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.   In the income statement, an investor can look at important parameters like revenue, gross profits, net profits, and EPS basic to gain deeper insights. The income statement is always for an accounting period, typically for a year or quarter, and affects the stock. In this case, the FCLF stock is bound to reflect the impact of the YoY growth of $0.84M. 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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It is very helpful to read a report on First Clover Leaf Financial stock analysis. An investor must check the following items in an income statement:
  • 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 CHEV stock and CSBB 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 statement of revenue and expense. The financials along with First Clover Leaf Financial historical stock prices provides a lot of details about the firm. .