Head to Head Analysis: Emclaire Financial (EMCF) and Fulton Financial (FULT)

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

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 22.66% 9.25% 1.03%

Valuation and Earnings

This table compares Emclaire Financial and Fulton Financial’s top-line 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 2.34 $4.21 million N/A N/A
Fulton Financial $954.04 million 2.96 $208.39 million $1.18 14.10

Fulton Financial has higher revenue and earnings than Emclaire Financial.

Analyst Recommendations

This is a summary of recent ratings and price targets 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 4 1 0 2.20

Fulton Financial has a consensus target price of $19.13, indicating a potential upside of 14.93%. Given Fulton Financial’s higher possible upside, analysts clearly believe Fulton Financial is more favorable than Emclaire Financial.

Volatility and Risk

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

Dividends

Emclaire Financial pays an annual dividend of $1.16 per share and has a dividend yield of 3.8%. Fulton Financial pays an annual dividend of $0.52 per share and has a dividend yield of 3.1%. Fulton Financial pays out 44.1% of its earnings in the form of a dividend. Emclaire Financial has increased its dividend for 3 consecutive years and Fulton Financial has increased its dividend for 8 consecutive years.

Insider & Institutional Ownership

6.2% of Emclaire Financial shares are held by institutional investors. Comparatively, 66.8% of Fulton Financial shares are held by institutional investors. 16.6% of Emclaire Financial shares are held by insiders. Comparatively, 1.0% of Fulton Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

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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