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Emclaire Financial Corp · NASDAQ
Price: $31.60 · Annual div: $1.24/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in EMCF → $148.3K in 10 years · $321.20/month
Emclaire Financial Corp serves as the holding company for The Farmers National Bank of Emlenton, which offers diverse financial products and services to both individual and commercial clients across western Pennsylvania. Its deposit offerings include a variety of accounts such as checking, savings, money market, and term certificates, as well as both interest-bearing and non-interest-bearing demand deposits. The company's loan portfolio encompasses residential mortgages (for one-to-four-family homes), home equity loans, commercial financing for businesses and real estate, consumer credit, and specialized loans for individual borrowers. Operating through a network of 19 retail branch offices, Emclaire is present in several Pennsylvania counties, including Venango, Allegheny, Butler, Clarion, Clearfield, Crawford, Elk, Jefferson, and Mercer. The firm was founded in 1900 and maintains its headquarters in Emlenton, Pennsylvania.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold EMCF.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 3.92% | 1.12% | $392 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 3.33% | 0.53% | $333 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 3.14% | 0.34% | $314 / yr |
| 🇬🇧 UK ISA | 0% | 3.92% | 1.12% | $392 / yr |
| 🇬🇧 UK Taxable | 8.75% | 3.58% | 0.78% | $358 / yr |
| 🇨🇦 TFSA | 0% | 3.92% | 1.12% | $392 / yr |
| 🇨🇦 CA Taxable | 25% | 2.94% | 0.14% | $294 / yr |
| 🇦🇺 Super (pension) | 15% | 3.33% | 0.53% | $333 / yr |
| 🇦🇺 AU Taxable | 30% | 2.74% | -0.06% | $274 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.89% | 0.09% | $289 / yr |
| 🇫🇷 FR Taxable | 30% | 2.74% | -0.06% | $274 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.24/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
EMCF pays quarterly — 4 times per year. Next ex-div: TBD.
How EMCF compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for EMCF sourced from FMP /financial-growth endpoint — real data, not estimates.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the EMCF dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Emclaire Financial Corp (EMCF) is currently trading at $31.60, 17% below its 52-week high. The current dividend yield is 3.92% based on an annual payout of $1.24 per share.
Emclaire Financial Corp (EMCF) is a financial services stock currently trading at $31.60 with a dividend yield of 3.92%. The company pays an annual dividend of $1.24 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, EMCF has grown its dividend at a compound annual rate of 22.1%.
Auto-generated from live market data. For educational purposes only — not financial advice.
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