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First Clover Leaf Financial (First Clover Leaf Financial) PB Ratio : 1.07 (As of Apr. 25, 2024)


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What is First Clover Leaf Financial PB Ratio?

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2024-04-25), First Clover Leaf Financial's share price is $12.50. First Clover Leaf Financial's Book Value per Share for the quarter that ended in Jun. 2016 was $11.73. Hence, First Clover Leaf Financial's PB Ratio of today is 1.07.

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

FCLF's PB Ratio is not ranked *
in the Banks industry.
Industry Median: 0.85
* Ranked among companies with meaningful PB Ratio only.

Back to Basics: PB Ratio


First Clover Leaf Financial PB Ratio Historical Data

The historical data trend for First Clover Leaf Financial's PB Ratio 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 PB Ratio Chart

First Clover Leaf Financial Annual Data
Trend Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.61 0.60 0.94 0.80 0.81

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
PB Ratio 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 0.81 0.83 0.81 0.80 1.01

Competitive Comparison of First Clover Leaf Financial's PB Ratio

For the Banks - Regional subindustry, First Clover Leaf Financial's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio Distribution in the Banks Industry

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

* The bar in red indicates where First Clover Leaf Financial's PB Ratio falls into.



First Clover Leaf Financial PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

First Clover Leaf Financial's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Jun. 2016)
=12.50/11.733
=1.07

* 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:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.


First Clover Leaf Financial  (NAS:FCLF) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


First Clover Leaf Financial PB Ratio Related Terms

Thank you for viewing the detailed overview of First Clover Leaf Financial's PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


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

First Clover Leaf Financial (First Clover Leaf Financial) Headlines

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