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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 0.62
FDEF's Cash to Debt is ranked higher than
68% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. FDEF: 0.62 )
FDEF' s 10-Year Cash to Debt Range
Min: 0.05   Max: 1.28
Current: 0.62

0.05
1.28
Equity to Asset 0.13
FDEF's Equity to Asset is ranked higher than
84% of the 1588 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 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
91% of the 1357 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 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
76% of the 1462 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.05 vs. FDEF: 32.10 )
FDEF' s 10-Year Operating margin (%) Range
Min: 10.53   Max: 46.11
Current: 32.1

10.53
46.11
Net-margin (%) 22.65
FDEF's Net-margin (%) is ranked higher than
77% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.57 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 1554 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.99 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
83% of the 1563 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
75% of the 1437 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 78.30 vs. FDEF: 81.65 )
FDEF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 3.62   Max: 356
Current: 81.65

3.62
356
Revenue Growth (%) -7.00
FDEF's Revenue Growth (%) is ranked higher than
58% of the 1284 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
87% of the 1124 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 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
93% of the 1103 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.50 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

Q1 2013

FDEF Guru Trades in Q1 2013

Jim Simons 92,600 sh (+30.61%)
Private Capital 21,554 sh (-14.64%)
» More
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
» 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) 12.30
FDEF's P/E(ttm) is ranked higher than
76% of the 1451 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.60 vs. FDEF: 12.30 )
FDEF' s 10-Year P/E(ttm) Range
Min: 5.11   Max: 36.81
Current: 12.3

5.11
36.81
P/B 1.00
FDEF's P/B is ranked higher than
69% of the 1479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. FDEF: 1.00 )
FDEF' s 10-Year P/B Range
Min: 0.18   Max: 1.48
Current: 1

0.18
1.48
P/S 2.80
FDEF's P/S is ranked higher than
56% of the 1638 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.80 vs. FDEF: 2.80 )
FDEF' s 10-Year P/S Range
Min: 0.41   Max: 3.89
Current: 2.8

0.41
3.89
PFCF 7.30
FDEF's PFCF is ranked higher than
59% of the 940 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. FDEF: 7.30 )
FDEF' s 10-Year PFCF Range
Min: 2.12   Max: 18.1
Current: 7.3

2.12
18.1
EV-to-EBIT 10.20
FDEF's EV-to-EBIT is ranked higher than
84% of the 1447 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.51 vs. FDEF: 10.20 )
FDEF' s 10-Year EV-to-EBIT Range
Min: 6.5   Max: 39.9
Current: 10.2

6.5
39.9
PEG 0.60
FDEF's PEG is ranked higher than
79% of the 848 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. FDEF: 0.60 )
FDEF' s 10-Year PEG Range
Min: 0.32   Max: 10.07
Current: 0.6

0.32
10.07
Shiller P/E 20.20
FDEF's Shiller P/E is ranked higher than
54% of the 841 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.71 vs. FDEF: 20.20 )
FDEF' s 10-Year Shiller P/E Range
Min: 2.32   Max: 21.11
Current: 20.2

2.32
21.11

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.70
FDEF's Dividend Yield is ranked lower than
66% of the 1312 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.40 vs. FDEF: 1.70 )
FDEF' s 10-Year Dividend Yield Range
Min: 0.29   Max: 26.42
Current: 1.7

0.29
26.42
Dividend Payout 0.18
FDEF's Dividend Payout is ranked higher than
83% of the 1147 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.31 vs. FDEF: 0.18 )
FDEF' s 10-Year Dividend Payout Range
Min: 0.04   Max: 1.33
Current: 0.18

0.04
1.33
Yield on cost (5-Year) 1.70
FDEF's Yield on cost (5-Year) is ranked lower than
66% of the 1327 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.66 vs. FDEF: 1.70 )
FDEF' s 10-Year Yield on cost (5-Year) Range
Min: 0.29   Max: 26.42
Current: 1.7

0.29
26.42
Share Buyback Rate -7.70
FDEF's Share Buyback Rate is ranked higher than
59% of the 1170 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.70 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 1.30
FDEF's Price/Tangible Book is ranked higher than
62% of the 1380 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. FDEF: 1.30 )
FDEF' s 10-Year Price/Tangible Book Range
Min: 0.52   Max: 1.79
Current: 1.3

0.52
1.79
Price/DCF (Projected) 0.60
FDEF's Price/DCF (Projected) is ranked higher than
64% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. FDEF: 0.60 )
FDEF' s 10-Year Price/DCF (Projected) Range
Min: 0.17   Max: 2.1
Current: 0.6

0.17
2.1
Price/Median PS Value 1.30
FDEF's Price/Median PS Value is ranked lower than
59% of the 1493 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. FDEF: 1.30 )
FDEF' s 10-Year Price/Median PS Value Range
Min: 0.34   Max: 2.55
Current: 1.3

0.34
2.55
Price/Peter Lynch Fair Value 0.70
FDEF's Price/Peter Lynch Fair Value is ranked higher than
70% of the 440 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. FDEF: 0.70 )
FDEF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.25   Max: 2.44
Current: 0.7

0.25
2.44
Price/Graham Number 0.80
FDEF's Price/Graham Number is ranked higher than
69% of the 1365 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. FDEF: 0.80 )
FDEF' s 10-Year Price/Graham Number Range
Min: 0.39   Max: 1.48
Current: 0.8

0.39
1.48
Earnings Yield (Greenblatt) 9.80
FDEF's Earnings Yield (Greenblatt) is ranked higher than
85% of the 1411 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. FDEF: 9.80 )
FDEF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.5   Max: 15.5
Current: 9.8

2.5
15.5
Forward Rate of Return (Yacktman) 27.40
FDEF's Forward Rate of Return (Yacktman) is ranked higher than
85% of the 1102 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.77 vs. FDEF: 27.40 )
FDEF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -26   Max: 61.6
Current: 27.4

-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.

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