | 1.27M | 1.30M | 1.33M | 1.33M | 1.35M | 1.39M | 1.19M | 1.08M | 852.40K |
| Weighted Avg Shares Out (Dil) | 2.72M | 2.72M | 2.72M | 2.40M | 2.22M | 2.15M | 1.99M | 1.78M | 1.77M | 1.76M | 1.68M | 1.45M | 1.43M | 1.43M | 1.27M | 1.27M | 1.27M | 1.27M | 1.30M | 1.33M | 1.33M | 1.35M | 1.39M | 1.19M | 1.08M | 852.40K |
INVESTIGATION NOTICE: Halper Sadeh LLP Investigates RFP, EMCF, PLD, FSI, MN
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SHAREHOLDER ALERT: Weiss Law Reminds HBP, EMCF, CCHWF, and MGI Shareholders About Its Ongoing Investigations
NEW YORK , April 5, 2022 /PRNewswire/ -- If you own shares in any of the companies listed above and would like to discuss our investigations or have any questions concerning this notice or your rights or interests, please contact:...
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Emclaire Financial Corp Announces Quarterly Dividend
EMLENTON, Pa., Aug. 18, 2021 (GLOBE NEWSWIRE) -- The Board of Directors of Emclaire Financial Corp (NASDAQ: EMCF), the parent holding company of the Farmers National Bank of Emlenton, declared a quarterly cash dividend on August 18, 2021 of $0.30...
Emclaire Financial Corp Reports Earnings for Second Quarter 2021
EMLENTON, Pa., July 23, 2021 (GLOBE NEWSWIRE) -- Emclaire Financial Corp (NASDAQ:EMCF), the parent holding company of The Farmers National Bank of Emlenton, reported consolidated net income available to common stockholders of $1.8 million, or $0.67 per diluted common share, for the...
Emclaire Financial Corp Announces Quarterly Dividend
EMLENTON, Pa., May 19, 2021 (GLOBE NEWSWIRE) -- The Board of Directors of Emclaire Financial Corp (NASDAQ: EMCF), the parent holding company of the Farmers National Bank of Emlenton, declared a quarterly cash dividend on May 19, 2021 of $0.30...
Emclaire Financial Corp Reports Record First Quarter Earnings
EMLENTON, Pa., April 21, 2021 (GLOBE NEWSWIRE) -- Emclaire Financial Corp (NASDAQ:EMCF), the parent holding company of The Farmers National Bank of Emlenton, reported consolidated net income available to common stockholders of $2.2 million, or $0.79 per diluted common share, for the...
Emclaire Financial Corp Announces Quarterly Dividend
EMLENTON, Pa., Feb. 17, 2021 (GLOBE NEWSWIRE) -- The Board of Directors of Emclaire Financial Corp (NASDAQ: EMCF), the parent holding company of the Farmers National Bank of Emlenton, declared a quarterly cash dividend on February 17, 2021 of $0.30...
Emclaire Financial Corp Reports Earnings for 2020; Announces Annual Meeting Date
EMLENTON, Pa., Jan. 29, 2021 (GLOBE NEWSWIRE) -- Emclaire Financial Corp (NASDAQ:EMCF), the parent holding company of The Farmers National Bank of Emlenton, reported consolidated net income available to common stockholders of $6.6 million, or $2.41 per diluted common share,...
Emclaire Financial Corp Announces Quarterly Dividend
EMLENTON, Pa., Nov. 18, 2020 (GLOBE NEWSWIRE) -- The Board of Directors of Emclaire Financial Corp (NASDAQ: EMCF), the parent holding company of the Farmers National Bank of Emlenton, declared a quarterly cash dividend on November 18, 2020 of $0.30...
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