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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 2.22
FCLF's Cash to Debt is ranked higher than
52% of the 1639 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.98 vs. FCLF: 2.22 )
Ranked among companies with meaningful Cash to Debt only.
FCLF' s Cash to Debt Range Over the Past 10 Years
Min: 0.45  Med: 1.18 Max: No Debt
Current: 2.22
Equity to Asset 0.12
FCLF's Equity to Asset is ranked higher than
69% of the 1660 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. FCLF: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
FCLF' s Equity to Asset Range Over the Past 10 Years
Min: 0.11  Med: 0.14 Max: 0.27
Current: 0.12
0.11
0.27
Interest Coverage 1.72
FCLF's Interest Coverage is ranked higher than
51% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. FCLF: 1.72 )
Ranked among companies with meaningful Interest Coverage only.
FCLF' s Interest Coverage Range Over the Past 10 Years
Min: 0.32  Med: 0.65 Max: 2.6
Current: 1.72
0.32
2.6
F-Score: 6
M-Score: -2.52
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 22.73
FCLF's Operating margin (%) is ranked lower than
69% of the 1678 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.78 vs. FCLF: 22.73 )
Ranked among companies with meaningful Operating margin (%) only.
FCLF' s Operating margin (%) Range Over the Past 10 Years
Min: -51.93  Med: 30.57 Max: 37.56
Current: 22.73
-51.93
37.56
Net-margin (%) 17.98
FCLF's Net-margin (%) is ranked lower than
65% of the 1677 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.15 vs. FCLF: 17.98 )
Ranked among companies with meaningful Net-margin (%) only.
FCLF' s Net-margin (%) Range Over the Past 10 Years
Min: -51.4  Med: 20.24 Max: 24.1
Current: 17.98
-51.4
24.1
ROE (%) 4.49
FCLF's ROE (%) is ranked lower than
77% of the 1675 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.39 vs. FCLF: 4.49 )
Ranked among companies with meaningful ROE (%) only.
FCLF' s ROE (%) Range Over the Past 10 Years
Min: -10.34  Med: 3.7 Max: 5.89
Current: 4.49
-10.34
5.89
ROA (%) 0.57
FCLF's ROA (%) is ranked lower than
69% of the 1683 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. FCLF: 0.57 )
Ranked among companies with meaningful ROA (%) only.
FCLF' s ROA (%) Range Over the Past 10 Years
Min: -1.42  Med: 0.6 Max: 0.73
Current: 0.57
-1.42
0.73
Revenue Growth (3Y)(%) 2.60
FCLF's Revenue Growth (3Y)(%) is ranked lower than
53% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. FCLF: 2.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FCLF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 2.8 Max: 35
Current: 2.6
0
35
EBITDA Growth (3Y)(%) 2.00
FCLF's EBITDA Growth (3Y)(%) is ranked lower than
63% of the 1253 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. FCLF: 2.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FCLF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -4.3 Max: 25
Current: 2
0
25
EPS Growth (3Y)(%) 7.60
FCLF's EPS Growth (3Y)(%) is ranked higher than
52% of the 1231 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. FCLF: 7.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FCLF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -2.1 Max: 31.8
Current: 7.6
0
31.8
» FCLF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:HFBC, NAS:LSBK, OTCBB:NIDB, NAS:MSBF, OTCBB:NWIN, NAS:CBNK, NAS:IROQ, NAS:FSBK, NAS:HMNF, NAS:PBBI, NAS:KFFB, AMEX:BKJ, OTCPK:SFDL, NAS:PBSK, NAS:UCBA, NAS:FCAP, NAS:ANCB, OTCPK:GRRB, OTCPK:VLLX, NAS:PBHC » details
First Clover Leaf Financial Corp is the holding company of First Clover Leaf Bank. The Bank accepts savings deposits and offers loans to individual and corporate customers in Edwardsvile.

First Clover Leaf Financial Corp is a Maryland corporation that was incorporated in March 2006 and was formed by its predecessor company, First Federal Financial Services, Inc., in connection with the second-step conversion of First Federal Financial Services, MHC and the simultaneous acquisition of Clover Leaf Financial Corp. and its wholly owned savings bank subsidiary, Clover Leaf Bank, a former Illinois state bank headquartered in Edwardsville, Illinois. The second-step conversion, stock offering and acquisition of Clover Leaf Financial Corp. were consummated in July 2006. As a result of these transactions, Clover Leaf Financial Corp. was merged with and into First Clover Leaf and Clover Leaf Bank was merged with and into its wholly owned subsidiary, First Federal Savings and Loan Association of Edwardsville, which was renamed First Clover Leaf Bank. Its principal asset is the ownership of 100% of the outstanding common stock of First Clover Leaf Bank, a federal savings bank. It conducts business through its five branch offices located in Edwardsville, Wood River, and Highland, Illinois. Its principal business consists of attracting retail deposits from the general public in the areas surrounding its office locations and investing those deposits, together with funds generated from operations, in one-to-four family residential real estate loans, multi-family real estate loans, commercial real estate loans, construction and land loans, commercial business loans and consumer loans, and in investment securities. It faces intense competition within its market area both in making loans and attracting deposits. It is regulated and supervised by the Office of Comptroller of the Currency and the Federal Deposit Insurance Corporation.

Ratios

vs
industry
vs
history
P/E(ttm) 25.00
FCLF's P/E(ttm) is ranked lower than
85% of the 1557 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.95 vs. FCLF: 25.00 )
Ranked among companies with meaningful P/E(ttm) only.
FCLF' s P/E(ttm) Range Over the Past 10 Years
Min: 11.65  Med: 23.27 Max: 73.57
Current: 25
11.65
73.57
PE(NRI) 25.00
FCLF's PE(NRI) is ranked lower than
85% of the 1539 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.98 vs. FCLF: 25.00 )
Ranked among companies with meaningful PE(NRI) only.
FCLF' s PE(NRI) Range Over the Past 10 Years
Min: 11.65  Med: 23.27 Max: 73.57
Current: 25
11.65
73.57
Price/Owner Earnings (ttm) 21.26
FCLF's Price/Owner Earnings (ttm) is ranked lower than
75% of the 883 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.78 vs. FCLF: 21.26 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FCLF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.65  Med: 18.22 Max: 500
Current: 21.26
8.65
500
P/B 1.07
FCLF's P/B is ranked higher than
54% of the 1662 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. FCLF: 1.07 )
Ranked among companies with meaningful P/B only.
FCLF' s P/B Range Over the Past 10 Years
Min: 0.54  Med: 0.81 Max: 2.13
Current: 1.07
0.54
2.13
P/S 4.35
FCLF's P/S is ranked lower than
70% of the 1645 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.21 vs. FCLF: 4.35 )
Ranked among companies with meaningful P/S only.
FCLF' s P/S Range Over the Past 10 Years
Min: 2.24  Med: 3.46 Max: 72.06
Current: 4.35
2.24
72.06
PFCF 17.24
FCLF's PFCF is ranked lower than
67% of the 826 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.19 vs. FCLF: 17.24 )
Ranked among companies with meaningful PFCF only.
FCLF' s PFCF Range Over the Past 10 Years
Min: 5.46  Med: 14.02 Max: 1447.5
Current: 17.24
5.46
1447.5
POCF 16.89
FCLF's POCF is ranked lower than
75% of the 925 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.51 vs. FCLF: 16.89 )
Ranked among companies with meaningful POCF only.
FCLF' s POCF Range Over the Past 10 Years
Min: 5.41  Med: 13.21 Max: 375
Current: 16.89
5.41
375
EV-to-EBIT 13.80
FCLF's EV-to-EBIT is ranked lower than
55% of the 1265 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.31 vs. FCLF: 13.80 )
Ranked among companies with meaningful EV-to-EBIT only.
FCLF' s EV-to-EBIT Range Over the Past 10 Years
Min: -20.3  Med: 13.45 Max: 144.5
Current: 13.8
-20.3
144.5
EV-to-EBITDA 11.89
FCLF's EV-to-EBITDA is ranked lower than
53% of the 1263 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.92 vs. FCLF: 11.89 )
Ranked among companies with meaningful EV-to-EBITDA only.
FCLF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -32.2  Med: 11.5 Max: 142.5
Current: 11.89
-32.2
142.5
PEG 3.52
FCLF's PEG is ranked lower than
81% of the 752 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.28 vs. FCLF: 3.52 )
Ranked among companies with meaningful PEG only.
FCLF' s PEG Range Over the Past 10 Years
Min: 1.1  Med: 1.71 Max: 3.52
Current: 3.52
1.1
3.52
Shiller P/E 42.72
FCLF's Shiller P/E is ranked lower than
89% of the 502 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.35 vs. FCLF: 42.72 )
Ranked among companies with meaningful Shiller P/E only.
FCLF' s Shiller P/E Range Over the Past 10 Years
Min: 29.9  Med: 32.86 Max: 43.1
Current: 42.72
29.9
43.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.92
FCLF's Dividend Yield is ranked lower than
68% of the 2376 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.79 vs. FCLF: 1.92 )
Ranked among companies with meaningful Dividend Yield only.
FCLF' s Dividend Yield Range Over the Past 10 Years
Min: 1.92  Med: 2.84 Max: 4.57
Current: 1.92
1.92
4.57
Dividend Payout 0.46
FCLF's Dividend Payout is ranked lower than
71% of the 1294 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FCLF: 0.46 )
Ranked among companies with meaningful Dividend Payout only.
FCLF' s Dividend Payout Range Over the Past 10 Years
Min: 0.18  Med: 0.55 Max: 2.2
Current: 0.46
0.18
2.2
Forward Dividend Yield 1.92
FCLF's Forward Dividend Yield is ranked lower than
72% of the 2299 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.98 vs. FCLF: 1.92 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.92
FCLF's Yield on cost (5-Year) is ranked lower than
76% of the 2629 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. FCLF: 1.92 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FCLF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.92  Med: 2.84 Max: 4.57
Current: 1.92
1.92
4.57
3-Year Average Share Buyback Ratio 2.10
FCLF's 3-Year Average Share Buyback Ratio is ranked higher than
91% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. FCLF: 2.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FCLF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -33.1  Med: 3.2 Max: 0
Current: 2.1
-33.1
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.26
FCLF's Price/Tangible Book is ranked lower than
54% of the 1660 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. FCLF: 1.26 )
Ranked among companies with meaningful Price/Tangible Book only.
FCLF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.71  Med: 0.97 Max: 2.1
Current: 1.26
0.71
2.1
Price/Projected FCF 0.73
FCLF's Price/Projected FCF is ranked higher than
51% of the 872 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.74 vs. FCLF: 0.73 )
Ranked among companies with meaningful Price/Projected FCF only.
FCLF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.4  Med: 0.57 Max: 0.86
Current: 0.73
0.4
0.86
Price/Median PS Value 1.26
FCLF's Price/Median PS Value is ranked lower than
67% of the 1450 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. FCLF: 1.26 )
Ranked among companies with meaningful Price/Median PS Value only.
FCLF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.68  Med: 1.07 Max: 20.88
Current: 1.26
0.68
20.88
Price/Peter Lynch Fair Value 2.28
FCLF's Price/Peter Lynch Fair Value is ranked lower than
83% of the 381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. FCLF: 2.28 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FCLF' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 1.12  Med: 1.61 Max: 2.28
Current: 2.28
1.12
2.28
Price/Graham Number 1.18
FCLF's Price/Graham Number is ranked lower than
69% of the 1404 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.92 vs. FCLF: 1.18 )
Ranked among companies with meaningful Price/Graham Number only.
FCLF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.01  Med: 0.96 Max: 2.52
Current: 1.18
0.01
2.52
Earnings Yield (Greenblatt) (%) 7.20
FCLF's Earnings Yield (Greenblatt) (%) is ranked higher than
58% of the 1663 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. FCLF: 7.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FCLF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.7  Med: 6.7 Max: 16.3
Current: 7.2
0.7
16.3
Forward Rate of Return (Yacktman) (%) 17.44
FCLF's Forward Rate of Return (Yacktman) (%) is ranked higher than
64% of the 886 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.59 vs. FCLF: 17.44 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FCLF' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 1.5  Med: 8.3 Max: 20.1
Current: 17.44
1.5
20.1

More Statistics

Revenue (TTM) (Mil) $20.12
EPS (TTM) $ 0.50
Short Percentage of Float0.14%
52-Week Range $8.90 - 12.64
Shares Outstanding (Mil)7.01
» More Articles for FCLF

Headlines

Articles On GuruFocus.com
First Clover Leaf Financial Corp. (FCLF) Chairman of the Board Joseph Helms buys 1,000 Shares Dec 14 2010 
First Clover Leaf Financial Corp. (FCLF) EVP and COO Bradley S Rench buys 1,000 Shares Nov 24 2010 

More From Other Websites
FIRST CLOVER LEAF FINANCIAL CORP. Files SEC form 8-K, Completion of Acquisition or Disposition of... Sep 09 2016
First Mid-Illinois Bancshares, Inc. completes acquisition of First Clover Leaf Financial Corp. Sep 08 2016
First Mid-Illinois Bancshares, Inc. completes acquisition of First Clover Leaf Financial Corp. Sep 08 2016
First Mid-Illinois Bancshares and First Clover Leaf Financial Corp. Announce Stockholder Approval... Sep 01 2016
FIRST CLOVER LEAF FINANCIAL CORP. Files SEC form 8-K, Submission of Matters to a Vote of Security... Sep 01 2016
First Mid-Illinois Bancshares and First Clover Leaf Financial Announce Cash/Stock Election Deadline... Aug 23 2016
FIRST CLOVER LEAF FINANCIAL CORP. Files SEC form 8-K, Other Events, Financial Statements and... Aug 23 2016
FIRST CLOVER LEAF FINANCIAL CORP. Financials Aug 19 2016
First Clover Leaf Financial Corp. :FCLF-US: Earnings Analysis: Q2, 2016 By the Numbers : August 16,... Aug 16 2016
First Clover Leaf Financial posts 2Q profit Aug 11 2016
First Clover Leaf Financial posts 2Q profit Aug 11 2016
FIRST CLOVER LEAF FINANCIAL CORP. Files SEC form 10-Q, Quarterly Report Aug 10 2016
FIRST CLOVER LEAF FINANCIAL CORP. Files SEC form 8-K, Other Events Jul 27 2016
First Clover Leaf Financial Corp. Announces Quarterly Dividend Jul 27 2016
FIRST CLOVER LEAF FINANCIAL CORP. Files SEC form 8-K, Other Events Jul 19 2016
First Clover Leaf Financial Corp. :FCLF-US: Earnings Analysis: Q1, 2016 By the Numbers : June 8,... Jun 08 2016
FIRST CLOVER LEAF FINANCIAL CORP. SHAREHOLDER ALERT: Rigrodsky & Long, P.A. Announces Investigation... May 19 2016
SHAREHOLDER ALERT: Brodsky & Smith, LLC Announces Investigation of The Board of Directors of First... May 13 2016
FIRST CLOVER LEAF FINANCIAL CORP. Files SEC form 10-Q, Quarterly Report May 12 2016
INVESTOR ALERT: Levi & Korsinsky, LLP Announces Investigation Concerning the Fairness of the Sale of... May 12 2016
SHAREHOLDER ALERT: Brodsky & Smith, LLC Announces Investigation of The Board of Directors of First... May 04 2016
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Announces Investigation as to Whether the Sale of First... May 03 2016
FIRST CLOVER LEAF FINANCIAL INVESTOR ALERT BY THE FORMER ATTORNEY GENERAL OF LOUISIANA: Kahn Swick &... May 03 2016
First Clover Leaf Financial Corp. Shareholder Alert: Former SEC Attorney Willie Briscoe and Powers... May 02 2016
INVESTOR ALERT: Brower Piven Commences an Investigation into the Proposed Sale of First Clover Leaf... May 02 2016
INVESTOR ALERT: Levi & Korsinsky, LLP Announces Investigation as to Whether the Sale of First Clover... May 02 2016
First Clover Leaf Financial Corp.: Strong price momentum but will it sustain? Apr 28 2016
SHAREHOLDER ALERT: Brower Piven Commences an Investigation into the Proposed Sale of First Clover... Apr 28 2016
First Clover Leaf Financial Corp. Announces Quarterly Dividend Apr 28 2016
First Mid-Illinois Bancshares, Inc. to acquire First Clover Leaf Financial Corp. Apr 27 2016
First Clover Leaf Bank Opens Full-Service Branch in St. Louis Apr 07 2016
First Clover Leaf Financial Corp. Announces Quarterly Dividend Jan 27 2016

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