Private company

EMCLAIRE FINANCIAL CORP

American national commercial bank, incorporated in Pennsylvania1

In its 2022 annual report the company says: “The Bank currently operates through a network of 19 retail branch offices in Venango, Allegheny, Butler, Clarion, Clearfield, Crawford, Elk, Jefferson and Mercer counties, Pennsylvania.”46 It is headquartered in Emlenton, Pennsylvania.1

Last updated Oct 20, 2026.

Overview

  • IndustryNational Commercial Banks1
  • HeadquartersEmlenton, Pennsylvania1
  • Incorporated inPA2
  • Business address612 Main St, Emlenton, Pa 163732
  • Filer categoryNon-accelerated filer, Smaller reporting company2

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Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2021

325.6%Net margin3
4.3%Revenue growth, 20213
10.5%Return on equity3
0.15×Debt to equity3
$17.6MFree cash flow3

Where the money goes

Where each dollar of revenue went, fiscal 2021

  • Interest29¢$5.1M
  • Income tax13¢$2.2M
  • Profit58¢$10.2M

Out of $3.1M in revenue.3

Where each dollar of operating cash went, fiscal 2021

  • Capital spending5¢$872.0K
  • Dividends paid19¢$3.5M
  • Kept or used elsewhere77¢$14.2M

Out of $18.5M of cash from operations.3

Financial statements

Revenue4563$3.1M in 2021+8% since 2017
0$1.0M$2.0M$3.0M$4.0M2017: $2.9M$2.9M20172018: $3.4M$3.4M2018+17%2019: $3.6M$3.6M2019+7%2020: $3.0M$3.0M2020−17%2021: $3.1M$3.1M2021+4%
Net income784563$10.2M in 2021+145% since 2015
0$5.0M$10.0M$15.0M2015: $4.2M$4.2M20152016: $4.0M$4.0M2016−4%2017: $4.3M$4.3M2017+7%2018: $4.2M$4.2M2018−2%2019: $8.0M$8.0M2019+89%2020: $6.7M$6.7M2020−15%2021: $10.2M$10.2M2021+51%
Fiscal year2015201620172018201920202021
Revenue$2.9M4$3.4M5$3.6M6$3.0M3$3.1M3
Interest$2.8M7$3.9M8$4.5M4$5.4M5$8.1M6$8.1M3$5.1M3
Income before tax$12.4M3
Income tax$1.1M7$1.2M8$2.1M4$633.0K5$1.7M6$1.4M3$2.2M3
Net income$4.2M7$4.0M8$4.3M4$4.2M5$8.0M6$6.7M3$10.2M3
Earnings per share$2.067$1.868$1.954$1.735$2.886$2.423$3.663
Earnings per share (diluted)$2.057$1.858$1.934$1.725$2.866$2.413$3.633
Shares (weighted, basic)2.7M shares3
Shares (weighted, diluted)2.7M shares3

Compare EMCLAIRE FINANCIAL CORP with another company

What it owns

What EMCLAIRE FINANCIAL CORP reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$35.7M3 Dec 31, 2021$36.2M3 Dec 31, 2020−1.6%
Accumulated depreciation$19.2M3 Dec 31, 2021$18.0M3 Dec 31, 2020+6.6%
Property and equipment, net$16.4M3 Dec 31, 2021$18.2M3 Dec 31, 2020−9.7%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$9.1M3 Dec 31, 2021$37.4M3 Dec 31, 2020−75.7%
Debt securities available for sale$186.3M3 Dec 31, 2021$113.0M3 Dec 31, 2020+64.8%
Equity securities at fair value$5.0K3 Dec 31, 2021$15.0K3 Dec 31, 2020−66.7%
Loans, net of allowance$780.0M3 Dec 31, 2021$800.3M3 Dec 31, 2020−2.5%
Deposits held (banks)$918.5M3 Dec 31, 2021$893.6M3 Dec 31, 2020+2.8%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$19.5M3 Dec 31, 2021$19.5M3 Dec 31, 20200%
Accumulated amortization$4.7M3 Dec 31, 2021$4.6M3 Dec 31, 2020+4.0%
Finite-lived intangibles, net$899.0K3 Dec 31, 2021$1.1M3 Dec 31, 2020−17.0%

Leadership

Who has led EMCLAIRE FINANCIAL CORP, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. William C. Marsh2009–2023

Chair

  1. William C. Marsh2009–2023

President

  1. William C. Marsh2009–2023

Chief financial officer

  1. William C. Marsh2008
  2. Matthew J. Lucco2011–2016
  3. Amanda L. Engles2017–2023

Chief operating officer

  1. Jennifer A. Roxbury2023
2010201520202025
Board members and other officers (23)

Timeline

  1. Jan 3, 20238-K Completed an acquisition or sale; Listing notice or transfer; Change to shareholders' rights37
  2. Dec 5, 20228-K Regulation FD disclosure38
  3. Jul 20, 20228-K Shareholder vote; Other events39
  4. Jun 27, 20228-K Other events40
  5. May 27, 20228-K Other events41
  6. Apr 29, 20228-K Results of operations42
  7. Mar 24, 20228-K Entered a material agreement; Executive or director change; Other events43
  8. Jan 28, 20228-K Results of operations44
  9. Oct 22, 20218-K Results of operations45
  10. Jun 4, 2009New chief executive William C. Marsh becomes CEO11

Calendar

When it reported results

  1. Apr 29, 2022Reported quarterly or annual results42
  2. Jan 28, 2022Reported quarterly or annual results44
  3. Oct 22, 2021Reported quarterly or annual results45

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

61 filings to the SEC since October 2021: 1 annual reports, 4 quarterly reports, 9 major events, 33 insider forms, 14 other. The latest 20:

  1. Jan 4, 202315-12G EDGAR
  2. Jan 3, 2023EFFECT EDGAR
  3. Jan 3, 2023EFFECT EDGAR
  4. Jan 3, 20234 EDGAR
  5. Jan 3, 20234 EDGAR
  6. Jan 3, 20234 EDGAR
  7. Jan 3, 20234 EDGAR
  8. Jan 3, 20234 EDGAR
  9. Jan 3, 20234 EDGAR
  10. Jan 3, 20234 EDGAR
  11. Jan 3, 20234 EDGAR
  12. Jan 3, 20234 EDGAR
  13. Jan 3, 20234 EDGAR
  14. Jan 3, 20234 EDGAR
  15. Jan 3, 20234 EDGAR
  16. Jan 3, 20234 EDGAR
  17. Jan 3, 20234 EDGAR
  18. Jan 3, 20234 EDGAR
  19. Jan 3, 20234 EDGAR
  20. Jan 3, 20238-K EDGAR

The 61 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

SEC filer profile

How EMCLAIRE FINANCIAL CORP is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGAREMCLAIRE FINANCIAL CORP1
  • CIK0000858800
  • Employer ID (EIN)25-16060911
  • Filer statusNon-accelerated filer<br>smaller reporting company1
  • Incorporated inPennsylvania1
  • Fiscal year endsDecember 311
  • Industry code (SIC)6021 National Commercial Banks1
  • Business address612 Main St, Emlenton, PA 163731
  • Mailing addressPost Office Box D, 612 Main Street, Emlenton, PA 163731
  • Phone72486723111
  • Shares outstanding2,735,212 as of Nov 10, 202210
  • Public float$68.7M as of Jun 30, 20213
  • On EDGAR sinceSep 11, 19961
  • Filings773 in all: 4 (336), 8-K (163), 10-Q (58), DEF 14A (24), 10QSB (21), 10-K (18), 3 (15), 5 (13)1
    All 45 form types

    425 (11), 4/A (10), CORRESP (8), EFFECT (8), UPLOAD (8), DEFA14A (7), 8-K/A (6), 10KSB (5), 424B3 (5), S-1/A (5), 10KSB40 (3), NT 10-K (3), NT 10-Q (3), POS AM (3), S-4 (3), S-4/A (3), S-8 (3), S-8 POS (3), SB-2/A (3), SC 13G/A (3), D (2), FWP (2), PRE 14A (2), S-1 (2), S-3 (2), 15-12G (1), 25-NSE (1), 424B5 (1), 8-A12B (1), 8-A12G (1), ARS (1), CERTNAS (1), DEFM14A (1), NT 10-Q/A (1), RW (1), SB-2 (1), SC 13G (1)

  • Latest filingsAnnual report (10-K) Mar 16, 2022
    Quarterly report (10-Q) Nov 10, 2022
    Proxy statement (DEF 14A) Mar 19, 2021
    Latest 8-K (8-K) Jan 3, 2023

Sources

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