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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 1.42
FCLF's Cash to Debt is ranked higher than
50% of the 984 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.36 vs. FCLF: 1.42 )
Ranked among companies with meaningful Cash to Debt only.
FCLF' s 10-Year Cash to Debt Range
Min: 0.44  Med: 1.04 Max: No Debt
Current: 1.42
Equity to Asset 0.13
FCLF's Equity to Asset is ranked higher than
77% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. FCLF: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
FCLF' s 10-Year Equity to Asset Range
Min: 0.11  Med: 0.14 Max: 0.27
Current: 0.13
0.11
0.27
Interest Coverage 2.06
FCLF's Interest Coverage is ranked higher than
57% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. FCLF: 2.06 )
Ranked among companies with meaningful Interest Coverage only.
FCLF' s 10-Year Interest Coverage Range
Min: 0.32  Med: 0.93 Max: 9999.99
Current: 2.06
0.32
9999.99
F-Score: 5
WACC vs ROIC
11.71%
8.15%
WACC
ROIC
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 (%) 34.59
FCLF's Operating margin (%) is ranked higher than
61% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.25 vs. FCLF: 34.59 )
Ranked among companies with meaningful Operating margin (%) only.
FCLF' s 10-Year Operating margin (%) Range
Min: -51.93  Med: 30.81 Max: 66.72
Current: 34.59
-51.93
66.72
Net-margin (%) 24.83
FCLF's Net-margin (%) is ranked higher than
60% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.01 vs. FCLF: 24.83 )
Ranked among companies with meaningful Net-margin (%) only.
FCLF' s 10-Year Net-margin (%) Range
Min: -51.4  Med: 20.50 Max: 43.38
Current: 24.83
-51.4
43.38
ROE (%) 6.50
FCLF's ROE (%) is ranked lower than
65% of the 1427 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.44 vs. FCLF: 6.50 )
Ranked among companies with meaningful ROE (%) only.
FCLF' s 10-Year ROE (%) Range
Min: -10.34  Med: 4.68 Max: 8.98
Current: 6.5
-10.34
8.98
ROA (%) 0.81
FCLF's ROA (%) is ranked lower than
54% of the 1436 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. FCLF: 0.81 )
Ranked among companies with meaningful ROA (%) only.
FCLF' s 10-Year ROA (%) Range
Min: -1.42  Med: 0.64 Max: 1.5
Current: 0.81
-1.42
1.5
Revenue Growth (3Y)(%) 2.90
FCLF's Revenue Growth (3Y)(%) is ranked higher than
55% of the 1215 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. FCLF: 2.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FCLF' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 2.65 Max: 30.5
Current: 2.9
0
30.5
EBITDA Growth (3Y)(%) 24.50
FCLF's EBITDA Growth (3Y)(%) is ranked higher than
84% of the 1072 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. FCLF: 24.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FCLF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -13.80 Max: 24.5
Current: 24.5
0
24.5
EPS Growth (3Y)(%) 31.80
FCLF's EPS Growth (3Y)(%) is ranked higher than
84% of the 1070 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.60 vs. FCLF: 31.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FCLF' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -6.10 Max: 31.8
Current: 31.8
0
31.8
» FCLF's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 12.91
FCLF's P/E(ttm) is ranked higher than
53% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.10 vs. FCLF: 12.91 )
Ranked among companies with meaningful P/E(ttm) only.
FCLF' s 10-Year P/E(ttm) Range
Min: 11.75  Med: 23.04 Max: 73.57
Current: 12.91
11.75
73.57
Forward P/E 14.73
FCLF's Forward P/E is ranked lower than
79% of the 714 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.85 vs. FCLF: 14.73 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.70
FCLF's PE(NRI) is ranked higher than
53% of the 1291 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. FCLF: 12.70 )
Ranked among companies with meaningful PE(NRI) only.
FCLF' s 10-Year PE(NRI) Range
Min: 11.65  Med: 23.01 Max: 73.57
Current: 12.7
11.65
73.57
P/B 0.82
FCLF's P/B is ranked higher than
70% of the 1370 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. FCLF: 0.82 )
Ranked among companies with meaningful P/B only.
FCLF' s 10-Year P/B Range
Min: 0.54  Med: 0.82 Max: 2.13
Current: 0.82
0.54
2.13
P/S 3.19
FCLF's P/S is ranked lower than
57% of the 1409 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.86 vs. FCLF: 3.19 )
Ranked among companies with meaningful P/S only.
FCLF' s 10-Year P/S Range
Min: 2.24  Med: 3.68 Max: 72.32
Current: 3.19
2.24
72.32
PFCF 18.04
FCLF's PFCF is ranked lower than
76% of the 863 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.51 vs. FCLF: 18.04 )
Ranked among companies with meaningful PFCF only.
FCLF' s 10-Year PFCF Range
Min: 5.5  Med: 12.84 Max: 605
Current: 18.04
5.5
605
POCF 16.15
FCLF's POCF is ranked lower than
79% of the 956 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.00 vs. FCLF: 16.15 )
Ranked among companies with meaningful POCF only.
FCLF' s 10-Year POCF Range
Min: 5.45  Med: 13.55 Max: 2025
Current: 16.15
5.45
2025
EV-to-EBIT 7.37
FCLF's EV-to-EBIT is ranked higher than
83% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.41 vs. FCLF: 7.37 )
Ranked among companies with meaningful EV-to-EBIT only.
FCLF' s 10-Year EV-to-EBIT Range
Min: -21.4  Med: 16.40 Max: 147.1
Current: 7.37
-21.4
147.1
Shiller P/E 21.30
FCLF's Shiller P/E is ranked lower than
70% of the 786 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.81 vs. FCLF: 21.30 )
Ranked among companies with meaningful Shiller P/E only.
FCLF' s 10-Year Shiller P/E Range
Min: 20.91  Med: 53.75 Max: 64
Current: 21.3
20.91
64
Days Sales Outstanding 31.06
FCLF's Days Sales Outstanding is ranked higher than
55% of the 795 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.20 vs. FCLF: 31.06 )
Ranked among companies with meaningful Days Sales Outstanding only.
FCLF' s 10-Year Days Sales Outstanding Range
Min: 26.28  Med: 33.17 Max: 74.51
Current: 31.06
26.28
74.51

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.61
FCLF's Dividend Yield is ranked lower than
52% of the 2258 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.76 vs. FCLF: 2.61 )
Ranked among companies with meaningful Dividend Yield only.
FCLF' s 10-Year Dividend Yield Range
Min: 0.47  Med: 2.88 Max: 4.57
Current: 2.61
0.47
4.57
Dividend Payout 0.33
FCLF's Dividend Payout is ranked higher than
51% of the 1330 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. FCLF: 0.33 )
Ranked among companies with meaningful Dividend Payout only.
FCLF' s 10-Year Dividend Payout Range
Min: 0.18  Med: 0.57 Max: 2.2
Current: 0.33
0.18
2.2
Yield on cost (5-Year) 2.61
FCLF's Yield on cost (5-Year) is ranked lower than
59% of the 2253 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.23 vs. FCLF: 2.61 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FCLF' s 10-Year Yield on cost (5-Year) Range
Min: 0.47  Med: 2.88 Max: 4.57
Current: 2.61
0.47
4.57
Share Buyback Rate 3.30
FCLF's Share Buyback Rate is ranked higher than
94% of the 1013 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. FCLF: 3.30 )
Ranked among companies with meaningful Share Buyback Rate only.
FCLF' s 10-Year Share Buyback Rate Range
Min: 0  Med: 2.35 Max: -32.7
Current: 3.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.97
FCLF's Price/Tangible Book is ranked higher than
63% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. FCLF: 0.97 )
Ranked among companies with meaningful Price/Tangible Book only.
FCLF' s 10-Year Price/Tangible Book Range
Min: 0.71  Med: 0.97 Max: 2.1
Current: 0.97
0.71
2.1
Price/Projected FCF 0.55
FCLF's Price/Projected FCF is ranked higher than
64% of the 805 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. FCLF: 0.55 )
Ranked among companies with meaningful Price/Projected FCF only.
FCLF' s 10-Year Price/Projected FCF Range
Min: 0.39  Med: 0.57 Max: 0.87
Current: 0.55
0.39
0.87
Price/Median PS Value 0.86
FCLF's Price/Median PS Value is ranked higher than
78% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. FCLF: 0.86 )
Ranked among companies with meaningful Price/Median PS Value only.
FCLF' s 10-Year Price/Median PS Value Range
Min: 0.64  Med: 1.02 Max: 19.66
Current: 0.86
0.64
19.66
Price/Peter Lynch Fair Value 1.58
FCLF's Price/Peter Lynch Fair Value is ranked lower than
78% of the 371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.91 vs. FCLF: 1.58 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FCLF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.33  Med: 1.55 Max: 1.9
Current: 1.58
1.33
1.9
Price/Graham Number 0.75
FCLF's Price/Graham Number is ranked higher than
60% of the 1181 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. FCLF: 0.75 )
Ranked among companies with meaningful Price/Graham Number only.
FCLF' s 10-Year Price/Graham Number Range
Min: 0.6  Med: 1.04 Max: 2.18
Current: 0.75
0.6
2.18
Earnings Yield (Greenblatt) (%) 13.54
FCLF's Earnings Yield (Greenblatt) (%) is ranked higher than
84% of the 1408 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. FCLF: 13.54 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FCLF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.7  Med: 5.60 Max: 16.3
Current: 13.54
0.7
16.3
Forward Rate of Return (Yacktman) (%) 16.60
FCLF's Forward Rate of Return (Yacktman) (%) is ranked higher than
55% of the 792 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.82 vs. FCLF: 16.60 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FCLF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 1.5  Med: 7.70 Max: 19.6
Current: 16.6
1.5
19.6

Analyst Estimate

Dec15
EPS($) 0.65
EPS without NRI($) 0.65

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
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.
» 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. Financials Aug 28 2015
10-Q for First Clover Leaf Financial Corp. Aug 17 2015
FIRST CLOVER LEAF FINANCIAL CORP. Files SEC form 10-Q, Quarterly Report Aug 14 2015
FIRST CLOVER LEAF FINANCIAL CORP. Files SEC form 8-K, Results of Operations and Financial Condition,... Aug 11 2015
First Clover Leaf Financial Corp. Announces Second Quarter Financial Results Aug 11 2015
First Clover Leaf Financial Corp. Announces Second Quarter Financial Results Aug 11 2015
FIRST CLOVER LEAF FINANCIAL CORP. Files SEC form 8-K, Other Events Jul 29 2015
First Clover Leaf Financial Corp. Announces Quarterly Dividend Jul 29 2015
First Clover Leaf Financial Corp. Announces Quarterly Dividend Jul 29 2015
FIRST CLOVER LEAF FINANCIAL CORP. Files SEC form 8-K, Submission of Matters to a Vote of Security... Jun 02 2015
FIRST CLOVER LEAF FINANCIAL CORP. Files SEC form 10-Q, Quarterly Report May 15 2015
Marc Kamp & Robb Treat Named as 2015 St. Louis Five Star Home Professionals Apr 29 2015
First Clover Leaf Financial Corp. Announces Quarterly Dividend Apr 29 2015
FIRST CLOVER LEAF FINANCIAL CORP. Files SEC form 8-K, Other Events Apr 29 2015
FIRST CLOVER LEAF FINANCIAL CORP. Files SEC form 10-K, Annual Report Mar 31 2015
First Clover Leaf Financial Corp. Announces 2014 Year End Financial Results Feb 17 2015
FIRST CLOVER LEAF FINANCIAL CORP. Files SEC form 8-K, Results of Operations and Financial Condition,... Feb 17 2015
FIRST CLOVER LEAF FINANCIAL CORP. Files SEC form 8-K, Other Events Jan 29 2015
FIRST CLOVER LEAF FINANCIAL CORP. Files SEC form 10-Q, Quarterly Report Nov 14 2014
FIRST CLOVER LEAF FINANCIAL CORP. Files SEC form 8-K, Other Events Oct 29 2014

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