Contrasting Emclaire Financial (EMCF) & Fulton Financial (FULT)

Emclaire Financial (NASDAQ:EMCF) and Fulton Financial (NASDAQ:FULT) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their risk, institutional ownership, analyst recommendations, earnings, profitability, dividends and valuation.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Emclaire Financial and Fulton Financial, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Emclaire Financial 0 0 0 0 N/A
Fulton Financial 0 3 1 0 2.25



Fulton Financial has a consensus price target of $19.17, suggesting a potential upside of 16.59%. Given Fulton Financial’s higher probable upside, analysts clearly believe Fulton Financial is more favorable than Emclaire Financial.

Volatility and Risk

Emclaire Financial has a beta of 0.67, meaning that its share price is 33% less volatile than the S&P 500. Comparatively, Fulton Financial has a beta of 0.98, meaning that its share price is 2% less volatile than the S&P 500.

Valuation and Earnings

This table compares Emclaire Financial and Fulton Financial’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Emclaire Financial $35.17 million 2.30 $4.21 million N/A N/A
Fulton Financial $954.04 million 2.93 $208.39 million $1.18 13.93

Fulton Financial has higher revenue and earnings than Emclaire Financial.

Insider and Institutional Ownership

6.2% of Emclaire Financial shares are owned by institutional investors. Comparatively, 66.8% of Fulton Financial shares are owned by institutional investors. 16.6% of Emclaire Financial shares are owned by company insiders. Comparatively, 1.0% of Fulton Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Dividends

Emclaire Financial pays an annual dividend of $1.16 per share and has a dividend yield of 3.9%. Fulton Financial pays an annual dividend of $0.52 per share and has a dividend yield of 3.2%. Fulton Financial pays out 44.1% of its earnings in the form of a dividend. Emclaire Financial has raised its dividend for 3 consecutive years and Fulton Financial has raised its dividend for 8 consecutive years.

Profitability

This table compares Emclaire Financial and Fulton Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Emclaire Financial 11.98% 6.64% 0.53%
Fulton Financial 21.95% 9.50% 1.05%

Summary

Fulton Financial beats Emclaire Financial on 11 of the 15 factors compared between the two stocks.

Emclaire Financial Company Profile

Emclaire Financial Corp. operates as a bank. Emclaire Financial Corp. was founded in 1900 and is based in Emlenton, Pennsylvania.

Fulton Financial Company Profile

Fulton Financial Corporation operates as a multi-bank financial holding company that provides banking and financial services to businesses and consumers. It accepts various checking accounts and savings deposit products, certificates of deposit, and individual retirement accounts. The company also offers consumer loans, including home equity loans and lines of credit, automobile loans, automobile and equipment leases, personal lines of credit, and checking account overdraft protection; construction and jumbo residential mortgage loans; and commercial lending products comprising commercial, financial, agricultural, and real estate loans. In addition, it provides equipment leasing, letters of credit, cash management services, and traditional deposit products; and investment management, trust, brokerage, insurance, and investment advisory services. Further, the company owns investment securities and other investments, as well as trust preferred securities; and sells various life insurance products. It provides its products and services through branch banking, as well as through a network of automated teller machines, telephone banking, mobile banking, and online banking. As of January 18, 2018, the company operated 240 branches in Pennsylvania, Maryland, Delaware, New Jersey, and Virginia. Fulton Financial Corporation was founded in 1882 and is headquartered in Lancaster, Pennsylvania.

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