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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 0.72
FDEF's Cash to Debt is ranked higher than
67% of the 1259 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. FDEF: 0.72 )
FDEF' s 10-Year Cash to Debt Range
Min: 0.02   Max: 33.78
Current: 0.72

0.02
33.78
Equity to Asset 0.13
FDEF's Equity to Asset is ranked higher than
87% of the 1649 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
90% of the 1447 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 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: 4
Z-Score: 0.29
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 : 5/10

vs
industry
vs
history
Operating margin (%) 32.10
FDEF's Operating margin (%) is ranked higher than
78% of the 1594 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.40 vs. FDEF: 32.10 )
FDEF' s 10-Year Operating margin (%) Range
Min: 10.53   Max: 43.01
Current: 32.1

10.53
43.01
Net-margin (%) 22.65
FDEF's Net-margin (%) is ranked higher than
77% of the 1613 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.45 vs. FDEF: 22.65 )
FDEF' s 10-Year Net-margin (%) Range
Min: 7.68   Max: 43.69
Current: 22.65

7.68
43.69
ROE (%) 8.17
FDEF's ROE (%) is ranked higher than
75% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.13 vs. FDEF: 8.17 )
FDEF' s 10-Year ROE (%) Range
Min: 3.07   Max: 12.55
Current: 8.17

3.07
12.55
ROA (%) 1.04
FDEF's ROA (%) is ranked higher than
84% of the 1616 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. FDEF: 1.04 )
FDEF' s 10-Year ROA (%) Range
Min: 0.35   Max: 1.71
Current: 1.04

0.35
1.71
ROC (Joel Greenblatt) (%) 81.65
FDEF's ROC (Joel Greenblatt) (%) is ranked higher than
77% of the 1569 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.85 vs. FDEF: 81.65 )
FDEF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 3.62   Max: 131.75
Current: 81.65

3.62
131.75
Revenue Growth (%) -7.00
FDEF's Revenue Growth (%) is ranked higher than
58% of the 1443 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. FDEF: -7.00 )
FDEF' s 10-Year Revenue Growth (%) Range
Min: -15.8   Max: 59.6
Current: -7

-15.8
59.6
EBITDA Growth (%) 23.90
FDEF's EBITDA Growth (%) is ranked higher than
90% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. FDEF: 23.90 )
FDEF' s 10-Year EBITDA Growth (%) Range
Min: -22.9   Max: 83.1
Current: 23.9

-22.9
83.1
EPS Growth (%) 42.90
FDEF's EPS Growth (%) is ranked higher than
94% of the 1283 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. FDEF: 42.90 )
FDEF' s 10-Year EPS Growth (%) 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

Q2 2013

FDEF Guru Trades in Q2 2013

Jim Simons 119,500 sh (+29.05%)
Private Capital 21,554 sh (unchged)
» More
Q3 2013

FDEF Guru Trades in Q3 2013

Jim Simons 139,400 sh (+16.65%)
Private Capital 19,704 sh (-8.58%)
» More
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
» Details

Insider Trades

Latest Guru Trades with FDEF



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.70
FDEF's P/E(ttm) is ranked higher than
82% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.40 vs. FDEF: 12.70 )
FDEF' s 10-Year P/E(ttm) Range
Min: 5.11   Max: 36.81
Current: 12.7

5.11
36.81
P/B 0.96
FDEF's P/B is ranked higher than
81% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. FDEF: 0.96 )
FDEF' s 10-Year P/B Range
Min: 0.18   Max: 1.48
Current: 0.96

0.18
1.48
P/S 2.87
FDEF's P/S is ranked higher than
73% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. FDEF: 2.87 )
FDEF' s 10-Year P/S Range
Min: 0.41   Max: 3.89
Current: 2.87

0.41
3.89
PFCF 10.26
FDEF's PFCF is ranked higher than
76% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 26.04 vs. FDEF: 10.26 )
FDEF' s 10-Year PFCF Range
Min: 2.12   Max: 18.1
Current: 10.26

2.12
18.1
EV-to-EBIT 9.03
FDEF's EV-to-EBIT is ranked higher than
89% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.36 vs. FDEF: 9.03 )
FDEF' s 10-Year EV-to-EBIT Range
Min: 6.7   Max: 39.9
Current: 9.03

6.7
39.9
PEG 0.58
FDEF's PEG is ranked higher than
91% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. FDEF: 0.58 )
FDEF' s 10-Year PEG Range
Min: 0.32   Max: 10.07
Current: 0.58

0.32
10.07
Shiller P/E 20.30
FDEF's Shiller P/E is ranked higher than
83% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 98.15 vs. FDEF: 20.30 )
FDEF' s 10-Year Shiller P/E Range
Min: 2.3   Max: 21.46
Current: 20.3

2.3
21.46

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.83
FDEF's Dividend Yield is ranked lower than
61% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.43 vs. FDEF: 1.83 )
FDEF' s 10-Year Dividend Yield Range
Min: 0.29   Max: 26.42
Current: 1.83

0.29
26.42
Dividend Payout 0.30
FDEF's Dividend Payout is ranked higher than
86% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FDEF: 0.30 )
FDEF' s 10-Year Dividend Payout Range
Min: -4.25   Max: 6.5
Current: 0.3

-4.25
6.5
Yield on cost (5-Year) 1.90
FDEF's Yield on cost (5-Year) is ranked lower than
60% of the 1367 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.63 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
60% of the 1242 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 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 1.31
FDEF's Price/Tangible Book is ranked higher than
72% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.35 vs. FDEF: 1.31 )
FDEF' s 10-Year Price/Tangible Book Range
Min: 0.38   Max: 1.79
Current: 1.31

0.38
1.79
Price/DCF (Projected) 0.55
FDEF's Price/DCF (Projected) is ranked higher than
88% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. FDEF: 0.55 )
FDEF' s 10-Year Price/DCF (Projected) Range
Min: 0.14   Max: 8.47
Current: 0.55

0.14
8.47
Price/Median PS Value 1.28
FDEF's Price/Median PS Value is ranked higher than
62% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. FDEF: 1.28 )
FDEF' s 10-Year Price/Median PS Value Range
Min: 0.26   Max: 6.41
Current: 1.28

0.26
6.41
Price/Peter Lynch Fair Value 0.66
FDEF's Price/Peter Lynch Fair Value is ranked higher than
94% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FDEF: 0.66 )
FDEF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.23   Max: 2.44
Current: 0.66

0.23
2.44
Price/Graham Number 0.84
FDEF's Price/Graham Number is ranked higher than
81% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. FDEF: 0.84 )
FDEF' s 10-Year Price/Graham Number Range
Min: 0.3   Max: 1.43
Current: 0.84

0.3
1.43
Earnings Yield (Greenblatt) 11.10
FDEF's Earnings Yield (Greenblatt) is ranked higher than
86% of the 1588 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. FDEF: 11.10 )
FDEF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.5   Max: 14.9
Current: 11.1

2.5
14.9
Forward Rate of Return (Yacktman) 29.20
FDEF's Forward Rate of Return (Yacktman) is ranked higher than
85% of the 1260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.98 vs. FDEF: 29.20 )
FDEF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -26   Max: 61.6
Current: 29.2

-26
61.6

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
First Defiance Financial Corporation was incorporated in Ohio in June of 1995. It is a unitary thrift holding company which conducts business through its subsidiaries, First Federal Bank of the Midwest (First Federal) and First Insurance and Investments (First Insurance). The Company focuses on traditional banking and property and casualty, life and group health insurance products. Its traditional banking activities include originating and servicing residential, commercial, and consumer loans and providing a range of depository services. The Company's insurance activities consist of commissions relating to the sale of property and casualty, life and group health insurance and investment products. First Federal is a federally chartered stock savings bank that provides financial services to communities based in northwest Ohio, northeast Indiana, and southeastern Michigan where it operates over 33 full service banking centers in 12 northwest Ohio counties, 1 northeast Indiana county, and 1 southeastern Michigan counties. It is mainly engaged in attracting deposits from the general public through its offices and using those and other available sources of funds to originate loans mainly in the counties in which its offices are located. First Federal provides a range of financial services including checking accounts, savings accounts, certificates of deposit, real estate mortgage loans, commercial loans, consumer loans, home equity loans and trust and wealth management services through its branch network. First Insurance is an insurance agency that does business in the Defiance and Bowling Green, Ohio areas offering property and casualty, and group health, and life insurance products. It sells a number of property and casualty, group health and life, and individual health and life insurance products. Insurance products are sold through its offices in Defiance and Bowling Green, Ohio.
» 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 Files SEC form 8-K, Change in Directors or Principal Officers,... Jul 24 2014
First Defiance Financial Corp. to Present at Annual Keefe, Bruyette & Woods Community Bank Investor... Jul 23 2014
First Defiance Financial Corp. to Present at Annual Keefe, Bruyette & Woods Community Bank Investor... Jul 23 2014
First Defiance Financial Corp. Announces Appointment of Charles D. Niehaus to Its Board of Directors Jul 22 2014
First Defiance Financial Corp. Announces Appointment of Charles D. Niehaus to Its Board of Directors Jul 22 2014
FIRST DEFIANCE FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 22 2014
First Defiance Financial Corp. Announces 2014 Second Quarter Earnings Jul 21 2014
First Defiance Financial Corp. Announces 2014 Second Quarter Earnings Jul 21 2014

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