Critical Analysis: Emclaire Financial (NASDAQ:EMCF) Versus 1st Colonial Bancorp (OTCMKTS:FCOB)
Critical Analysis: Emclaire Financial (NASDAQ:EMCF) Versus 1st Colonial Bancorp (OTCMKTS:FCOB)
Emclaire Financial (NASDAQ:EMCF – Get Rating) and 1st Colonial Bancorp (OTCMKTS:FCOB – Get Rating) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, valuation, earnings, profitability, analyst recommendations, risk and institutional ownership.
安克萊爾金融(納斯達克：EMCF-GET Rating)和第一殖民地銀行(OTCMKTS：FCOB-GET Rating)都是小盤金融公司，但哪一家是優勢業務？我們將根據這兩家公司的股息、估值、收益、盈利能力、分析師建議、風險和機構持股情況對它們進行比較。
Valuation and Earnings
估值和收益
This table compares Emclaire Financial and 1st Colonial Bancorp's gross revenue, earnings per share (EPS) and valuation.
此表比較了Emclaire Financial和First Colony Bancorp的毛收入、每股收益(EPS)和估值。
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Emclaire Financial | $41.17 million | 2.17 | $10.17 million | $3.68 | 8.87 |
| 1st Colonial Bancorp | $34.42 million | 1.66 | $7.26 million | $1.63 | 7.48 |
| 總收入 | 價格/銷售額比 | 淨收入 | 每股收益 | 市盈率 | |
| 安克萊爾金融 | 4,117萬美元 | 2.17 | 1017萬美元 | $3.68 | 8.87 |
| 第一殖民地銀行 | 3,442萬美元 | 1.66 | 726萬美元 | $1.63 | 7.48 |
Emclaire Financial has higher revenue and earnings than 1st Colonial Bancorp. 1st Colonial Bancorp is trading at a lower price-to-earnings ratio than Emclaire Financial, indicating that it is currently the more affordable of the two stocks.
Emclaire Financial的收入和收益高於第一殖民地銀行。First Colloial Bancorp的市盈率低於Emclaire Financial，表明它目前是兩隻股票中更負擔得起的一隻。
Profitability
盈利能力
| Net Margins | Return on Equity | Return on Assets | |
| Emclaire Financial | 25.57% | 12.79% | 0.98% |
| 1st Colonial Bancorp | 22.69% | 12.71% | 1.05% |
| 淨利潤率 | 股本回報率 | 資產回報率 | |
| 安克萊爾金融 | 25.57% | 12.79% | 0.98% |
| 第一殖民地銀行 | 22.69% | 12.71% | 1.05% |
Insider and Institutional Ownership
內部人與機構持股
14.3% of Emclaire Financial shares are held by institutional investors. Comparatively, 17.8% of 1st Colonial Bancorp shares are held by institutional investors. 15.5% of Emclaire Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Emclaire Financial 14.3%的股份由機構投資者持有。相比之下，第一殖民地銀行17.8%的股份由機構投資者持有。Emclaire Financial 15.5%的股份由公司內部人士持有。強大的機構持股表明，對衝基金、捐贈基金和大型基金管理公司相信，一家公司有望實現長期增長。
Analyst Recommendations
分析師建議
This is a summary of recent ratings and price targets for Emclaire Financial and 1st Colonial Bancorp, as reported by MarketBeat.
據MarketBeat報道，這是Emclaire Financial和First Colony Bancorp最近的評級和目標價摘要。
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Emclaire Financial | 0 | 0 | 0 | 0 | N/A |
| 1st Colonial Bancorp | 0 | 0 | 0 | 0 | N/A |
| 銷售評級 | 保持評級 | 購買評級 | 強勁的買入評級 | 評級分數 | |
| 安克萊爾金融 | 0 | 0 | 0 | 0 | 不適用 |
| 第一殖民地銀行 | 0 | 0 | 0 | 0 | 不適用 |
Risk & Volatility
風險與波動性
Emclaire Financial has a beta of 0.26, meaning that its share price is 74% less volatile than the S&P 500. Comparatively, 1st Colonial Bancorp has a beta of 0.85, meaning that its share price is 15% less volatile than the S&P 500.
Emclaire Financial的貝塔係數為0.26，這意味着其股價的波動性比標準普爾500指數低74%。相比之下，第一殖民地銀行的貝塔係數為0.85，這意味着其股價的波動性比標準普爾500指數低15%。
Summary
摘要
Emclaire Financial beats 1st Colonial Bancorp on 8 of the 11 factors compared between the two stocks.
Emclaire Financial在兩隻股票比較的11個因素中有8個擊敗了第一殖民地銀行。
About Emclaire Financial
關於Emclaire Financial
(Get Rating)
(獲取評級)
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.
Emclaire Financial Corp是Emlenton農民國民銀行的銀行控股公司，向賓夕法尼亞州西部的個人和企業提供零售和商業金融產品和服務。該公司的存款產品包括支票、儲蓄和定期憑證賬户；儲蓄和定期存款；無息和有息活期存款賬户；以及貨幣市場賬户。其貸款組合包括一至四筆家庭抵押貸款、房屋淨值貸款、商業商業和商業房地產貸款、消費貸款以及向一名借款人發放的貸款。該公司在維南戈、阿勒格尼、巴特勒、克拉里昂、克利爾菲爾德、克勞福德、埃爾克、傑斐遜、美瑟縣和賓夕法尼亞州經營着19個零售分支機構。該公司成立於1900年，總部設在賓夕法尼亞州的埃姆倫頓。
About 1st Colonial Bancorp
關於第一殖民地銀行
(Get Rating)
(獲取評級)
1st Colonial Bancorp, Inc. operates as the bank holding company for 1st Colonial Community Bank that provides a range of business and consumer financial services in New Jersey. The company offers various deposit products, including savings accounts, money market accounts, certificates of deposit, club accounts, and business and personal checking accounts. It also provides home equity loans, home equity lines of credit, personal and vehicle loans, residential and commercial mortgages, construction loans, business lines of credit, equipment and vehicle financing, real estate loans, working capital line of credit, and business acquisition loans, as well as small business administration loans. In addition, the company offers a range of merchant services comprising remote deposit capture, ACH/wire transfer, night deposit drop, and other merchant services; safe deposit boxes; and coin counting, online and mobile banking, debit card, and ATM services. It operates two branch offices located in Collingswood and Westville, New Jersey; and a loan production office in Haddonfield. 1st Colonial Bancorp, Inc. was founded in 2000 and is headquartered in Cherry Hill, New Jersey.
第一殖民地銀行作為第一殖民地社區銀行的銀行控股公司，在新澤西州提供一系列商業和消費金融服務。該公司提供各種存款產品，包括儲蓄賬户、貨幣市場賬户、存單、俱樂部賬户以及企業和個人支票賬户。它還提供房屋淨值貸款、房屋淨值信用額度、個人和車輛貸款、住宅和商業抵押貸款、建築貸款、商業信用額度、設備和車輛融資、房地產貸款、營運資金信用額度、企業收購貸款，以及小企業管理貸款。此外，該公司還提供一系列商户服務，包括遠程存款獲取、ACH/電匯、夜間押金投遞和其他商户服務；保險箱；以及硬幣清點、在線和移動銀行、借記卡和自動櫃員機服務。它在新澤西州的科林斯伍德和韋斯特維爾經營着兩個分支機構；在哈登菲爾德經營着一個貸款製作辦公室。第一殖民地銀行成立於2000年，總部設在新澤西州的櫻桃山。
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譯文內容由第三人軟體翻譯。