Reviewing China Minsheng Banking (OTCMKTS:CMAKY) and Emclaire Financial (NASDAQ:EMCF)

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

Earnings & Valuation

This table compares Emclaire Financial and China Minsheng Banking’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Emclaire Financial $40.54 million 1.66 $7.95 million N/A N/A
China Minsheng Banking N/A N/A N/A N/A N/A

Emclaire Financial has higher revenue and earnings than China Minsheng Banking.

Institutional and Insider Ownership

4.5% of Emclaire Financial shares are owned by institutional investors. 17.8% of Emclaire Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Analyst Ratings

This is a summary of current recommendations and price targets for Emclaire Financial and China Minsheng Banking, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Emclaire Financial 0 0 0 0 N/A
China Minsheng Banking 0 1 0 0 2.00

Profitability

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

Net Margins Return on Equity Return on Assets
Emclaire Financial 14.36% 6.98% 0.60%
China Minsheng Banking N/A N/A N/A

Dividends

Emclaire Financial pays an annual dividend of $1.20 per share and has a dividend yield of 4.8%. China Minsheng Banking pays an annual dividend of $0.43 per share and has a dividend yield of 7.8%. Emclaire Financial has increased its dividend for 1 consecutive years.

Volatility and Risk

Emclaire Financial has a beta of 0.45, indicating that its share price is 55% less volatile than the S&P 500. Comparatively, China Minsheng Banking has a beta of 0.63, indicating that its share price is 37% less volatile than the S&P 500.

Summary

Emclaire Financial beats China Minsheng Banking on 7 of the 9 factors compared between the two stocks.

About Emclaire Financial

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; time deposits; noninterest bearing and interest bearing demand deposit accounts; and money market accounts. Its loan portfolio comprises one-to-four family mortgage loans, residential and commercial mortgage loans, home equity loans, and commercial business and commercial real estate loans; and consumer loans, such as loans for automobile purchases, home improvements not secured by real estate, capital, and other personal expenditures, as well as unsecured revolving personal lines of credit and overdraft protection. The company operates a network of 20 retail branch offices in Venango, Allegheny, Butler, Clarion, Clearfield, Crawford, Elk, Jefferson, and Mercer counties, Pennsylvania, as well as in Hancock County, West Virginia. The company was founded in 1900 and is headquartered in Emlenton, Pennsylvania.

About China Minsheng Banking

China Minsheng Banking Corp., Ltd. provides various financial products and services to individuals, small and micro-enterprises, corporate customers, government agencies, and financial institutions in the People's Republic of China. The company operates through Corporate Banking, Personal Banking, and Others segments. Its deposit products include saving accounts, deposit certificates, contracted deposits, agreement deposits, call deposits, corporate term deposits, and corporate current deposits. The company also offers personal housing mortgage, individual automobile purchase, household composite consumption, medium and long term, and short-term working capital loans; micro-credit products for individuals; trust, trade-related products, and foreign currency services; and debit and credit cards. In addition, it provides foreign exchange trading, derivatives transactions, money market transactions, and precious metal trading services, as well as Internet, mobile, and telephone banking services. Further, the company offers gross settlement; wages distribution agency and letter of guarantee; cash management; trade finance; industrial chain finance; individual forex settlement, forex remittance, travelers promissory notes, collection, individual deposit certificate, and guarantee letter products; and comprehensive credit granting, forex settlement and sale, financial product investment, and trust financing services. Additionally, it provides convenient finance, investment banking, and asset management services, as well as non-financial services in the education, business travel, traveler, art, luxury life, health, club, and isports areas. The company has approximately 132 branches, 1,154 business outlets, 1,175 community sub-branches, and 147 small business sub-branches. China Minsheng Banking Corp., Ltd. was founded in 1996 and is headquartered in Beijing, the People's Republic of China.

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