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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

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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

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» FCLF's 30-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:OTCPK:SFDL, OTCPK:BHWB, NAS:PBBI, OTCPK:VLLX, NAS:UCBA, NAS:HMNF, NAS:KFFB, NAS:HFBC, NAS:LSBK, NAS:IROQ, NAS:MSBF, NAS:PBHC, NAS:PBSK, NAS:ANCB, OTCPK:GRRB, NAS:BYFC, MAL:LOM, AMEX:BKJ, NAS:FCAP, OTCBB:NWIN » details
Headquarter Location:USA
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

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Dividend & Buy Back

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Dividend Yield % 1.92
FCLF's Dividend Yield % is ranked lower than
66% of the 2337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.62 vs. FCLF: 1.92 )
Ranked among companies with meaningful Dividend Yield % only.
FCLF' s Dividend Yield % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 1.92
Dividend Payout Ratio 0.46
FCLF's Dividend Payout Ratio is ranked lower than
70% of the 1387 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 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  Med: 0 Max: 0
Current: 0.46
Forward Dividend Yield % 1.92
FCLF's Forward Dividend Yield % is ranked lower than
71% of the 2240 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.79 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
75% of the 2723 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.29 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: 0  Med: 0 Max: 0
Current: 1.92

Valuation & Return

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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

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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