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First Clover Leaf Financial (First Clover Leaf Financial) PE Ratio (TTM) : 25.00 (As of Apr. 26, 2024)


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What is First Clover Leaf Financial PE Ratio (TTM)?

The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2024-04-26), First Clover Leaf Financial's share price is $12.50. First Clover Leaf Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2016 was $0.50. Therefore, First Clover Leaf Financial's PE Ratio (TTM) for today is 25.00.


The historical rank and industry rank for First Clover Leaf Financial's PE Ratio (TTM) or its related term are showing as below:

FCLF' s PE Ratio (TTM) Range Over the Past 10 Years
Min: At Loss   Med: At Loss   Max: At Loss
Current: At Loss



FCLF's PE Ratio (TTM) is not ranked
in the Banks industry.
Industry Median: 9.42 vs FCLF: At Loss

First Clover Leaf Financial's Earnings per Share (Diluted) for the three months ended in Jun. 2016 was $0.09. Its Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2016 was $0.50.

As of today (2024-04-26), First Clover Leaf Financial's share price is $12.50. First Clover Leaf Financial's EPS without NRI for the trailing twelve months (TTM) ended in Jun. 2016 was $0.50. Therefore, First Clover Leaf Financial's PE Ratio without NRI for today is 25.00.

First Clover Leaf Financial's EPS without NRI for the three months ended in Jun. 2016 was $0.09. Its EPS without NRI for the trailing twelve months (TTM) ended in Jun. 2016 was $0.50.

First Clover Leaf Financial's EPS (Basic) for the three months ended in Jun. 2016 was $0.09. Its EPS (Basic) for the trailing twelve months (TTM) ended in Jun. 2016 was $0.50.


First Clover Leaf Financial PE Ratio (TTM) Historical Data

The historical data trend for First Clover Leaf Financial's PE Ratio (TTM) can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

First Clover Leaf Financial PE Ratio (TTM) Chart

First Clover Leaf Financial Annual Data
Trend Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15
PE Ratio (TTM)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 25.42 11.75 21.30 15.93 14.29

First Clover Leaf Financial Quarterly Data
Sep11 Dec11 Mar12 Jun12 Sep12 Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep14 Dec14 Mar15 Jun15 Sep15 Dec15 Mar16 Jun16
PE Ratio (TTM) Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 12.69 14.48 14.29 16.12 23.80

Competitive Comparison of First Clover Leaf Financial's PE Ratio (TTM)

For the Banks - Regional subindustry, First Clover Leaf Financial's PE Ratio (TTM), along with its competitors' market caps and PE Ratio (TTM) data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


First Clover Leaf Financial's PE Ratio (TTM) Distribution in the Banks Industry

For the Banks industry and Financial Services sector, First Clover Leaf Financial's PE Ratio (TTM) distribution charts can be found below:

* The bar in red indicates where First Clover Leaf Financial's PE Ratio (TTM) falls into.



First Clover Leaf Financial PE Ratio (TTM) Calculation

The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.

First Clover Leaf Financial's PE Ratio (TTM) for today is calculated as

PE Ratio (TTM)=Share Price/Earnings per Share (Diluted) (TTM)
=12.50/0.500
=25.00

First Clover Leaf Financial's Share Price of today is $12.50.
First Clover Leaf Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2016 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.50.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

It can also be calculated from the numbers for the whole company:

PE Ratio (TTM)=Market Cap /Net Income

There are at least three kinds of PE Ratio (TTM)s used by different investors. They are Trailing Twelve Month PE Ratio (TTM) or PE Ratio (TTM) (TTM), Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio (TTM) based on inflation-adjusted normalized PE Ratio (TTM) is called Shiller PE Ratio, after Yale professor Robert Shiller.

In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.


First Clover Leaf Financial  (NAS:FCLF) PE Ratio (TTM) Explanation

The PE Ratio (TTM) can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio (TTM) is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.

In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio (TTM) is positive. Also for stocks with the same PE Ratio (TTM), the one with faster growth business is more attractive.

If a company loses money, the PE Ratio (TTM) becomes meaningless.

To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio (TTM) divided by the growth ratio. He thinks a company with a PE Ratio (TTM) equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio (TTM) of 20, instead of a company growing 10% a year with a PE Ratio (TTM) of 10.

Because the PE Ratio (TTM) measures how long it takes to earn back the price you pay, the PE Ratio (TTM) can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.

Similar to the PE Ratio without NRI or PS Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PE Ratio (TTM) measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

Investors need to be aware that the PE Ratio (TTM) can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio (TTM)s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio (TTM) is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio .

PE Ratio (TTM) can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio (TTM).


First Clover Leaf Financial PE Ratio (TTM) Related Terms

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First Clover Leaf Financial (First Clover Leaf Financial) Business Description

Traded in Other Exchanges
N/A
Address
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.
Executives
P David Kuhl director, officer: PRESIDENT AND CEO 201 W MAIN ST, URBANA IL 61801
Mary Westerhold director 6814 GOSHEN ROAD, EDWARDSVILLE IL 62025

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