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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 2.10
FCLF's Cash to Debt is ranked higher than
80% of the 1551 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. FCLF: 2.10 )
FCLF' s 10-Year Cash to Debt Range
Min: 0.44   Max: No Debt
Current: 2.1

Equity to Asset 0.12
FCLF's Equity to Asset is ranked higher than
83% of the 1996 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. FCLF: 0.12 )
FCLF' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.27
Current: 0.12

0.11
0.27
Interest Coverage 1.43
FCLF's Interest Coverage is ranked higher than
70% of the 1825 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. FCLF: 1.43 )
FCLF' s 10-Year Interest Coverage Range
Min: 0.32   Max: 1.43
Current: 1.43

0.32
1.43
F-Score: 5
Z-Score: 0.18
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 (%) 23.47
FCLF's Operating margin (%) is ranked higher than
66% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.16 vs. FCLF: 23.47 )
FCLF' s 10-Year Operating margin (%) Range
Min: -51.93   Max: 66.72
Current: 23.47

-51.93
66.72
Net-margin (%) 17.71
FCLF's Net-margin (%) is ranked higher than
68% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.42 vs. FCLF: 17.71 )
FCLF' s 10-Year Net-margin (%) Range
Min: -51.4   Max: 43.38
Current: 17.71

-51.4
43.38
ROE (%) 4.36
FCLF's ROE (%) is ranked higher than
59% of the 2016 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.57 vs. FCLF: 4.36 )
FCLF' s 10-Year ROE (%) Range
Min: -10.34   Max: 8.98
Current: 4.36

-10.34
8.98
ROA (%) 0.51
FCLF's ROA (%) is ranked higher than
63% of the 2019 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. FCLF: 0.51 )
FCLF' s 10-Year ROA (%) Range
Min: -1.42   Max: 1.5
Current: 0.51

-1.42
1.5
ROC (Joel Greenblatt) (%) 42.64
FCLF's ROC (Joel Greenblatt) (%) is ranked higher than
65% of the 1989 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.96 vs. FCLF: 42.64 )
FCLF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -75.52   Max: 232.69
Current: 42.64

-75.52
232.69
Revenue Growth (%) 2.40
FCLF's Revenue Growth (%) is ranked higher than
80% of the 1727 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. FCLF: 2.40 )
FCLF' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 35.2
Current: 2.4

0
35.2
EBITDA Growth (%) -4.30
FCLF's EBITDA Growth (%) is ranked higher than
62% of the 1558 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. FCLF: -4.30 )
FCLF' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 21.6
Current: -4.3

0
21.6
EPS Growth (%) -2.10
FCLF's EPS Growth (%) is ranked higher than
64% of the 1545 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. FCLF: -2.10 )
FCLF' s 10-Year EPS Growth (%) Range
Min: 0   Max: 22
Current: -2.1

0
22
» 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) 19.60
FCLF's P/E(ttm) is ranked higher than
72% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.50 vs. FCLF: 19.60 )
FCLF' s 10-Year P/E(ttm) Range
Min: 11.75   Max: 73.57
Current: 19.6

11.75
73.57
P/B 0.80
FCLF's P/B is ranked higher than
89% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.34 vs. FCLF: 0.80 )
FCLF' s 10-Year P/B Range
Min: 0.54   Max: 2.13
Current: 0.8

0.54
2.13
P/S 3.50
FCLF's P/S is ranked higher than
74% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.61 vs. FCLF: 3.50 )
FCLF' s 10-Year P/S Range
Min: 2.24   Max: 24.33
Current: 3.5

2.24
24.33
PFCF 21.10
FCLF's PFCF is ranked higher than
81% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FCLF: 21.10 )
FCLF' s 10-Year PFCF Range
Min: 5.5   Max: 231
Current: 21.1

5.5
231
EV-to-EBIT 11.42
FCLF's EV-to-EBIT is ranked higher than
85% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.80 vs. FCLF: 11.42 )
FCLF' s 10-Year EV-to-EBIT Range
Min: -21.4   Max: 42.2
Current: 11.42

-21.4
42.2
Shiller P/E 49.00
FCLF's Shiller P/E is ranked higher than
77% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FCLF: 49.00 )
FCLF' s 10-Year Shiller P/E Range
Min: 27.63   Max: 64
Current: 49

27.63
64

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.70
FCLF's Dividend Yield is ranked higher than
59% of the 1871 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.25 vs. FCLF: 2.70 )
FCLF' s 10-Year Dividend Yield Range
Min: 0.47   Max: 4.57
Current: 2.7

0.47
4.57
Dividend Payout 0.52
FCLF's Dividend Payout is ranked higher than
65% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. FCLF: 0.52 )
FCLF' s 10-Year Dividend Payout Range
Min: 0.18   Max: 2.2
Current: 0.52

0.18
2.2
Yield on cost (5-Year) 2.70
FCLF's Yield on cost (5-Year) is ranked higher than
54% of the 1883 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.50 vs. FCLF: 2.70 )
FCLF' s 10-Year Yield on cost (5-Year) Range
Min: 0.47   Max: 4.57
Current: 2.7

0.47
4.57
Share Buyback Rate 2.50
FCLF's Share Buyback Rate is ranked higher than
95% of the 1472 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. FCLF: 2.50 )
FCLF' s 10-Year Share Buyback Rate Range
Min: 0   Max: -32.7
Current: 2.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
FCLF's Price/Tangible Book is ranked higher than
85% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.62 vs. FCLF: 1.00 )
FCLF' s 10-Year Price/Tangible Book Range
Min: 0.71   Max: 2.1
Current: 1

0.71
2.1
Price/DCF (Projected) 0.60
FCLF's Price/DCF (Projected) is ranked higher than
89% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.54 vs. FCLF: 0.60 )
FCLF' s 10-Year Price/DCF (Projected) Range
Min: 0.39   Max: 0.85
Current: 0.6

0.39
0.85
Price/Median PS Value 0.90
FCLF's Price/Median PS Value is ranked higher than
92% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. FCLF: 0.90 )
FCLF' s 10-Year Price/Median PS Value Range
Min: 0.62   Max: 10.91
Current: 0.9

0.62
10.91
Price/Graham Number 0.90
FCLF's Price/Graham Number is ranked higher than
80% of the 2626 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. FCLF: 0.90 )
FCLF' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 2.18
Current: 0.9

0.6
2.18
Earnings Yield (Greenblatt) 8.80
FCLF's Earnings Yield (Greenblatt) is ranked higher than
82% of the 1973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. FCLF: 8.80 )
FCLF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.4   Max: 15.6
Current: 8.8

2.4
15.6
Forward Rate of Return (Yacktman) 6.95
FCLF's Forward Rate of Return (Yacktman) is ranked higher than
63% of the 1512 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.69 vs. FCLF: 6.95 )
FCLF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1   Max: 8.2
Current: 6.95

1
8.2

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, primarily 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 

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