Emclaire Financial Corp (EMCF) |
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Price: $31.6000
$-1.39
-4.213%
|
Day's High:
| $33.26
| Week Perf:
| -1.28 %
|
Day's Low: |
$ 31.10 |
30 Day Perf: |
-2.11 % |
Volume (M): |
19 |
52 Wk High: |
$ 0.00 |
Volume (M$): |
$ 590 |
52 Wk Avg: |
$0.00 |
Open: |
$33.26 |
52 Wk Low: |
$0.00 |
|
|
Market Capitalization (Millions $) |
87 |
Shares
Outstanding (Millions) |
3 |
Employees |
122 |
Revenues (TTM) (Millions $) |
35 |
Net Income (TTM) (Millions $) |
10 |
Cash Flow (TTM) (Millions $) |
-27 |
Capital Exp. (TTM) (Millions $) |
1 |
Emclaire Financial Corp
Emclaire Financial Corp is a Pennsylvania corporation and financial holding
company that provides a full range of retail and commercial financial products
and services to customers in western Pennsylvania through its wholly owned subsidiary
bank, The Farmers National Bank of Emlenton (the Bank). The Corporation also
provides real estate settlement services through its subsidiary, Emclaire Settlement
Services, LLC (the Title Company).
The Bank was organized in 1900 as a national banking association and is a financial
intermediary whose principal business consists of attracting deposits from the
general public and investing such funds in real estate loans secured by liens
on residential and commercial property, consumer loans, commercial business
loans, marketable securities and interest-earning deposits. The Bank currently
operates through a network of fifteen retail branch offices in Venango, Butler,
Clarion, Clearfield, Crawford, Elk, Jefferson and Mercer counties, Pennsylvania.
The Corporation and the Bank are headquartered in Emlenton, Pennsylvania.
The Bank is subject to examination and comprehensive regulation by the Office
of the Comptroller of the Currency (OCC), which is the Bank’s chartering
authority, and the Federal Deposit Insurance Corporation (FDIC), which insures
customer deposits held by the Bank to the full extent provided by law. The Bank
is a member of the Federal Reserve Bank of Cleveland (FRB) and the Federal Home
Loan Bank of Pittsburgh (FHLB). The Corporation is a registered bank holding
company pursuant to the Bank Holding Company Act of 1956, as amended (BHCA),
and a financial holding company under the Gramm-Leach Bliley Act of 1999 (GLBA).
General. The principal lending activities of the Corporation are the origination
of residential mortgage, commercial mortgage, commercial business and consumer
loans. Nearly all of the Corporation’s loans are originated in and secured
by property within the Corporation’s primary market area.
One-to-Four Family Mortgage Loans. The Corporation offers first mortgage loans
secured by one-to-four family residences located mainly in the Corporation’s
primary lending area. Typically such residences are single-family owner occupied
units. The Corporation is an approved, qualified lender for the Federal Home
Loan Mortgage Corporation (FHLMC) and the FHLB. As a result, the Corporation
may sell loans to and service loans for the FHLMC and FHLB in market conditions
and circumstances where this is advantageous in managing interest rate risk.
Home Equity Loans. The Corporation originates home equity loans secured by single-family
residences. These loans may be either a single advance fixed-rate loan with
a term of up to 20 years or a variable rate revolving line of credit. These
loans are made only on owner-occupied single-family residences.
Commercial Business and Commercial Real Estate Loans. Commercial lending constitutes
a significant portion of the Corporation’s lending activities. Commercial
real estate loans generally consist of loans granted for commercial purposes
secured by commercial or other nonresidential real estate. Commercial loans
consist of secured and unsecured loans for such items as capital assets, inventory,
operations and other commercial purposes.
Consumer Loans. Consumer loans generally consist of fixed-rate term loans for
automobile purchases, home improvements not secured by real estate, capital
and other personal expenditures. The Corporation also offers unsecured revolving
personal lines of credit and overdraft protection.
Loans to One Borrower. National banks are subject to limits on the amount of
credit that they can extend to one borrower. Under current law, loans to one
borrower are limited to an amount equal to 15% of unimpaired capital and surplus
on an unsecured basis, and an additional amount equal to 10% of unimpaired capital
and surplus if the loan is secured by readily marketable collateral.
Company Address: 612 Main Street Emlenton 16373 PA
Company Phone Number: 767-2311 Stock Exchange / Ticker: NASDAQ EMCF
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Customers Net Income grew by |
EMCF's Customers Net Profit Margin grew to |
20.01 % |
17.24 %
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|
Per Share |
Current |
Earnings (TTM) |
3.68 $ |
Revenues (TTM) |
12.81 $
|
Cash Flow (TTM) |
- |
Cash |
48.92 $
|
Book Value |
25.64 $
|
Dividend (TTM) |
1.3 $ |
|
Per Share |
|
Earnings (TTM) |
3.68 $
|
Revenues (TTM) |
12.81 $ |
Cash Flow (TTM) |
- |
Cash |
48.92 $
|
Book Value |
25.64 $ |
Dividend (TTM) |
1.3 $ |
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