P Kuhl - First Clover President CEO
CEO
Mr. P. David Kuhl is President Chief Executive Officer Director of First Clover Leaf Financial Corporationration since October 2013. He was formerly the Chairman President and CEO of Freestar Bank in Pontiac IL from 2007 2012 and prior to that was Chairman and CEO of Busey Bank in Urbana IL from 19792006. He served as Chairman of the Illinois Bankers Association in 2007 2008 and was Chairman of the Federal Home Loan Bank of Chicago from 2007 2010 and was a Director from 2000 2010. since 2013.
| Age | 64 |
| Tenure | 11 years |
| Phone | 618-656-6122 |
| Web | http://www.firstcloverleafbank.com |
First Clover Management Efficiency
The company has return on total asset (ROA) of 0.57 % which means that it generated a profit of $0.57 on every $100 spent on assets. This is way below average. First Clover's management efficiency ratios could be used to measure how well First Clover manages its routine affairs as well as how well it operates its assets and liabilities.The company currently holds 41.82 M in liabilities with Debt to Equity (D/E) ratio of 7.16, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist First Clover until it has trouble settling it off, either with new capital or with free cash flow. So, First Clover's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like First Clover Leaf sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for First to invest in growth at high rates of return. When we think about First Clover's use of debt, we should always consider it together with cash and equity.
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Management Performance
| Return On Asset | 0.57 |
First Clover Leaf Leadership Team
Elected by the shareholders, the First Clover's board of directors comprises two types of representatives: First Clover inside directors who are chosen from within the company, and outside directors, selected externally and held independent of First. The board's role is to monitor First Clover's management team and ensure that shareholders' interests are well served. First Clover's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, First Clover's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Dennis Terry, Director | ||
| Lisa Fowler, Chief Credit Officer, Executive VP, Chief Credit Officer of First Clover Leaf Bank and Executive VP of First Clover Leaf Bank | ||
| Joseph Stevens, Independent Director | ||
| Kenneth Highlander, Independent Director | ||
| P Kuhl, President CEO | ||
| Gary Niebur, Executive Director, Member of Executive Committee, Member of Compensation and Personnel Committee, Member of Nominating Committee, Member of Audit Committee and Director of First Clover Leaf Bank | ||
| William Barlow, Chief Lending Officer, Executive VP, Chief Lending Officer of First Clover Leaf Bank and Executive VP of First Clover Leaf Bank | ||
| Gerard Schuetzenhofer, Independent Director | ||
| Joseph Gugger, Independent Director | ||
| Darlene McDonald, CFO, Executive VP, Corporate Secretary, CFO of First Clover Leaf Bank and Executive VP of First Clover Leaf Bank | ||
| Mona Haberer, Independent Director | ||
| Mary Westerhold, Independent Director |
First Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is First Clover a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Asset | 0.57 | |||
| Profit Margin | 18.28 % | |||
| Operating Margin | 28.22 % | |||
| Current Valuation | 59.43 M | |||
| Shares Outstanding | 7.01 M | |||
| Shares Owned By Insiders | 17.40 % | |||
| Shares Owned By Institutions | 4.70 % | |||
| Number Of Shares Shorted | 11.16 K | |||
| Price To Earning | 23.79 X | |||
| Price To Book | 1.05 X |
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards First Clover in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, First Clover's short interest history, or implied volatility extrapolated from First Clover options trading.
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Other Consideration for investing in First Stock
If you are still planning to invest in First Clover Leaf check if it may still be traded through OTC markets such as Pink Sheets or OTC Bulletin Board. You may also purchase it directly from the company, but this is not always possible and may require contacting the company directly. Please note that delisted stocks are often considered to be more risky investments, as they are no longer subject to the same regulatory and reporting requirements as listed stocks. Therefore, it is essential to carefully research the First Clover's history and understand the potential risks before investing.
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