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.
安克莱尔金融(纳斯达克：EMCF-GET Rating)和第一殖民地银行(OTCMKTS：FCOB-GET Rating)都是小盘金融公司，但哪一家是优势业务？我们将根据这两家公司的股息、估值、收益、盈利能力、分析师建议、风险和机构持股情况对它们进行比较。
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.
此表比较了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 |
| 总收入 | 价格/销售额比 | 净收入 | 每股收益 | 市盈率 | |
| 安克莱尔金融 | 4,117万美元 | 2.17 | 1017万美元 | $3.68 | 8.87 |
| 第一殖民地银行 | 3,442万美元 | 1.66 | 726万美元 | $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的收入和收益高于第一殖民地银行。First Colloial Bancorp的市盈率低于Emclaire Financial，表明它目前是两只股票中更负担得起的一只。
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% |
| 净利润率 | 股本回报率 | 资产回报率 | |
| 安克莱尔金融 | 25.57% | 12.79% | 0.98% |
| 第一殖民地银行 | 22.69% | 12.71% | 1.05% |
Insider and Institutional Ownership
内部人与机构持股
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%的股份由机构投资者持有。相比之下，第一殖民地银行17.8%的股份由机构投资者持有。Emclaire Financial 15.5%的股份由公司内部人士持有。强大的机构持股表明，对冲基金、捐赠基金和大型基金管理公司相信，一家公司有望实现长期增长。
Analyst Recommendations
分析师建议
This is a summary of recent ratings and price targets for Emclaire Financial and 1st Colonial Bancorp, as reported by MarketBeat.
据MarketBeat报道，这是Emclaire Financial和First Colony Bancorp最近的评级和目标价摘要。
| 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 |
| 销售评级 | 保持评级 | 购买评级 | 强劲的买入评级 | 评级分数 | |
| 安克莱尔金融 | 0 | 0 | 0 | 0 | 不适用 |
| 第一殖民地银行 | 0 | 0 | 0 | 0 | 不适用 |
Risk & Volatility
风险与波动性
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的贝塔系数为0.26，这意味着其股价的波动性比标准普尔500指数低74%。相比之下，第一殖民地银行的贝塔系数为0.85，这意味着其股价的波动性比标准普尔500指数低15%。
Summary
摘要
Emclaire Financial beats 1st Colonial Bancorp on 8 of the 11 factors compared between the two stocks.
Emclaire Financial在两只股票比较的11个因素中有8个击败了第一殖民地银行。
About Emclaire Financial
关于Emclaire Financial
(Get Rating)
(获取评级)
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农民国民银行的银行控股公司，向宾夕法尼亚州西部的个人和企业提供零售和商业金融产品和服务。该公司的存款产品包括支票、储蓄和定期凭证账户；储蓄和定期存款；无息和有息活期存款账户；以及货币市场账户。其贷款组合包括一至四笔家庭抵押贷款、房屋净值贷款、商业商业和商业房地产贷款、消费贷款以及向一名借款人发放的贷款。该公司在维南戈、阿勒格尼、巴特勒、克拉里昂、克利尔菲尔德、克劳福德、埃尔克、杰斐逊、美瑟县和宾夕法尼亚州经营着19个零售分支机构。该公司成立于1900年，总部设在宾夕法尼亚州的埃姆伦顿。
About 1st Colonial Bancorp
关于第一殖民地银行
(Get Rating)
(获取评级)
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.
第一殖民地银行作为第一殖民地社区银行的银行控股公司，在新泽西州提供一系列商业和消费金融服务。该公司提供各种存款产品，包括储蓄账户、货币市场账户、存单、俱乐部账户以及企业和个人支票账户。它还提供房屋净值贷款、房屋净值信用额度、个人和车辆贷款、住宅和商业抵押贷款、建筑贷款、商业信用额度、设备和车辆融资、房地产贷款、营运资金信用额度、企业收购贷款，以及小企业管理贷款。此外，该公司还提供一系列商户服务，包括远程存款获取、ACH/电汇、夜间押金投递和其他商户服务；保险箱；以及硬币清点、在线和移动银行、借记卡和自动柜员机服务。它在新泽西州的科林斯伍德和韦斯特维尔经营着两个分支机构；在哈登菲尔德经营着一个贷款制作办公室。第一殖民地银行成立于2000年，总部设在新泽西州的樱桃山。
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译文内容由第三方软件翻译。
