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)

Fundamental analysis of FCLF stock involves analyzing its financial statements, apart from checking the First Clover Leaf Financial stock price An income statement is one of the three key financial statements furnished by a company, the other two being the balance sheet and the cashflow statement. Like any other income statement, the FCLF income statement also itemizes revenue, operating expenses, and profits for a quarter or year and reflects a YoY revenue growth of $0.84M when compared to the same period in the past. 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 2006
First Clover Leaf Financial Net Sales or Revenues
22.38M21.54M21.99M24.62M25.81M27.68M29.42M25.49M23.02M14.11M
Cost Of Goods Sold (COGS)2.16M2.17M2.76M3.83M5.81M7.72M10.25M10.81M10.47M5.94M
First Clover Leaf Financial Gross Profit
20.22M19.37M19.22M20.78M20M19.95M19.17M14.68M12.55M8.16M
Research & Development Expense----------
Selling General & Admin Expense13.5M13.65M13.54M13.47M16.55M12.33M15.56M8.32M6.48M4.39M
Income Before Depreciation Depletion Amortization6.71M5.71M5.67M7.31M3.45M7.61M3.6M6.35M6.07M3.77M
Depreciation Depletion Amortization0.14M0.18M0.38M0.56M0.48M0.63M10.03M0.53M0.63M0.31M
Non Operating Income-------0.47M---
Interest Expense0.26M0.34M0.54M0.63M0.63M1.2M2M1.63M1.61M0.59M
First Clover Leaf Financial Pretax Income
6.31M5.18M4.74M6.1M2.33M5.77M-8.91M4.18M3.82M2.86M
Provision for Income Taxes1.67M1.36M1.38M2.04M0.43M1.97M-0.09M1.48M1.41M1.02M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations4.63M3.82M3.35M4.06M1.89M3.8M-8.82M2.7M2.4M1.83M
Extraordinary Items & Discontinued Operations----------
First Clover Leaf Financial Net Income (Profit/Loss)
4.63M3.82M3.35M4.06M1.89M3.8M-8.82M2.7M2.4M1.83M
Average Shares used to compute Diluted EPS7.01M6.96M7.3M7.67M7.9M7.81M8.15M--8M
Average Shares used to compute Basic EPS7.01M6.96M7.3M7.67M7.9M7.81M8.15M--8M
Income Before Nonrecurring Items4.64M3.83M3.36M4.07M1.9M3.81M0.79M--1.84M
Income from Nonrecurring Items-------9.61M---
First Clover Leaf Financial Earnings Per Share Basic Net
0.660.550.460.530.240.49-1.080.320.270.23
First Clover Leaf Financial Earnings Per Share Diluted Net
0.660.550.460.530.240.49-1.08--0.23
EPS Diluted Before Nonrecurring Items0.660.550.460.530.240.490.10--0.23
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.240.240.240.240.240.240.240.240.240.12
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: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $22.38M - other expenses = $4.63M for FCLF stock. An improving bottomline implies that the company is growing profits.
The income statement is also called the profit and loss statement. Apart from the income statement, one can check the First Clover Leaf Financial historical stock prices to check how the price has moved with time. .

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%