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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.63
FDEF's Cash to Debt is ranked higher than
69% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. FDEF: 0.63 )
FDEF' s 10-Year Cash to Debt Range
Min: 0.02   Max: 33.78
Current: 0.63

0.02
33.78
Equity to Asset 0.13
FDEF's Equity to Asset is ranked higher than
87% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. FDEF: 0.13 )
FDEF' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.25
Current: 0.13

0.09
0.25
Interest Coverage 4.40
FDEF's Interest Coverage is ranked higher than
89% of the 1845 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. FDEF: 4.40 )
FDEF' s 10-Year Interest Coverage Range
Min: 0.18   Max: 4.4
Current: 4.4

0.18
4.4
F-Score: 6
Z-Score: 0.33
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 32.48
FDEF's Operating margin (%) is ranked higher than
79% of the 2032 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.47 vs. FDEF: 32.48 )
FDEF' s 10-Year Operating margin (%) Range
Min: 10.53   Max: 46.11
Current: 32.48

10.53
46.11
Net-margin (%) 23.21
FDEF's Net-margin (%) is ranked higher than
78% of the 2032 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.42 vs. FDEF: 23.21 )
FDEF' s 10-Year Net-margin (%) Range
Min: 7.68   Max: 43.69
Current: 23.21

7.68
43.69
ROE (%) 8.40
FDEF's ROE (%) is ranked higher than
75% of the 2042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.60 vs. FDEF: 8.40 )
FDEF' s 10-Year ROE (%) Range
Min: 3.09   Max: 13.05
Current: 8.4

3.09
13.05
ROA (%) 1.08
FDEF's ROA (%) is ranked higher than
85% of the 2045 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. FDEF: 1.08 )
FDEF' s 10-Year ROA (%) Range
Min: 0.36   Max: 1.5
Current: 1.08

0.36
1.5
ROC (Joel Greenblatt) (%) 82.41
FDEF's ROC (Joel Greenblatt) (%) is ranked higher than
77% of the 2013 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 77.18 vs. FDEF: 82.41 )
FDEF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 5.46   Max: 263.49
Current: 82.41

5.46
263.49
Revenue Growth (3Y)(%) -7.00
FDEF's Revenue Growth (3Y)(%) is ranked higher than
59% of the 1748 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. FDEF: -7.00 )
FDEF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -15.8   Max: 59.6
Current: -7

-15.8
59.6
EBITDA Growth (3Y)(%) 23.90
FDEF's EBITDA Growth (3Y)(%) is ranked higher than
90% of the 1569 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. FDEF: 23.90 )
FDEF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -22.9   Max: 83.1
Current: 23.9

-22.9
83.1
EPS Growth (3Y)(%) 42.90
FDEF's EPS Growth (3Y)(%) is ranked higher than
95% of the 1550 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. FDEF: 42.90 )
FDEF' s 10-Year EPS Growth (3Y)(%) Range
Min: -33.9   Max: 47.1
Current: 42.9

-33.9
47.1
» FDEF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2013

FDEF Guru Trades in Q4 2013

Jim Simons 158,200 sh (+13.49%)
Private Capital 18,809 sh (-4.54%)
» More
Q1 2014

FDEF Guru Trades in Q1 2014

Jim Simons 170,916 sh (+8.04%)
Private Capital 18,659 sh (-0.8%)
» More
Q2 2014

FDEF Guru Trades in Q2 2014

Jim Simons 169,100 sh (-1.06%)
Private Capital 18,009 sh (-3.48%)
» More
Q3 2014

FDEF Guru Trades in Q3 2014

Jim Simons 175,400 sh (+3.73%)
Private Capital 18,009 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with FDEF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Private Capital 2012-12-31 Reduce -44.51%0.03%$15.99 - $18.48 $ 32.3487%25252
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.40
FDEF's P/E(ttm) is ranked higher than
82% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.00 vs. FDEF: 14.40 )
FDEF' s 10-Year P/E(ttm) Range
Min: 5.11   Max: 36.81
Current: 14.4

5.11
36.81
P/B 1.10
FDEF's P/B is ranked higher than
79% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. FDEF: 1.10 )
FDEF' s 10-Year P/B Range
Min: 0.18   Max: 1.48
Current: 1.1

0.18
1.48
P/S 3.30
FDEF's P/S is ranked higher than
76% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.59 vs. FDEF: 3.30 )
FDEF' s 10-Year P/S Range
Min: 0.41   Max: 3.89
Current: 3.3

0.41
3.89
PFCF 13.20
FDEF's PFCF is ranked higher than
83% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FDEF: 13.20 )
FDEF' s 10-Year PFCF Range
Min: 2.12   Max: 28.16
Current: 13.2

2.12
28.16
EV-to-EBIT 10.07
FDEF's EV-to-EBIT is ranked higher than
88% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.57 vs. FDEF: 10.07 )
FDEF' s 10-Year EV-to-EBIT Range
Min: 6.7   Max: 39.9
Current: 10.07

6.7
39.9
PEG 0.65
FDEF's PEG is ranked higher than
94% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FDEF: 0.65 )
FDEF' s 10-Year PEG Range
Min: 0.44   Max: 17.8
Current: 0.65

0.44
17.8
Shiller P/E 22.20
FDEF's Shiller P/E is ranked higher than
83% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FDEF: 22.20 )
FDEF' s 10-Year Shiller P/E Range
Min: 2.32   Max: 22.2
Current: 22.2

2.32
22.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.90
FDEF's Dividend Yield is ranked lower than
57% of the 1880 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.31 vs. FDEF: 1.90 )
FDEF' s 10-Year Dividend Yield Range
Min: 0.29   Max: 26.42
Current: 1.9

0.29
26.42
Dividend Payout 0.24
FDEF's Dividend Payout is ranked higher than
83% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.61 vs. FDEF: 0.24 )
FDEF' s 10-Year Dividend Payout Range
Min: 0.09   Max: 6.5
Current: 0.24

0.09
6.5
Yield on cost (5-Year) 1.90
FDEF's Yield on cost (5-Year) is ranked lower than
60% of the 1893 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.58 vs. FDEF: 1.90 )
FDEF' s 10-Year Yield on cost (5-Year) Range
Min: 0.29   Max: 26.42
Current: 1.9

0.29
26.42
Share Buyback Rate -7.70
FDEF's Share Buyback Rate is ranked higher than
61% of the 1479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. FDEF: -7.70 )
FDEF' s 10-Year Share Buyback Rate Range
Min: 12.6   Max: -7.7
Current: -7.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
FDEF's Price/Tangible Book is ranked higher than
73% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. FDEF: 1.50 )
FDEF' s 10-Year Price/Tangible Book Range
Min: 0.38   Max: 1.79
Current: 1.5

0.38
1.79
Price/DCF (Projected) 0.60
FDEF's Price/DCF (Projected) is ranked higher than
87% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.17 vs. FDEF: 0.60 )
FDEF' s 10-Year Price/DCF (Projected) Range
Min: 0.16   Max: 101.59
Current: 0.6

0.16
101.59
Price/Median PS Value 1.50
FDEF's Price/Median PS Value is ranked higher than
67% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.22 vs. FDEF: 1.50 )
FDEF' s 10-Year Price/Median PS Value Range
Min: 0.26   Max: 6.38
Current: 1.5

0.26
6.38
Price/Peter Lynch Fair Value 0.60
FDEF's Price/Peter Lynch Fair Value is ranked higher than
96% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FDEF: 0.60 )
FDEF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.23   Max: 2.62
Current: 0.6

0.23
2.62
Price/Graham Number 1.00
FDEF's Price/Graham Number is ranked higher than
80% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. FDEF: 1.00 )
FDEF' s 10-Year Price/Graham Number Range
Min: 0.3   Max: 1.43
Current: 1

0.3
1.43
Earnings Yield (Greenblatt) 9.80
FDEF's Earnings Yield (Greenblatt) is ranked higher than
86% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. FDEF: 9.80 )
FDEF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.5   Max: 14.9
Current: 9.8

2.5
14.9
Forward Rate of Return (Yacktman) 33.14
FDEF's Forward Rate of Return (Yacktman) is ranked higher than
86% of the 1250 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.90 vs. FDEF: 33.14 )
FDEF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -36.8   Max: 38.8
Current: 33.14

-36.8
38.8

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
First Defiance Financial Corp was incorporated in Ohio in June 1995. The Company is a unitary thrift holding company that, through its subsidiaries, First Federal Bank of the Midwest, First Insurance Group of the Midwest, Inc., and First Defiance Risk Management Inc., engaged in traditional banking and property and casualty, life and group health insurance products. Its activities include originating and servicing residential, commercial, and consumer loans and providing various depository services. Its activities consist mainly of selling property and casualty, life and group health insurance products. The Company operates as a locally oriented, community-based financial services organization, augmented by experienced, centralized support in select critical areas. The Company's core business operations are conducted through the following Subsidiaries; First Federal Bank of the Midwest, First Insurance Group of the Midwest and First Defiance Risk Management. First Federal conducts operations through 26 full service banking center offices in Allen, Defiance, Fulton, Hancock, Henry, Lucas, Ottawa, Paulding, Putnam, Seneca, Williams and Wood counties in northwest Ohio, 1 full service banking center office in Allen County in northeast Indiana and 5 full service banking center offices in Lenawee County in southeast Michigan. First Federal is mainly engaged in community banking. It attracts deposits from the general public through its offices and uses those and other available sources of funds to originate residential real estate loans, non-residential real estate loans, commercial loans, home improvement and home equity loans and consumer loans. In addition, First Federal invests in U.S. Treasury and federal government agency obligations, obligations of the State of Ohio and its political subdivisions, mortgage-backed securities that are issued by federal agencies, including real estate mortgage investment conduits and collateralized mortgage obligations, and corporate bonds. First Insurance Group of the Midwest is an insurance agency that conducts business in the Defiance, Maumee, Oregon, Bryan and Bowling Green, Ohio areas. First Insurance offers property and casualty insurance, life insurance and group health insurance. First Defiance Risk Management is a wholly-owned insurance company subsidiary of the Company to insure the Company and its subsidiaries against certain risks unique to the operations of the Company and for which insurance may not be currently available or economically feasible in today's insurance marketplace. The Company competes with local financial institutions and commercial banks with banking center offices in the Company's market area. The Company is subject to regulation, examination and oversight by the Office of the Comptroller of the Currency and the Federal Reserve Board.
» More Articles for FDEF

Headlines

Articles On GuruFocus.com
First Defiance Financial Corp. Reports Operating Results (10-Q) Nov 02 2010 
First Defiance Financial Corp. Reports Operating Results (10-Q) Aug 06 2010 
First Defiance Financial Corp. Reports Operating Results (10-Q) May 05 2010 
First Defiance Financial Corp. Reports Operating Results (10-Q) Nov 09 2009 
First Defiance Financial Corp. Reports Operating Results (10-Q) Aug 10 2009 
First Defiance Financial Corp. Reports Operating Results (10-Q) May 11 2009 
Corrected News Release - Change to Dividend Payment Date; First Defiance Financial Corp. Announces Q Dec 16 2008 
First Defiance Financial Corp. Announces Quarterly Dividend Dec 16 2008 
First Defiance Financial Corp. (FDEF) Files Amended Quarterly Report for the Period Ended on 2008-09 Dec 15 2008 

More From Other Websites
First Defiance Financial Corp. to Release Fourth Quarter Earnings on January 19 and Host Conference... Dec 09 2014
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FIRST DEFIANCE FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Jul 28 2014
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First Defiance Financial Corp. Announces 2014 First Quarter Earnings Apr 21 2014

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