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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 0.58
FDEF's Cash to Debt is ranked lower than
72% of the 1610 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.14 vs. FDEF: 0.58 )
Ranked among companies with meaningful Cash to Debt only.
FDEF' s Cash to Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.22 Max: 0.98
Current: 0.58
0.05
0.98
Equity to Asset 0.12
FDEF's Equity to Asset is ranked higher than
69% of the 1614 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. FDEF: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
FDEF' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.12 Max: 0.18
Current: 0.12
0.09
0.18
Interest Coverage 4.93
FDEF's Interest Coverage is ranked higher than
80% of the 1610 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.66 vs. FDEF: 4.93 )
Ranked among companies with meaningful Interest Coverage only.
FDEF' s Interest Coverage Range Over the Past 10 Years
Min: 0.26  Med: 1.76 Max: 5.58
Current: 4.93
0.26
5.58
F-Score: 5
M-Score: -2.56
WACC vs ROIC
7.75%
7.90%
WACC
ROIC
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 : 8/10

vs
industry
vs
history
Operating margin (%) 36.82
FDEF's Operating margin (%) is ranked higher than
64% of the 1627 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.10 vs. FDEF: 36.82 )
Ranked among companies with meaningful Operating margin (%) only.
FDEF' s Operating margin (%) Range Over the Past 10 Years
Min: 10.53  Med: 27.29 Max: 36.82
Current: 36.82
10.53
36.82
Net-margin (%) 25.44
FDEF's Net-margin (%) is ranked higher than
59% of the 1625 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.46 vs. FDEF: 25.44 )
Ranked among companies with meaningful Net-margin (%) only.
FDEF' s Net-margin (%) Range Over the Past 10 Years
Min: 7.68  Med: 18.85 Max: 25.53
Current: 25.44
7.68
25.53
ROE (%) 10.03
FDEF's ROE (%) is ranked higher than
62% of the 1623 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.50 vs. FDEF: 10.03 )
Ranked among companies with meaningful ROE (%) only.
FDEF' s ROE (%) Range Over the Past 10 Years
Min: 2.24  Med: 7.56 Max: 10.06
Current: 10.03
2.24
10.06
ROA (%) 1.20
FDEF's ROA (%) is ranked higher than
70% of the 1632 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. FDEF: 1.20 )
Ranked among companies with meaningful ROA (%) only.
FDEF' s ROA (%) Range Over the Past 10 Years
Min: 0.36  Med: 0.9 Max: 1.21
Current: 1.2
0.36
1.21
Revenue Growth (3Y)(%) 8.90
FDEF's Revenue Growth (3Y)(%) is ranked higher than
71% of the 1366 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 vs. FDEF: 8.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FDEF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -15.8  Med: 6 Max: 22.5
Current: 8.9
-15.8
22.5
EBITDA Growth (3Y)(%) 7.60
FDEF's EBITDA Growth (3Y)(%) is ranked higher than
57% of the 1264 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.20 vs. FDEF: 7.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FDEF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -22.9  Med: 7.6 Max: 38.7
Current: 7.6
-22.9
38.7
EPS Growth (3Y)(%) 13.40
FDEF's EPS Growth (3Y)(%) is ranked higher than
67% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. FDEF: 13.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FDEF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -33.9  Med: 15.9 Max: 47.1
Current: 13.4
-33.9
47.1
GuruFocus has detected 4 Warning Signs with First Defiance Financial Corp $FDEF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» FDEF's 10-Y Financials

Financials (Next Earnings Date: 2017-04-19)


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

» Details

Guru Trades

Q1 2016

FDEF Guru Trades in Q1 2016

Jim Simons 294,500 sh (+0.79%)
Private Capital 16,987 sh (-2.58%)
» More
Q2 2016

FDEF Guru Trades in Q2 2016

Jeremy Grantham 13,300 sh (New)
Jim Simons 291,400 sh (-1.05%)
Private Capital 14,912 sh (-12.22%)
» More
Q3 2016

FDEF Guru Trades in Q3 2016

Jeremy Grantham Sold Out
Private Capital 14,012 sh (-6.04%)
Jim Simons 267,200 sh (-8.30%)
» More
Q4 2016

FDEF Guru Trades in Q4 2016

Jim Simons 285,195 sh (+6.73%)
Private Capital 10,337 sh (-26.23%)
» 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%)

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:BKMU, NAS:UCFC, NAS:EBTC, NAS:CSBK, NAS:BSF, NAS:WSBF, NAS:TBNK, OTCPK:NASB, NAS:BFIN, NAS:SMBC, NAS:HBCP, NAS:HONE, OTCPK:BBXTB, NAS:GCBC, NAS:FNWB, NAS:ESSA, NAS:LSBG, NAS:ICBK, NAS:SIFI, NAS:HMST » details
First Defiance Financial Corp is a unitary thrift holding company which, through its subsidiaries, is engaged in traditional banking and property and casualty, life and group health insurance products.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 15.75
FDEF's P/E(ttm) is ranked lower than
57% of the 1585 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.23 vs. FDEF: 15.75 )
Ranked among companies with meaningful P/E(ttm) only.
FDEF' s P/E(ttm) Range Over the Past 10 Years
Min: 5.17  Med: 12.97 Max: 37.83
Current: 15.75
5.17
37.83
PE(NRI) 15.75
FDEF's PE(NRI) is ranked lower than
56% of the 1517 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.53 vs. FDEF: 15.75 )
Ranked among companies with meaningful PE(NRI) only.
FDEF' s PE(NRI) Range Over the Past 10 Years
Min: 5.17  Med: 12.97 Max: 36.57
Current: 15.75
5.17
36.57
Price/Owner Earnings (ttm) 16.43
FDEF's Price/Owner Earnings (ttm) is ranked lower than
55% of the 868 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.84 vs. FDEF: 16.43 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FDEF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.87  Med: 11.96 Max: 37.65
Current: 16.43
4.87
37.65
P/B 1.52
FDEF's P/B is ranked lower than
68% of the 1683 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. FDEF: 1.52 )
Ranked among companies with meaningful P/B only.
FDEF' s P/B Range Over the Past 10 Years
Min: 0.18  Med: 0.89 Max: 1.56
Current: 1.52
0.18
1.56
P/S 3.98
FDEF's P/S is ranked lower than
61% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.44 vs. FDEF: 3.98 )
Ranked among companies with meaningful P/S only.
FDEF' s P/S Range Over the Past 10 Years
Min: 0.41  Med: 2.26 Max: 4.07
Current: 3.98
0.41
4.07
PFCF 30.11
FDEF's PFCF is ranked lower than
83% of the 868 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.80 vs. FDEF: 30.11 )
Ranked among companies with meaningful PFCF only.
FDEF' s PFCF Range Over the Past 10 Years
Min: 2.11  Med: 9.72 Max: 30.6
Current: 30.11
2.11
30.6
POCF 27.75
FDEF's POCF is ranked lower than
84% of the 933 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.53 vs. FDEF: 27.75 )
Ranked among companies with meaningful POCF only.
FDEF' s POCF Range Over the Past 10 Years
Min: 1.87  Med: 8.06 Max: 28.19
Current: 27.75
1.87
28.19
EV-to-EBIT 12.53
FDEF's EV-to-EBIT is ranked lower than
51% of the 1281 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 vs. FDEF: 12.53 )
Ranked among companies with meaningful EV-to-EBIT only.
FDEF' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.1  Med: 10.9 Max: 31.5
Current: 12.53
4.1
31.5
EV-to-EBITDA 11.32
FDEF's EV-to-EBITDA is ranked higher than
50% of the 1295 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.35 vs. FDEF: 11.32 )
Ranked among companies with meaningful EV-to-EBITDA only.
FDEF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3  Med: 9.4 Max: 27.6
Current: 11.32
3
27.6
PEG 1.80
FDEF's PEG is ranked lower than
58% of the 793 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.44 vs. FDEF: 1.80 )
Ranked among companies with meaningful PEG only.
FDEF' s PEG Range Over the Past 10 Years
Min: 0.33  Med: 0.78 Max: 11.15
Current: 1.8
0.33
11.15
Shiller P/E 25.61
FDEF's Shiller P/E is ranked lower than
60% of the 489 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.50 vs. FDEF: 25.61 )
Ranked among companies with meaningful Shiller P/E only.
FDEF' s Shiller P/E Range Over the Past 10 Years
Min: 2.13  Med: 11.51 Max: 26.02
Current: 25.61
2.13
26.02

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.82
FDEF's Dividend Yield is ranked lower than
69% of the 2302 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.67 vs. FDEF: 1.82 )
Ranked among companies with meaningful Dividend Yield only.
FDEF' s Dividend Yield Range Over the Past 10 Years
Min: 0.29  Med: 1.9 Max: 26.42
Current: 1.82
0.29
26.42
Dividend Payout 0.21
FDEF's Dividend Payout is ranked higher than
75% of the 1292 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. FDEF: 0.21 )
Ranked among companies with meaningful Dividend Payout only.
FDEF' s Dividend Payout Range Over the Past 10 Years
Min: 0.04  Med: 0.26 Max: 1.33
Current: 0.21
0.04
1.33
Dividend Growth (3y) 18.20
FDEF's Dividend Growth (3y) is ranked higher than
73% of the 766 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.70 vs. FDEF: 18.20 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FDEF' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 9.1 Max: 132.1
Current: 18.2
0
132.1
Forward Dividend Yield 2.00
FDEF's Forward Dividend Yield is ranked lower than
68% of the 2243 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.84 vs. FDEF: 2.00 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 21.92
FDEF's Yield on cost (5-Year) is ranked higher than
97% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.34 vs. FDEF: 21.92 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FDEF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 3.49  Med: 22.89 Max: 318.25
Current: 21.92
3.49
318.25
3-Year Average Share Buyback Ratio 2.60
FDEF's 3-Year Average Share Buyback Ratio is ranked higher than
93% of the 1063 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.10 vs. FDEF: 2.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FDEF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -6.2  Med: -3.4 Max: 7
Current: 2.6
-6.2
7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.04
FDEF's Price/Tangible Book is ranked lower than
78% of the 1680 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.23 vs. FDEF: 2.04 )
Ranked among companies with meaningful Price/Tangible Book only.
FDEF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.52  Med: 1.26 Max: 2.07
Current: 2.04
0.52
2.07
Price/Projected FCF 0.83
FDEF's Price/Projected FCF is ranked higher than
51% of the 911 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. FDEF: 0.83 )
Ranked among companies with meaningful Price/Projected FCF only.
FDEF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.19  Med: 0.54 Max: 2.93
Current: 0.83
0.19
2.93
Price/Median PS Value 1.77
FDEF's Price/Median PS Value is ranked lower than
88% of the 1545 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. FDEF: 1.77 )
Ranked among companies with meaningful Price/Median PS Value only.
FDEF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.33  Med: 1.22 Max: 5.42
Current: 1.77
0.33
5.42
Price/Peter Lynch Fair Value 1.56
FDEF's Price/Peter Lynch Fair Value is ranked lower than
65% of the 438 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. FDEF: 1.56 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FDEF' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.25  Med: 0.79 Max: 2.02
Current: 1.56
0.25
2.02
Price/Graham Number 1.19
FDEF's Price/Graham Number is ranked lower than
66% of the 1465 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. FDEF: 1.19 )
Ranked among companies with meaningful Price/Graham Number only.
FDEF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.44  Med: 0.96 Max: 1.46
Current: 1.19
0.44
1.46
Earnings Yield (Greenblatt) (%) 8.01
FDEF's Earnings Yield (Greenblatt) (%) is ranked higher than
62% of the 1696 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.70 vs. FDEF: 8.01 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FDEF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.2  Med: 9.1 Max: 24.2
Current: 8.01
3.2
24.2
Forward Rate of Return (Yacktman) (%) 15.75
FDEF's Forward Rate of Return (Yacktman) (%) is ranked higher than
64% of the 893 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.05 vs. FDEF: 15.75 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FDEF' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -2.6  Med: 18.4 Max: 38
Current: 15.75
-2.6
38

More Statistics

Revenue (TTM) (Mil) $113.0
EPS (TTM) $ 3.17
Beta0.84
Short Percentage of Float1.36%
52-Week Range $34.80 - 52.31
Shares Outstanding (Mil)8.98

Analyst Estimate

Dec17
Revenue (Mil $)
EPS ($) 3.25
EPS w/o NRI ($) 3.25
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.94
» More Articles for FDEF

Headlines

Articles On GuruFocus.com
Private Capital Management's Stocks trading with low P/E Ratio. Jul 27 2015 
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 
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. breached its 50 day moving average in a Bullish Manner : FDEF-US :... Feb 20 2017
First Defiance Financial Corp. breached its 50 day moving average in a Bearish Manner : FDEF-US :... Jan 31 2017
First Defiance Financial Corp. :FDEF-US: Earnings Analysis: Q4, 2016 By the Numbers : January 25,... Jan 25 2017
Edited Transcript of FDEF earnings conference call or presentation 24-Jan-17 4:00pm GMT Jan 24 2017
FIRST DEFIANCE FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 24 2017
First Defiance posts 4Q profit Jan 23 2017
First Defiance posts 4Q profit Jan 23 2017
First Defiance Financial Corp. Reports Record Full Year Earnings of $3.19 Per Share for 2016, Up... Jan 23 2017
Q4 2016 First Defiance Financial Corp Earnings Release - After Market Close Jan 23 2017
First Defiance Financial Corp. breached its 50 day moving average in a Bearish Manner : FDEF-US :... Jan 18 2017
First Defiance Financial Corp. : FDEF-US: Dividend Analysis : November 11th, 2016 (record date) : By... Jan 10 2017
Should You Buy Green Bancorp Inc (GNBC)? Dec 16 2016
Should You Buy First Defiance Financial (FDEF)? Dec 14 2016
First Defiance Financial Corp. Receives Regulatory Approval for Proposed Merger Dec 13 2016
First Defiance Financial Corp. to Release Fourth Quarter Earnings on January 23 and Host Conference... Dec 01 2016
FIRST DEFIANCE FINANCIAL CORP Financials Nov 16 2016
ETFs with exposure to First Defiance Financial Corp. : November 15, 2016 Nov 15 2016
First Defiance Financial Corp. breached its 50 day moving average in a Bullish Manner : FDEF-US :... Nov 14 2016
FIRST DEFIANCE FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 07 2016
ETF’s with exposure to First Defiance Financial Corp. : November 4, 2016 Nov 04 2016

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