Ratios

		vs industry	vs history
P/E(ttm)	15.50	FCLF's P/E(ttm) is ranked lower than 65% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 13.43 vs. FCLF: 15.50 )	FCLF' s 10-Year P/E(ttm) Range Min: 11.75   Max: 52.82 Current: 15.5 11.75 52.82
P/B	0.78	FCLF's P/B is ranked higher than 70% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 0.90 vs. FCLF: 0.78 )	FCLF' s 10-Year P/B Range Min: 0.51   Max: 1.99 Current: 0.78 0.51 1.99
P/S	3.09	FCLF's P/S is ranked lower than 64% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 2.20 vs. FCLF: 3.09 )	FCLF' s 10-Year P/S Range Min: 2.24   Max: 24.33 Current: 3.09 2.24 24.33
PFCF	8.78	FCLF's PFCF is ranked lower than 57% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 6.70 vs. FCLF: 8.78 )	FCLF' s 10-Year PFCF Range Min: 5.5   Max: 400 Current: 8.78 5.5 400
EV-to-EBIT	13.92	FCLF's EV-to-EBIT is ranked lower than 57% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 16.90 vs. FCLF: 13.92 )	FCLF' s 10-Year EV-to-EBIT Range Min: 6.4   Max: 42.2 Current: 13.92 6.4 42.2
Shiller P/E	62.39	FCLF's Shiller P/E is ranked lower than 51% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 14.60 vs. FCLF: 62.39 )	FCLF' s 10-Year Shiller P/E Range Min: 25   Max: 63.3 Current: 62.39 25 63.3

Dividend & Buy Back

		vs industry	vs history
Dividend Yield	2.94	FCLF's Dividend Yield is ranked higher than 84% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 2.20 vs. FCLF: 2.94 )	FCLF' s 10-Year Dividend Yield Range Min: 0.47   Max: 4.57 Current: 2.94 0.47 4.57
Dividend Payout	0.6	FCLF's Dividend Payout is ranked higher than 73% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 0.42 vs. FCLF: 0.6 )	FCLF' s 10-Year Dividend Payout Range Min: 0.14   Max: 1.57 Current: 0.6 0.14 1.57
Yield on cost (5-Year)	3.00	FCLF's Yield on cost (5-Year) is ranked higher than 82% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 1.92 vs. FCLF: 3.00 )	FCLF' s 10-Year Yield on cost (5-Year) Range Min: 0.47   Max: 4.57 Current: 3 0.47 4.57
Share Buyback Rate	1.6	FCLF's Share Buyback Rate is ranked higher than 94% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: -1.75 vs. FCLF: 1.6 )	FCLF' s 10-Year Share Buyback Rate Range Min: 0   Max: -23.6 Current: 1.6

Valuation & Return

		vs industry	vs history
Price/Tangible Book	0.9	FCLF's Price/Tangible Book is ranked higher than 53% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 1.00 vs. FCLF: 0.9 )	FCLF' s 10-Year Price/Tangible Book Range Min: 0.7   Max: 1.5 Current: 0.9 0.7 1.5
Price/DCF (Projected)	0.5	FCLF's Price/DCF (Projected) is ranked higher than 64% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 0.50 vs. FCLF: 0.5 )	FCLF' s 10-Year Price/DCF (Projected) Range Min: 0.4   Max: 0.7 Current: 0.5 0.4 0.7
Price/Median PS Value	0.6	FCLF's Price/Median PS Value is ranked lower than 52% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 0.80 vs. FCLF: 0.6 )	FCLF' s 10-Year Price/Median PS Value Range Min: 0.5   Max: 2.2 Current: 0.6 0.5 2.2
Price/Graham Number	0.8	FCLF's Price/Graham Number is ranked higher than 53% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 0.80 vs. FCLF: 0.8 )	FCLF' s 10-Year Price/Graham Number Range Min: 0.6   Max: 1.6 Current: 0.8 0.6 1.6
Earnings Yield (Greenblatt)	7.20	FCLF's Earnings Yield (Greenblatt) is ranked higher than 53% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 5.80 vs. FCLF: 7.20 )	FCLF' s 10-Year Earnings Yield (Greenblatt) Range Min: 2.4   Max: 15.6 Current: 7.2 2.4 15.6
Forward Rate of Return (Yacktman)	5.75	FCLF's Forward Rate of Return (Yacktman) is ranked higher than 85% of the 811 Companies in the Global Savings & Cooperative Banks industry. ( Industry Median: 15.01 vs. FCLF: 5.75 )	FCLF' s 10-Year Forward Rate of Return (Yacktman) Range Min: -1.5   Max: 9.3 Current: 5.75 -1.5 9.3

Business Description

First Clover Leaf Financial Corpoartion is a Maryland corporation that was incorporated on March 17, 2006. It operates as the holding company for First Clover Leaf Bank. It conducts its business through its four branch offices located in Edwardsville and Wood River, Illinois. Its main 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, mainly in one- to four-family residential mortgage loans, commercial real estate loans, multifamily mortgage loans, construction and land loans, commercial business loans and consumer loans, and in investment securities. Its main lending activity includes the origination of first mortgage loans for the purchase or refinancing of one- to four-family residential property, the origination of commercial real estate loans, multi-family, commercial business loans and construction and land loans, as well as home equity loans. The Company originates two types of residential construction loans: construction/speculative loans, and construction/permanent loans. Its main sources of funds are deposits and main and interest payments on loans and securities. Its deposit products include demand and NOW, money market, savings, and term certificate accounts. It faces intense competition within its market area both in making loans and attracting deposits. First Clover Leaf Bank is a federally chartered savings association, and as such is regulated and supervised by the Office of Thrift Supervision and the Federal Deposit Insurance Corporation.
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Industry:	Savings & Cooperative Banks
Compare:	OCN, HOME, NYCB, PBCT, HCBK

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First Clover Leaf Financial Corp. (FCLF) Chairman of the Board Joseph Helms buys 1,000 Shares Dec 14 2010

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