Emclaire Financial (EMCF) Peer Comparison

$31.60

$0.00 (0.00%)

As on 06-Jan-2023 09:30EDT

Market cap

$86 Mln

Revenue (TTM)

$36 Mln

P/E Ratio

8.6

P/B Ratio

1.3

Div. Yield

3.9 %

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	Emclaire Financial (EMCF)	PCSB Financial Corp (PCSB)
Market cap ($ Mln)	86	292
Revenue ($ Mln)	36	59
Net Profit ($ Mln)	10.40	16.04
Net Margin (%)	28.65	27.30
RoE (%)	13.20	5.75
Price to Earnings	8.59	17.15
Price-To-Book	1.28	1.06

Income Statement
Liabilities
Assets
Cashflow
Ratios

Income Statement ($ Mln)

	Emclaire Financial (EMCF)	PCSB Financial Corp (PCSB)
Operating Revenue	36.30	58.76
Cost of Revenue	0.00	0.00
Gross Profit	36.05	50.51
Operating Expenses	2.26	3.69
Operating Profit (EBIT)	21.84	20.33
Other Income	0.00	0.00
Profit before Tax	12.79	20.33
Provision for Tax	2.39	4.29
Profit after Tax (Net Income)	10.40	16.04
Minority Interest	0.00	0.00
Consolidated Profit	10.17	16.04

Liabilities ($ Mln)

	Emclaire Financial (EMCF)	PCSB Financial Corp (PCSB)
Shareholder's Funds	70.98	281.14
Minority Interest	0.00	0.00
Non-Current Liabilities	0.00	66.17
Current Liabilities	961.61	1,593.27
Total Liabilities	1,059.51	1,874.94

Assets ($ Mln)

	Emclaire Financial (EMCF)	PCSB Financial Corp (PCSB)
Non-Current Assets	36.03	29.67
Current Assets	941.99	1,438.45
Total Assets	1,059.51	1,874.94
Total Debt*	21.00	28.29
Net Current Assets	0.00	0.00

Cashflow ($ Mln)

	Emclaire Financial (EMCF)	PCSB Financial Corp (PCSB)
Cash From Operating Activities	3.42	15.09
Cash Flow from Investing Activities	-58.26	-51.16
Cash from Financing Activities	-3.46	59.07
Net Cash Inflow / Outflow	--	23.00

Ratios

Profitability Ratios

	Emclaire Financial (EMCF)	PCSB Financial Corp (PCSB)
ROCE (%)	9.23	3.45
ROE (%)	13.20	5.75
ROA (%)	0.53	0.48
EBIT Margin (%)	46.19	45.58
Net Margin (%)	28.65	27.30
Cash Profit Margin (%)	0.00	0.00

Growth Ratios

	Emclaire Financial (EMCF)	PCSB Financial Corp (PCSB)
Revenue Growth (%)	3.89	15.63
EBIT Growth (%)	-6.00	5.05
Net Profit Growth (%)	4.54	20.52
EPS Growth (%)	4.54	26.67
Book Value Growth (%)	-24.85	2.33

Valuation Ratios

	Emclaire Financial (EMCF)	PCSB Financial Corp (PCSB)
Price / Earnings	8.52	21.94
Price / Book Value	0.89	0.99
Dividend Yield (%)	--	--
EV/EBITDA	-5.70	4.50
Market Cap ($ Cr)	--	--

Solvency Ratios

	Emclaire Financial (EMCF)	PCSB Financial Corp (PCSB)
Debt to Equity	0.00	0.10
Short term debt to equity ratio	0.30	0.00
Current Ratio	0.98	0.90
Quick Ratio	0.98	0.90
Interest Coverage	4.22	4.15

Operating Efficiency Ratios

	Emclaire Financial (EMCF)	PCSB Financial Corp (PCSB)
Debtors to sales (%)	10.18	12.04
Asset Turnover	0.02	0.02
Receivable days	3,970.95	48.65
Inventory Days	--	--
Payable days	--	--
Cash Conversion Cycle	--	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Annual
Quarterly