First Clover Leaf Financial Annual Income Statement (NASDAQ:FCLF)

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

Looking at financial statements, along with the First Clover Leaf Financial stock price, it's management, its economic moat, and industry competitors forms an important part of fundamental analysis.   The key financial statements of a company are the income statement, the balance sheet and the cash flow statement. The income statement is generated for a specific period of time. The revenue increase of $22.38M for 2015 impacts the FCLF stock. Investors typically check year over year or quarter over quarter revenue growth. One also needs to look at First Clover Leaf Financial assets, operating expenses and First Clover Leaf Financial free cash flow. The profit and loss statement shows revenue of $22.38M for 2015. Revenue has grown by $0.84M YoY for FCLF stock. First Clover Leaf Financial revenue for 2015 is $22.38M. View revenue and profit details for latest and last 10 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 Sales or Revenues
22.38M21.54M21.99M24.62M25.81M27.68M29.42M25.49M23.02M
Cost Of Goods Sold (COGS)2.16M2.17M2.76M3.83M5.81M7.72M10.25M10.81M10.47M
First Clover Leaf Financial Gross Profit
20.22M19.37M19.22M20.78M20M19.95M19.17M14.68M12.55M
Research & Development Expense---------
Selling General & Admin Expense13.5M13.65M13.54M13.47M16.55M12.33M15.56M8.32M6.48M
Income Before Depreciation Depletion Amortization6.71M5.71M5.67M7.31M3.45M7.61M3.6M6.35M6.07M
Depreciation Depletion Amortization0.14M0.18M0.38M0.56M0.48M0.63M10.03M0.53M0.63M
Non Operating Income-------0.47M--
Interest Expense0.26M0.34M0.54M0.63M0.63M1.2M2M1.63M1.61M
First Clover Leaf Financial Pretax Income
6.31M5.18M4.74M6.1M2.33M5.77M-8.91M4.18M3.82M
Provision for Income Taxes1.67M1.36M1.38M2.04M0.43M1.97M-0.09M1.48M1.41M
Minority Interest---------
Investment Gains Losses---------
Other Income---------
Income Before Extraordinaries & Disc Operations4.63M3.82M3.35M4.06M1.89M3.8M-8.82M2.7M2.4M
Extraordinary Items & Discontinued Operations---------
First Clover Leaf Financial Net Income (Profit/Loss)
4.63M3.82M3.35M4.06M1.89M3.8M-8.82M2.7M2.4M
Average Shares used to compute Diluted EPS7.01M6.96M7.3M7.67M7.9M7.81M8.15M--
Average Shares used to compute Basic EPS7.01M6.96M7.3M7.67M7.9M7.81M8.15M--
Income Before Nonrecurring Items4.64M3.83M3.36M4.07M1.9M3.81M0.79M--
Income from Nonrecurring Items-------9.61M--
First Clover Leaf Financial Earnings Per Share Basic Net
0.660.550.460.530.240.49-1.080.320.27
First Clover Leaf Financial Earnings Per Share Diluted Net
0.660.550.460.530.240.49-1.08--
EPS Diluted Before Nonrecurring Items0.660.550.460.530.240.490.10--
Preferred Dividends Acc Pd---------
Dividends Common---------
Dividend Per Share Common0.240.240.240.240.240.240.240.240.24
All figures in USD. M: Millions of USD, B: Billions of USD.
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First Clover Leaf Financial stock analysis involves checking at least a few of the important things like:
  • Topline: A growing topline, as seen from the First Clover Leaf Financial revenue chart, as is the case with First Clover Leaf Financial indicates a growing business. One needs to compare the QoQ or YoY topline growth of FCLF stock with its peers like NBTF stock and CHEV stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: Most businesses like First Clover Leaf Financial try to improve their bottom line by growing their topline and by increasing their operating efficiency. A healthy bottom line growth implies a good investment.
The income statement is also called statement of revenue and expense. The financials along with First Clover Leaf Financial historical stock prices provides a lot of details about the firm. .

First Clover Leaf Financial Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
25.0000
PS ratio (
price sales ratio
)
3.8466
Operating margin
13.6
Net profit margin
10.9
Dividend yield
1.92%