First Clover Leaf Financial Cash Flow - Annual (NASDAQ:FCLF)

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$12.5 $0.08 (0.64%) FCLF stock closing price Sep 08, 2016 (Closing)

The cash flow statement is one of the reports a publicly traded company like First Clover Leaf Financial needs to disclose. While its important to look at the First Clover Leaf Financial debt position, the cash flow statement becomes equally important because public companies use accrual accounting. For example, if a company sells a product which gets counted as First Clover Leaf Financial revenue but does not convert to cash because it does not receive payment in the same quarter, it affects the cash position for that period. First Clover Leaf Financial stock analysis shows positive net income cash flow of $4.63M for 2015. This statement is important because profits alone cannot pay employees, or bills. Cash is required.   The cash from operating activities for First Clover Leaf Financial is $4.5M for 2015, which saw a decrease of -4.66% from previous year. View details of First Clover Leaf Financial cash flows for latest & last ten financial years.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007
First Clover Leaf Financial Net Income Cash Flow
4.63M3.82M3.35M4.06M1.89M3.8M-8.82M2.7M2.4M
Depreciation Depletion Amortization Cash-Flow1.4M1.59M1.57M1.82M0.81M0.37M10.46M0.18M0.2M
Net Increase (Decrease) in Assets Liabilities-0.73M-0.24M2.18M0.39M-2.85M1.66M-4.35M-0.94M0.2M
Cash From (used in) Discontinued Operations---------
Other Adjustments Net-0.8M-0.43M1.11M1.38M5.99M2.11M4.73M1.15M1.35M
First Clover Leaf Financial Net Cash from (used by) Operating Activities
4.5M4.72M8.23M7.67M5.84M7.96M2.01M3.09M4.16M
Increase (Decrease) in Prop Plant And Equipment-0.08M-1.2M-0.28M-0.63M-0.03M-0.03M0.29M-4.04M-0.87M
Acquisition Disposition of Subsidiaires--------11.48M-
Increase (Decrease) in Investments1.55M13.84M-34.47M-0.07M-5.37M6.01M23.28M7.83M-48.43M
Other Cash Inflow (Outflow) from Investment Activities-18.34M-32.66M19M-9.71M-12.79M17.16M14.54M-45.34M-9.76M
First Clover Leaf Financial Net Cash from (used by) Invesment Activities
-16.88M-20.02M-15.76M-10.43M-18.19M23.13M38.12M-53.03M-59.07M
Issuance (Purchase) of Equity Shares-0.01M--3.88M-1.59M-0.39M-0.46M-6.54M-7.07M-5.38M
Issuance (Repayment) of Debt Securities13.5M-11.5M-8M-5M5M-18M-10M26M-
Increase (Decrease) in Bank & Other Borrowings7.88M-14.91M-7.72M-2.37M15.41M2.52M-36.16M15.53M-13.54M
Payment of Dividends & Other Cash Distributions-1.68M-1.68M-1.73M-1.83M-1.86M-1.87M-1.95M-1.99M-2.09M
Other Cash from (used by) Financing Activities
First Clover Leaf Financial Net Cash from (used by) Financing Activities
42.54M-20.33M20.8M34.81M-14.54M-12.84M-59.27M79.98M-0.67M
Effect of Exchange Rate Changes on Cash---------
First Clover Leaf Financial Net Change in Cash & Cash Equivalents
30.16M-35.62M13.27M32.05M-26.89M18.25M-19.13M30.05M-55.58M
Cash & Equivalents at Beginning of Year49.06M84.69M71.41M39.36M66.25M47.99M67.13M37.08M92.66M
Cash & Equivalents at Year End79.23M49.06M84.69M71.41M39.36M66.25M47.99M67.13M37.08M
All figures in USD. M: Millions of USD, B: Billions of USD.
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First Clover Leaf Financial stock price history provides insight into historical stock price fluctuations, and First Clover Leaf Financial stock comparison chart enables peer comparison. Some of the key terms used in the statement of cash flows are:
  • First Clover Leaf Financial has cash of $79.23M on hand. A healthy amount of cash on hand is necessary for any company. Cash has an opportunity cost associated with it, and too much cash in bank may mean that the firm has no or limited growth plans. Hence its important to track the Net Change in Cash and Cash Equivalents along with the First Clover Leaf Financial stock price.
  • Cash Flow from operating activities: First Clover Leaf Financial reported a positive operating cash flow of $4.5M for 2015 and has seen a decrease from the previous year. Operating cash flow or working capital comes from main business activities. Investors look for positive cash flow from recurring operating activities.
  • Growth companies (typically most tech companies) spend heavily  on investing activities and this figure was negative at $-16.88M for FCLF stock. Sometimes a company might have a negative overall cash flow which may not be really bad if it is due to investment expenses. Hence it is important to check the cash flow from investment activities.
  • Cash flow from financing activities shows the flow of cash between First Clover Leaf Financial and its owners and creditors and was $42.54M for 2015. Financing activities allow a company to raise capital, and repay bondholders.
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Key Financial Ratios For First Clover Leaf Financial Cash Flow

FCF margin
0.17