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Federal Life Group Inc
Buy, Hold or Sell?

Let's analyse Federal Life Group Inc together

PenkeI guess you are interested in Federal Life Group Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Federal Life Group Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Federal Life Group Inc (30 sec.)










What can you expect buying and holding a share of Federal Life Group Inc? (30 sec.)

How much money do you get?

How much money do you get?
$2.19
When do you have the money?
1 year
How often do you get paid?
16.7%

What is your share worth?

Current worth
$12.00
Expected worth in 1 year
$-6.19
How sure are you?
50.0%

+ What do you gain per year?

Total Gains per Share
$-16.00
Return On Investment
-182.8%

For what price can you sell your share?

Current Price per Share
$8.75
Expected price per share
$8.75 - $8.75
How sure are you?
50%

1. Valuation of Federal Life Group Inc (5 min.)




Live pricePrice per Share (EOD)

$8.75

Intrinsic Value Per Share

$-53.09 - $-48.58

Total Value Per Share

$-41.09 - $-36.58

2. Growth of Federal Life Group Inc (5 min.)




Is Federal Life Group Inc growing?

Current yearPrevious yearGrowGrow %
How rich?$43.7m$60m-$16.2m-37.2%

How much money is Federal Life Group Inc making?

Current yearPrevious yearGrowGrow %
Making money-$8.8m-$4.6m-$4.1m-47.5%
Net Profit Margin-45.3%-25.4%--

How much money comes from the company's main activities?

3. Financial Health of Federal Life Group Inc (5 min.)




What can you expect buying and holding a share of Federal Life Group Inc? (5 min.)

Welcome investor! Federal Life Group Inc's management wants to use your money to grow the business. In return you get a share of Federal Life Group Inc.

What can you expect buying and holding a share of Federal Life Group Inc?

First you should know what it really means to hold a share of Federal Life Group Inc. And how you can make/lose money.

Speculation

The Price per Share of Federal Life Group Inc is $8.75. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Federal Life Group Inc.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Federal Life Group Inc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $12.00. Based on the TTM, the Book Value Change Per Share is $-4.55 per quarter. Based on the YOY, the Book Value Change Per Share is $0.22 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.55 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Federal Life Group Inc.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps-2.42-27.6%-2.42-27.6%-1.28-14.6%-1.34-15.3%-1.21-13.8%
Usd Book Value Change Per Share-4.55-52.0%-4.55-52.0%0.222.5%0.546.2%2.0022.9%
Usd Dividend Per Share0.556.3%0.556.3%0.000.0%0.111.3%0.091.0%
Usd Total Gains Per Share-4.00-45.7%-4.00-45.7%0.222.5%0.657.4%2.0923.9%
Usd Price Per Share13.75-13.75-10.75-9.76-8.13-
Price to Earnings Ratio-5.69--5.69--8.43--6.78--5.65-
Price-to-Total Gains Ratio-3.44--3.44-49.11-11.40-11.40-
Price to Book Ratio1.15-1.15-0.65-0.55-0.46-
Price-to-Total Gains Ratio-3.44--3.44-49.11-11.40-11.40-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share8.75
Number of shares114
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.550.11
Usd Book Value Change Per Share-4.550.54
Usd Total Gains Per Share-4.000.65
Gains per Quarter (114 shares)-455.9573.86
Gains per Year (114 shares)-1,823.78295.43
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1250-2073-183450246285
2499-4147-3658100491580
3749-6220-5482150737875
4999-8294-73062009821170
51248-10367-913025012281465
61498-12441-1095430014731760
71748-14514-1277835017192055
81997-16587-1460239919642350
92247-18661-1642644922102645
102496-20734-1825049924552940

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share0.01.00.00.0%0.03.00.00.0%0.05.00.00.0%0.06.00.00.0%0.06.00.00.0%
Book Value Change Per Share0.01.00.00.0%1.02.00.033.3%2.03.00.040.0%3.03.00.050.0%3.03.00.050.0%
Dividend per Share1.00.00.0100.0%1.00.02.033.3%1.00.04.020.0%1.00.05.016.7%1.00.05.016.7%
Total Gains per Share0.01.00.00.0%1.02.00.033.3%2.03.00.040.0%3.03.00.050.0%3.03.00.050.0%

Fundamentals of Federal Life Group Inc

About Federal Life Group Inc

Federal Life Group, Inc., through its subsidiary Federal Life Insurance Company, provides life insurance and annuity products in the United States. It offers whole, term, and universal life insurance, as well as retirement insurance products. The company offers its products through independent agents. Federal Life Group, Inc. was founded in 2018 and is headquartered in Riverwoods, Illinois. Federal Life Group, Inc operates as a subsidiary of Insurance Capital Group, LLC.

Fundamental data was last updated by Penke on 2024-05-16 13:23:04.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge loss.
Using its assets, the company is very inefficient in making profit.
Using its investors money, the company is very inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is expensive.
Based on how much money comes from the company's main activities, the company is expensive.

1.1. Profitability of Federal Life Group Inc.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Federal Life Group Inc earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Federal Life Group Inc to the Insurance - Life industry mean.
  • A Net Profit Margin of -45.3% means that $-0.45 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Federal Life Group Inc:

  • The MRQ is -45.3%. The company is making a huge loss. -2
  • The TTM is -45.3%. The company is making a huge loss. -2
Trends
Current periodCompared to+/- 
MRQ-45.3%TTM-45.3%0.0%
TTM-45.3%YOY-25.4%-19.9%
TTM-45.3%5Y-25.2%-20.2%
5Y-25.2%10Y-22.3%-2.9%
1.1.2. Return on Assets

Shows how efficient Federal Life Group Inc is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Federal Life Group Inc to the Insurance - Life industry mean.
  • -2.9% Return on Assets means that Federal Life Group Inc generated $-0.03 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Federal Life Group Inc:

  • The MRQ is -2.9%. Using its assets, the company is very inefficient in making profit. -2
  • The TTM is -2.9%. Using its assets, the company is very inefficient in making profit. -2
Trends
Current periodCompared to+/- 
MRQ-2.9%TTM-2.9%0.0%
TTM-2.9%YOY-1.5%-1.4%
TTM-2.9%5Y-1.7%-1.3%
5Y-1.7%10Y-1.5%-0.1%
1.1.3. Return on Equity

Shows how efficient Federal Life Group Inc is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Federal Life Group Inc to the Insurance - Life industry mean.
  • -20.1% Return on Equity means Federal Life Group Inc generated $-0.20 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Federal Life Group Inc:

  • The MRQ is -20.1%. Using its investors money, the company is very inefficient in making profit. -2
  • The TTM is -20.1%. Using its investors money, the company is very inefficient in making profit. -2
Trends
Current periodCompared to+/- 
MRQ-20.1%TTM-20.1%0.0%
TTM-20.1%YOY-7.7%-12.4%
TTM-20.1%5Y-10.1%-10.0%
5Y-10.1%10Y-9.4%-0.7%

1.2. Operating Efficiency of Federal Life Group Inc.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Federal Life Group Inc is operating .

  • Measures how much profit Federal Life Group Inc makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Federal Life Group Inc to the Insurance - Life industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Federal Life Group Inc:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y-6.6%+6.6%
5Y-6.6%10Y-6.9%+0.3%
1.2.2. Operating Ratio

Measures how efficient Federal Life Group Inc is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Insurance - Life industry mean).
  • An Operation Ratio of 0.70 means that the operating costs are $0.70 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Federal Life Group Inc:

  • The MRQ is 0.704. The company is efficient in keeping operating costs low. +1
  • The TTM is 0.704. The company is efficient in keeping operating costs low. +1
Trends
Current periodCompared to+/- 
MRQ0.704TTM0.7040.000
TTM0.704YOY0.604+0.100
TTM0.7045Y0.225+0.479
5Y0.22510Y0.128+0.097

1.3. Liquidity of Federal Life Group Inc.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Federal Life Group Inc is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Insurance - Life industry mean).
  • A Current Ratio of 0.00 means the company has $0.00 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Federal Life Group Inc:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y5.244-5.244
5Y5.24410Y4.695+0.549
1.3.2. Quick Ratio

Measures if Federal Life Group Inc is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Federal Life Group Inc to the Insurance - Life industry mean.
  • A Quick Ratio of 0.00 means the company can pay off $0.00 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Federal Life Group Inc:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y9.675-9.675
5Y9.67510Y8.694+0.981

1.4. Solvency of Federal Life Group Inc.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Federal Life Group Inc assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Federal Life Group Inc to Insurance - Life industry mean.
  • A Debt to Asset Ratio of 0.85 means that Federal Life Group Inc assets are financed with 85.4% credit (debt) and the remaining percentage (100% - 85.4%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Federal Life Group Inc:

  • The MRQ is 0.854. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.854. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.854TTM0.8540.000
TTM0.854YOY0.804+0.049
TTM0.8545Y0.669+0.184
5Y0.66910Y0.702-0.033
1.4.2. Debt to Equity Ratio

Measures if Federal Life Group Inc is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Federal Life Group Inc to the Insurance - Life industry mean.
  • A Debt to Equity ratio of 582.7% means that company has $5.83 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Federal Life Group Inc:

  • The MRQ is 5.827. The company is unable to pay all its debts with equity. -1
  • The TTM is 5.827. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ5.827TTM5.8270.000
TTM5.827YOY4.109+1.718
TTM5.8275Y4.245+1.582
5Y4.24510Y4.607-0.362

2. Market Valuation of Federal Life Group Inc

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Federal Life Group Inc generates.

  • Above 15 is considered overpriced but always compare Federal Life Group Inc to the Insurance - Life industry mean.
  • A PE ratio of -5.69 means the investor is paying $-5.69 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Federal Life Group Inc:

  • The EOD is -3.622. Based on the earnings, the company is expensive. -2
  • The MRQ is -5.692. Based on the earnings, the company is expensive. -2
  • The TTM is -5.692. Based on the earnings, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-3.622MRQ-5.692+2.070
MRQ-5.692TTM-5.6920.000
TTM-5.692YOY-8.431+2.739
TTM-5.6925Y-6.779+1.087
5Y-6.77910Y-5.649-1.130
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Federal Life Group Inc:

  • The EOD is -1.907. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -2.997. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -2.997. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-1.907MRQ-2.997+1.090
MRQ-2.997TTM-2.9970.000
TTM-2.997YOY-6.950+3.953
TTM-2.9975Y-4.266+1.270
5Y-4.26610Y-3.555-0.711
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Federal Life Group Inc is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Insurance - Life industry mean).
  • A PB ratio of 1.15 means the investor is paying $1.15 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Federal Life Group Inc:

  • The EOD is 0.729. Based on the equity, the company is cheap. +2
  • The MRQ is 1.146. Based on the equity, the company is underpriced. +1
  • The TTM is 1.146. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD0.729MRQ1.146-0.417
MRQ1.146TTM1.1460.000
TTM1.146YOY0.650+0.496
TTM1.1465Y0.550+0.596
5Y0.55010Y0.458+0.092
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Federal Life Group Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---4.547-4.5470%0.219-2177%0.538-945%2.000-327%
Book Value Per Share--12.00112.0010%16.548-27%25.011-52%22.394-46%
Current Ratio----0%-0%5.244-100%4.695-100%
Debt To Asset Ratio--0.8540.8540%0.804+6%0.669+28%0.702+22%
Debt To Equity Ratio--5.8275.8270%4.109+42%4.245+37%4.607+26%
Dividend Per Share--0.5470.5470%-+100%0.109+400%0.091+500%
Eps---2.416-2.4160%-1.275-47%-1.338-45%-1.209-50%
Free Cash Flow Per Share---4.588-4.5880%-1.547-66%-2.410-47%-2.252-51%
Free Cash Flow To Equity Per Share---3.041-3.0410%0.862-453%1.337-328%1.117-372%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max---48.585--------
Intrinsic Value_10Y_min---53.089--------
Intrinsic Value_1Y_max---2.947--------
Intrinsic Value_1Y_min---3.482--------
Intrinsic Value_3Y_max---10.319--------
Intrinsic Value_3Y_min---12.116--------
Intrinsic Value_5Y_max---19.456--------
Intrinsic Value_5Y_min---22.496--------
Market Cap30889687.500-62%50155077.50050155077.5000%39025176.750+29%35881866.185+40%29901555.154+68%
Net Profit Margin---0.453-0.4530%-0.254-44%-0.252-44%-0.223-51%
Operating Margin----0%-0%-0.0660%-0.0690%
Operating Ratio--0.7040.7040%0.604+17%0.225+213%0.128+449%
Pb Ratio0.729-57%1.1461.1460%0.650+76%0.550+108%0.458+150%
Pe Ratio-3.622+36%-5.692-5.6920%-8.431+48%-6.779+19%-5.649-1%
Price Per Share8.750-57%13.75013.7500%10.750+28%9.759+41%8.132+69%
Price To Free Cash Flow Ratio-1.907+36%-2.997-2.9970%-6.950+132%-4.266+42%-3.555+19%
Price To Total Gains Ratio-2.188+36%-3.438-3.4380%49.110-107%11.404-130%11.404-130%
Quick Ratio----0%-0%9.675-100%8.694-100%
Return On Assets---0.029-0.0290%-0.015-49%-0.017-43%-0.015-48%
Return On Equity---0.201-0.2010%-0.077-62%-0.101-50%-0.094-53%
Total Gains Per Share---4.000-4.0000%0.219-1927%0.648-717%2.091-291%
Usd Book Value--43774000.00043774000.0000%60072000.000-27%94101000.000-53%83894500.000-48%
Usd Book Value Change Per Share---4.547-4.5470%0.219-2177%0.538-945%2.000-327%
Usd Book Value Per Share--12.00112.0010%16.548-27%25.011-52%22.394-46%
Usd Dividend Per Share--0.5470.5470%-+100%0.109+400%0.091+500%
Usd Eps---2.416-2.4160%-1.275-47%-1.338-45%-1.209-50%
Usd Free Cash Flow---16736000.000-16736000.0000%-5615000.000-66%-8805800.000-47%-8199000.000-51%
Usd Free Cash Flow Per Share---4.588-4.5880%-1.547-66%-2.410-47%-2.252-51%
Usd Free Cash Flow To Equity Per Share---3.041-3.0410%0.862-453%1.337-328%1.117-372%
Usd Market Cap30889687.500-62%50155077.50050155077.5000%39025176.750+29%35881866.185+40%29901555.154+68%
Usd Price Per Share8.750-57%13.75013.7500%10.750+28%9.759+41%8.132+69%
Usd Profit---8812000.000-8812000.0000%-4629000.000-47%-4903000.000-44%-4418666.667-50%
Usd Revenue--19434000.00019434000.0000%18189000.000+7%19953600.000-3%20828666.667-7%
Usd Total Gains Per Share---4.000-4.0000%0.219-1927%0.648-717%2.091-291%
 EOD+3 -5MRQTTM+0 -0YOY+6 -265Y+5 -2910Y+6 -28

3.2. Fundamental Score

Let's check the fundamental score of Federal Life Group Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-15-3.622
Price to Book Ratio (EOD)Between0-10.729
Net Profit Margin (MRQ)Greater than0-0.453
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.854
Debt to Equity Ratio (MRQ)Less than15.827
Return on Equity (MRQ)Greater than0.15-0.201
Return on Assets (MRQ)Greater than0.05-0.029
Total2/10 (20.0%)

3.3. Technical Score

Let's check the technical score of Federal Life Group Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5013.834
Ma 20Greater thanMa 508.750
Ma 50Greater thanMa 1008.825
Ma 100Greater thanMa 2008.858
OpenGreater thanClose8.750
Total0/5 (0.0%)



Latest Balance Sheet

Balance Sheet of 2021-12-31. All numbers in thousands.

Summary
Total Assets298,845
Total Liabilities255,071
Total Stockholder Equity43,774
 As reported
Total Liabilities 255,071
Total Stockholder Equity+ 43,774
Total Assets = 298,845

Assets

Total Assets298,845
Total Current Assets23,081
Long-term Assets275,764
Total Current Assets
Cash And Cash Equivalents 12,835
Short-term Investments 4,312
Total Current Assets  (as reported)23,081
Total Current Assets  (calculated)17,147
+/- 5,934
Long-term Assets
Property Plant Equipment 121
Long-term Assets Other 50,497
Long-term Assets  (as reported)275,764
Long-term Assets  (calculated)50,618
+/- 225,146

Liabilities & Shareholders' Equity

Total Current Liabilities0
Long-term Liabilities255,071
Total Stockholder Equity43,774
Total Current Liabilities
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)0
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)255,071
Long-term Liabilities  (calculated)0
+/- 255,071
Total Stockholder Equity
Common Stock36
Retained Earnings 3,157
Accumulated Other Comprehensive Income 5,721
Other Stockholders Equity 34,860
Total Stockholder Equity (as reported)43,774
Total Stockholder Equity (calculated)43,774
+/-0
Other
Cash and Short Term Investments 17,147
Common Stock Shares Outstanding 3,648
Liabilities and Stockholders Equity 298,845
Net Debt -12,835



Balance Sheet

All numbers in thousands.

 Trend2021-12-312020-12-312019-12-312018-12-312017-12-312016-12-31
> Total Assets 
243,735
257,138
279,727
293,205
306,914
298,845
298,845306,914293,205279,727257,138243,735
   > Total Current Assets 
193,878
203,011
227,785
34,838
31,145
23,081
23,08131,14534,838227,785203,011193,878
       Cash And Cash Equivalents 
8,389
4,085
33,252
23,070
20,525
12,835
12,83520,52523,07033,2524,0858,389
       Short-term Investments 
182,807
194,661
190,479
5,490
5,047
4,312
4,3125,0475,490190,479194,661182,807
       Net Receivables 
2,682
4,265
4,054
0
0
0
0004,0544,2652,682
       Other Current Assets 
18,064
12,524
45,255
34,838
31,145
23,081
23,08131,14534,83845,25512,52418,064
   > Long-term Assets 
185,104
196,812
192,609
258,367
275,769
275,764
275,764275,769258,367192,609196,812185,104
       Property Plant Equipment 
2,297
2,151
2,130
176
158
121
1211581762,1302,1512,297
       Long Term Investments 
182,807
194,661
190,479
0
0
0
000190,479194,661182,807
       Intangible Assets 
12
12
14
0
0
0
000141212
       Long-term Assets Other 
-7,803
-5,138
-3,769
34,837
14,378
50,497
50,49714,37834,837-3,769-5,138-7,803
> Total Liabilities 
210,873
225,781
2,641
234,989
246,842
255,071
255,071246,842234,9892,641225,781210,873
   > Total Current Liabilities 
99,440
109,823
9,346
0
0
0
0009,346109,82399,440
       Accounts payable 
99,440
109,823
9,346
0
0
0
0009,346109,82399,440
   > Long-term Liabilities 
1,512
2,949
2,641
234,989
246,842
255,071
255,071246,842234,9892,6412,9491,512
       Deferred Long Term Liability 
315
867
1,348
0
0
0
0001,348867315
> Total Stockholder Equity
32,862
31,357
52,920
58,216
60,072
43,774
43,77460,07258,21652,92031,35732,862
   Common Stock
0
0
35
35
36
36
3636353500
   Retained Earnings 
29,313
26,600
21,774
18,594
13,965
3,157
3,15713,96518,59421,77426,60029,313
   Capital Surplus 000000
   Treasury Stock000000
   Other Stockholders Equity 
3,549
4,757
33,076
33,548
34,342
34,860
34,86034,34233,54833,0764,7573,549



Balance Sheet

All numbers in thousands.




Cash Flow

All numbers in thousands.




Income Statement

All numbers in thousands.


Latest Income Statement (annual, 2021-12-31)

Gross Profit (+$)
totalRevenue19,434
Cost of Revenue-0
Gross Profit19,43419,434
 
Operating Income (+$)
Gross Profit19,434
Operating Expense-13,676
Operating Income05,758
 
Operating Expense (+$)
Research Development0
Selling General Administrative0
Selling And Marketing Expenses0
Operating Expense13,6760
 
Net Interest Income (+$)
Interest Income0
Interest Expense-0
Other Finance Cost-0
Net Interest Income0
 
Pretax Income (+$)
Operating Income0
Net Interest Income0
Other Non-Operating Income Expenses0
Income Before Tax (EBT)-8,7988,798
EBIT - interestExpense = 0
-8,798
-8,812
Interest Expense0
Earnings Before Interest and Taxes (EBIT)0-8,798
Earnings Before Interest and Taxes (EBITDA)167
 
After tax Income (+$)
Income Before Tax-8,798
Tax Provision-0
Net Income From Continuing Ops0-8,798
Net Income-8,812
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses28,232
Total Other Income/Expenses Net-8,7980
 

Technical Analysis of Federal Life Group Inc
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Federal Life Group Inc. The general trend of Federal Life Group Inc is BEARISH with 85.7% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Federal Life Group Inc's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-85.7%) Bearish trend (85.7%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Federal Life Group Inc.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

  • Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: 8.75 < 8.75 < 8.75.

The bearish price targets are: 8.75 > 8.75 > 8.75.

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Federal Life Group Inc Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Federal Life Group Inc. The current mas is .

The long score for the Moving Averages is 1/14.
The longshort score for the Moving Averages is -12/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending down: The MA 100 is trending down. -1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Federal Life Group Inc Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Federal Life Group Inc. The current macd is -0.01603282.

The long score for the Moving Average Convergence/Divergence (MACD) is 3/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 2/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Federal Life Group Inc price going up in the near term. +2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Federal Life Group Inc. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Federal Life Group Inc price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Federal Life Group Inc Daily Moving Average Convergence/Divergence (MACD) ChartFederal Life Group Inc Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Federal Life Group Inc. The current adx is 67.53.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -4/(-7 +7).

  • PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell Federal Life Group Inc shares, leading to potential downward momentum in its price. -1
  • PLUS_ID < MINUS_DI && ADX > 25 && ADX trending up: The ADX is above 25 and indicates a strong bearish trend. The ADX is trending up, so the bearish trend is strengthening.
Federal Life Group Inc Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Federal Life Group Inc. The current sar is 8.995.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Federal Life Group Inc Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Federal Life Group Inc. The current rsi is 13.83. The current phase is Oversold in bear market.

The long score for the Relative Strength Index (RSI) is 1/13.
The longshort score for the Relative Strength Index (RSI) is 1/(-13 +13).

  • Oversold in bear market: Short-term excessive selling, potential for relief rally. Be cautious, consider taking short-term long positions. +1
Federal Life Group Inc Daily Relative Strength Index (RSI) ChartFederal Life Group Inc Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Federal Life Group Inc. The current phase is Oversold in bear market.

The long score for the Stochastic Oscillator is 0/6.
The longshort score for the Stochastic Oscillator is -6/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH < 20: The STOCH %K is below 20 and oversold. -2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Federal Life Group Inc price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Federal Life Group Inc Daily Stochastic Oscillator ChartFederal Life Group Inc Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Federal Life Group Inc. The current cci is 0.

Federal Life Group Inc Daily Commodity Channel Index (CCI) ChartFederal Life Group Inc Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Federal Life Group Inc. The current cmo is -93.92538163.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

  • CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1
Federal Life Group Inc Daily Chande Momentum Oscillator (CMO) ChartFederal Life Group Inc Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Federal Life Group Inc. The current willr is 0.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
Federal Life Group Inc Daily Williams %R ChartFederal Life Group Inc Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Federal Life Group Inc.

Federal Life Group Inc Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Federal Life Group Inc. The current atr is 0.0019925.

Federal Life Group Inc Daily Average True Range (ATR) ChartFederal Life Group Inc Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Federal Life Group Inc. The current obv is -26,150.

Federal Life Group Inc Daily On-Balance Volume (OBV) ChartFederal Life Group Inc Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Federal Life Group Inc. The current mfi is 0.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -2/(-2 +2).

  • MFI < 50: -1
  • MFI < 20: -1
Federal Life Group Inc Daily Money Flow Index (MFI) ChartFederal Life Group Inc Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Federal Life Group Inc.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-12-29DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-19WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-22MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-01-25DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
RSI LONG ENTRY SHORT CLOSE30 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-01-26CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-01-29STOCH LONG EXITThe %K line crosses below the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-01-30ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-05ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-02-08ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-09STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-16WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-29MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-03-01WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-03-04MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-03-13SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-03-28DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-04-17WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-04-18MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-05-15SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside

6.3. Candlestick Patterns

Federal Life Group Inc Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Federal Life Group Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5013.834
Ma 20Greater thanMa 508.750
Ma 50Greater thanMa 1008.825
Ma 100Greater thanMa 2008.858
OpenGreater thanClose8.750
Total0/5 (0.0%)
Penke

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