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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
51% of the 1610 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.14 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 1614 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 1610 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.66 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
Piotroski F-Score: 6
Beneish 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 : 8/10

vs
industry
vs
history
Operating Margin % 22.73
FCLF's Operating Margin % is ranked lower than
69% of the 1627 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.10 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
66% of the 1625 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.46 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 1623 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.50 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 1632 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 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
3-Year Revenue Growth Rate 2.60
FCLF's 3-Year Revenue Growth Rate is ranked lower than
59% of the 1366 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 vs. FCLF: 2.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FCLF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 2.8 Max: 35
Current: 2.6
0
35
3-Year EBITDA Growth Rate 2.00
FCLF's 3-Year EBITDA Growth Rate is ranked lower than
61% of the 1264 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.20 vs. FCLF: 2.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
FCLF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -4.3 Max: 25
Current: 2
0
25
3-Year EPS without NRI Growth Rate 7.60
FCLF's 3-Year EPS without NRI Growth Rate is ranked higher than
50% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. FCLF: 7.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FCLF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -2.1 Max: 31.8
Current: 7.6
0
31.8
GuruFocus has detected 6 Warning Signs with First Clover Leaf Financial Corp $FCLF.
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» FCLF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks  
Compare:NAS:MSBF, NAS:PBBI, OTCPK:SFDL, NAS:KFFB, NAS:HMNF, AMEX:BKJ, NAS:IROQ, NAS:LSBK, NAS:PBSK, NAS:HFBC, NAS:UCBA, NAS:ANCB, OTCPK:GRRB, NAS:FCAP, NAS:PBHC, OTCBB:NWIN, NAS:FSBK, OTCPK:BHWB, NAS:HFBL, NAS:JXSB » 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
PE Ratio 25.00
FCLF's PE Ratio is ranked lower than
85% of the 1585 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.23 vs. FCLF: 25.00 )
Ranked among companies with meaningful PE Ratio only.
FCLF' s PE Ratio Range Over the Past 10 Years
Min: 11.65  Med: 23.15 Max: 73.57
Current: 25
11.65
73.57
PE Ratio without NRI 25.00
FCLF's PE Ratio without NRI is ranked lower than
84% of the 1517 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.53 vs. FCLF: 25.00 )
Ranked among companies with meaningful PE Ratio without NRI only.
FCLF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 11.65  Med: 23.15 Max: 73.57
Current: 25
11.65
73.57
Price-to-Owner-Earnings 21.26
FCLF's Price-to-Owner-Earnings is ranked lower than
72% of the 868 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.84 vs. FCLF: 21.26 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FCLF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.65  Med: 18.22 Max: 500
Current: 21.26
8.65
500
PB Ratio 1.07
FCLF's PB Ratio is ranked higher than
58% of the 1683 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. FCLF: 1.07 )
Ranked among companies with meaningful PB Ratio only.
FCLF' s PB Ratio Range Over the Past 10 Years
Min: 0.54  Med: 0.81 Max: 2.13
Current: 1.07
0.54
2.13
PS Ratio 4.35
FCLF's PS Ratio is ranked lower than
67% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.44 vs. FCLF: 4.35 )
Ranked among companies with meaningful PS Ratio only.
FCLF' s PS Ratio Range Over the Past 10 Years
Min: 2.24  Med: 3.44 Max: 72.06
Current: 4.35
2.24
72.06
Price-to-Free-Cash-Flow 17.24
FCLF's Price-to-Free-Cash-Flow is ranked lower than
57% of the 868 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.80 vs. FCLF: 17.24 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FCLF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.46  Med: 13.27 Max: 11580
Current: 17.24
5.46
11580
Price-to-Operating-Cash-Flow 16.89
FCLF's Price-to-Operating-Cash-Flow is ranked lower than
62% of the 933 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.53 vs. FCLF: 16.89 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FCLF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.41  Med: 13.15 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 1281 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 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: 13.1 Max: 138
Current: 13.8
-20.3
138
EV-to-EBITDA 11.89
FCLF's EV-to-EBITDA is ranked lower than
52% of the 1295 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.35 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: 11.4 Max: 134.8
Current: 11.89
-32.2
134.8
PEG Ratio 3.52
FCLF's PEG Ratio is ranked lower than
78% of the 793 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.44 vs. FCLF: 3.52 )
Ranked among companies with meaningful PEG Ratio only.
FCLF' s PEG Ratio Range Over the Past 10 Years
Min: 1.1  Med: 1.71 Max: 3.52
Current: 3.52
1.1
3.52
Shiller PE Ratio 42.86
FCLF's Shiller PE Ratio is ranked lower than
87% of the 489 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.50 vs. FCLF: 42.86 )
Ranked among companies with meaningful Shiller PE Ratio only.
FCLF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 29.9  Med: 32.86 Max: 43.1
Current: 42.86
29.9
43.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.92
FCLF's Dividend Yield % is ranked lower than
66% of the 2302 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.67 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: 2.9 Max: 4.57
Current: 1.92
1.92
4.57
Dividend Payout Ratio 0.46
FCLF's Dividend Payout Ratio is ranked lower than
70% of the 1292 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. FCLF: 0.46 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FCLF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.36  Med: 0.52 Max: 1.57
Current: 0.46
0.36
1.57
Forward Dividend Yield % 1.92
FCLF's Forward Dividend Yield % is ranked lower than
70% of the 2243 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.84 vs. FCLF: 1.92 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.92
FCLF's 5-Year Yield-on-Cost % is ranked lower than
73% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.34 vs. FCLF: 1.92 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FCLF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.92  Med: 2.9 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 1063 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.10 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-to-Tangible-Book 1.26
FCLF's Price-to-Tangible-Book is ranked lower than
51% of the 1680 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.23 vs. FCLF: 1.26 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FCLF' s Price-to-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-to-Intrinsic-Value-Projected-FCF 0.73
FCLF's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
59% of the 911 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. FCLF: 0.73 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FCLF' s Price-to-Intrinsic-Value-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-to-Median-PS-Value 1.27
FCLF's Price-to-Median-PS-Value is ranked lower than
61% of the 1545 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. FCLF: 1.27 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FCLF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.69  Med: 1.08 Max: 20.88
Current: 1.27
0.69
20.88
Price-to-Peter-Lynch-Fair-Value 2.28
FCLF's Price-to-Peter-Lynch-Fair-Value is ranked lower than
79% of the 438 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. FCLF: 2.28 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
FCLF' s Price-to-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-to-Graham-Number 1.18
FCLF's Price-to-Graham-Number is ranked lower than
66% of the 1465 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. FCLF: 1.18 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FCLF' s Price-to-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 1696 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.70 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: 6.9 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
67% of the 893 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.05 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
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FIRST CLOVER LEAF FINANCIAL CORP. Files SEC form 10-Q, Quarterly Report Aug 10 2016
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