EMCLAIRE FINANCIAL CORP
Financials · National Commercial Banks · PA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | |
|---|---|---|---|---|---|---|
| Revenue | $3.1M | $3.0M | $3.6M | $3.4M | $2.9M | — |
| Operating income | — | — | — | — | — | — |
| Net income | $10.2M | $6.7M | $8.0M | $4.2M | $4.3M | $4.0M |
| Total assets | $1.06B | $1.03B | $915.3M | $898.9M | $750.1M | $692.1M |
| Total liabilities | $962.5M | $940.8M | $829.4M | $818.9M | $691.0M | $638.1M |
| Equity | $92.3M | $91.5M | $85.9M | $79.8M | $59.1M | $54.1M |
| EPS (diluted) | $3.63 | $2.41 | $2.86 | $1.72 | $1.93 | $1.85 |
| Shares out. | 2.7M | 2.7M | 2.7M | 2.3M | 2.2M | 2.1M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2021- Operating margin
- —
- Net margin
- 325.6%
- Return on equity
- 11.0%
- Return on assets
- 1.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.8%
- Debt / equity
- 10.43×
- Book value / share
- $33.92
- Revenue growth (YoY)
- 4.3%
- Net income growth (YoY)
- 50.7%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2021- Accruals / assets
- −0.8%clean
- Piotroski F-Score
- 6/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 3 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗Aug 15, 2008
- NT 10-Kmissed a reporting deadline ↗Apr 2, 2001
- NT 10-Qmissed a reporting deadline ↗Nov 15, 2000
- NT 10-Kmissed a reporting deadline ↗Mar 30, 2000
- NT 10-Kmissed a reporting deadline ↗Mar 31, 1999
- NT 10-Q/Amissed a reporting deadline ↗Nov 23, 1998
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Bauer Milissa SDirector | Jan 1, 2023 | D | 26,952 | — |
| Cox David LDirector | Jan 1, 2023 | D | 22,430 | — |
| Crooks James MDirector | Jan 1, 2023 | D | 31,494 | — |
| Varischetti Nicholas DDirector | Jan 1, 2023 | D | 70,154 | — |
| Freeman Robert WDirector | Jan 1, 2023 | D | 66,320 | — |
| Deible Henry HDirector | Jan 1, 2023 | D | 69,555 | — |
| Deible Henry H IiDirector | Jan 1, 2023 | D | 2,984 | — |
| Freemer Mark ADirector | Jan 1, 2023 | D | 26,600 | — |
| Hunter Steven JosephDirector | Jan 1, 2023 | D | 950 | — |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsJan 3, 2023
- Regulation FD disclosureDec 5, 2022
- Shareholder vote · Other material eventJul 20, 2022
- Other material eventJun 27, 2022
- Other material eventMay 27, 2022
- Results of operationsApr 29, 2022
- Entered a material agreement · Director / officer change · Other material eventMar 24, 2022
- Results of operationsJan 28, 2022
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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