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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 0.57
FDEF's Cash to Debt is ranked lower than
66% of the 980 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.53 vs. FDEF: 0.57 )
Ranked among companies with meaningful Cash to Debt only.
FDEF' s 10-Year Cash to Debt Range
Min: 0.02  Med: 0.28 Max: 33.78
Current: 0.57
0.02
33.78
Equity to Asset 0.12
FDEF's Equity to Asset is ranked higher than
70% of the 1337 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 10-Year Equity to Asset Range
Min: 0.09  Med: 0.12 Max: 0.25
Current: 0.12
0.09
0.25
Interest Coverage 5.10
FDEF's Interest Coverage is ranked higher than
81% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.62 vs. FDEF: 5.10 )
Ranked among companies with meaningful Interest Coverage only.
FDEF' s 10-Year Interest Coverage Range
Min: 0.18  Med: 0.43 Max: 5.1
Current: 5.1
0.18
5.1
F-Score: 6
WACC vs ROIC
10.50%
8.69%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 34.29
FDEF's Operating margin (%) is ranked higher than
61% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.01 vs. FDEF: 34.29 )
Ranked among companies with meaningful Operating margin (%) only.
FDEF' s 10-Year Operating margin (%) Range
Min: 10.53  Med: 26.11 Max: 43.01
Current: 34.29
10.53
43.01
Net-margin (%) 24.80
FDEF's Net-margin (%) is ranked higher than
61% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.75 vs. FDEF: 24.80 )
Ranked among companies with meaningful Net-margin (%) only.
FDEF' s 10-Year Net-margin (%) Range
Min: 7.68  Med: 20.83 Max: 43.69
Current: 24.8
7.68
43.69
ROE (%) 9.30
FDEF's ROE (%) is ranked higher than
57% of the 1407 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.30 vs. FDEF: 9.30 )
Ranked among companies with meaningful ROE (%) only.
FDEF' s 10-Year ROE (%) Range
Min: 2.24  Med: 8.54 Max: 13.05
Current: 9.3
2.24
13.05
ROA (%) 1.19
FDEF's ROA (%) is ranked higher than
71% of the 1416 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. FDEF: 1.19 )
Ranked among companies with meaningful ROA (%) only.
FDEF' s 10-Year ROA (%) Range
Min: 0.36  Med: 0.96 Max: 1.5
Current: 1.19
0.36
1.5
Revenue Growth (3Y)(%) -0.20
FDEF's Revenue Growth (3Y)(%) is ranked lower than
62% of the 1186 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. FDEF: -0.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FDEF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -15.8  Med: 6.70 Max: 59.6
Current: -0.2
-15.8
59.6
EBITDA Growth (3Y)(%) 8.30
FDEF's EBITDA Growth (3Y)(%) is ranked higher than
53% of the 1046 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. FDEF: 8.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FDEF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -22.9  Med: 8.30 Max: 83.1
Current: 8.3
-22.9
83.1
EPS Growth (3Y)(%) 19.80
FDEF's EPS Growth (3Y)(%) is ranked higher than
72% of the 1055 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.40 vs. FDEF: 19.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FDEF' s 10-Year EPS Growth (3Y)(%) Range
Min: -33.9  Med: 16.00 Max: 47.1
Current: 19.8
-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 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
Q4 2014

FDEF Guru Trades in Q4 2014

Jim Simons 186,925 sh (+6.57%)
Private Capital 18,009 sh (unchged)
» More
Q1 2015

FDEF Guru Trades in Q1 2015

Jim Simons 194,500 sh (+4.05%)
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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 14.75
FDEF's P/E(ttm) is ranked lower than
53% of the 1259 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.20 vs. FDEF: 14.75 )
Ranked among companies with meaningful P/E(ttm) only.
FDEF' s 10-Year P/E(ttm) Range
Min: 5.11  Med: 13.06 Max: 36.81
Current: 14.75
5.11
36.81
Forward P/E 13.76
FDEF's Forward P/E is ranked lower than
65% of the 710 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.18 vs. FDEF: 13.76 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.50
FDEF's PE(NRI) is ranked lower than
53% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.20 vs. FDEF: 14.50 )
Ranked among companies with meaningful PE(NRI) only.
FDEF' s 10-Year PE(NRI) Range
Min: 5.11  Med: 13.04 Max: 36.57
Current: 14.5
5.11
36.57
P/B 1.30
FDEF's P/B is ranked lower than
66% of the 1359 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. FDEF: 1.30 )
Ranked among companies with meaningful P/B only.
FDEF' s 10-Year P/B Range
Min: 0.18  Med: 0.88 Max: 1.48
Current: 1.3
0.18
1.48
P/S 3.69
FDEF's P/S is ranked lower than
64% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. FDEF: 3.69 )
Ranked among companies with meaningful P/S only.
FDEF' s 10-Year P/S Range
Min: 0.41  Med: 2.25 Max: 3.89
Current: 3.69
0.41
3.89
PFCF 17.09
FDEF's PFCF is ranked lower than
70% of the 813 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.28 vs. FDEF: 17.09 )
Ranked among companies with meaningful PFCF only.
FDEF' s 10-Year PFCF Range
Min: 2.12  Med: 9.71 Max: 28.16
Current: 17.09
2.12
28.16
POCF 13.85
FDEF's POCF is ranked lower than
69% of the 923 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.67 vs. FDEF: 13.85 )
Ranked among companies with meaningful POCF only.
FDEF' s 10-Year POCF Range
Min: 1.89  Med: 8.02 Max: 18.1
Current: 13.85
1.89
18.1
EV-to-EBIT 10.87
FDEF's EV-to-EBIT is ranked higher than
65% of the 1271 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.91 vs. FDEF: 10.87 )
Ranked among companies with meaningful EV-to-EBIT only.
FDEF' s 10-Year EV-to-EBIT Range
Min: 6.7  Med: 13.50 Max: 39.9
Current: 10.87
6.7
39.9
PEG 0.81
FDEF's PEG is ranked higher than
63% of the 582 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. FDEF: 0.81 )
Ranked among companies with meaningful PEG only.
FDEF' s 10-Year PEG Range
Min: 0.44  Med: 1.17 Max: 17.8
Current: 0.81
0.44
17.8
Shiller P/E 23.50
FDEF's Shiller P/E is ranked lower than
72% of the 769 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.77 vs. FDEF: 23.50 )
Ranked among companies with meaningful Shiller P/E only.
FDEF' s 10-Year Shiller P/E Range
Min: 2.3  Med: 12.69 Max: 23.55
Current: 23.5
2.3
23.55
Days Sales Outstanding 24.53
FDEF's Days Sales Outstanding is ranked higher than
70% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 33.80 vs. FDEF: 24.53 )
Ranked among companies with meaningful Days Sales Outstanding only.
FDEF' s 10-Year Days Sales Outstanding Range
Min: 19.75  Med: 34.53 Max: 82.58
Current: 24.53
19.75
82.58

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.81
FDEF's Dividend Yield is ranked lower than
68% of the 2216 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 vs. FDEF: 1.81 )
Ranked among companies with meaningful Dividend Yield only.
FDEF' s 10-Year Dividend Yield Range
Min: 0.29  Med: 2.48 Max: 26.42
Current: 1.81
0.29
26.42
Dividend Payout 0.25
FDEF's Dividend Payout is ranked higher than
66% of the 1297 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. FDEF: 0.25 )
Ranked among companies with meaningful Dividend Payout only.
FDEF' s 10-Year Dividend Payout Range
Min: 0.09  Med: 0.41 Max: 6.5
Current: 0.25
0.09
6.5
Dividend growth (3y) 132.10
FDEF's Dividend growth (3y) is ranked higher than
99% of the 664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. FDEF: 132.10 )
Ranked among companies with meaningful Dividend growth (3y) only.
FDEF' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 9.10 Max: 132.1
Current: 132.1
0
132.1
Yield on cost (5-Year) 1.81
FDEF's Yield on cost (5-Year) is ranked lower than
72% of the 2229 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.07 vs. FDEF: 1.81 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FDEF' s 10-Year Yield on cost (5-Year) Range
Min: 0.29  Med: 2.48 Max: 26.42
Current: 1.81
0.29
26.42
Share Buyback Rate -1.50
FDEF's Share Buyback Rate is ranked higher than
53% of the 1010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. FDEF: -1.50 )
Ranked among companies with meaningful Share Buyback Rate only.
FDEF' s 10-Year Share Buyback Rate Range
Min: 12.6  Med: -2.30 Max: -7.7
Current: -1.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.79
FDEF's Price/Tangible Book is ranked lower than
77% of the 1337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. FDEF: 1.79 )
Ranked among companies with meaningful Price/Tangible Book only.
FDEF' s 10-Year Price/Tangible Book Range
Min: 0.38  Med: 1.08 Max: 1.8
Current: 1.79
0.38
1.8
Price/Projected FCF 0.72
FDEF's Price/Projected FCF is ranked lower than
52% of the 749 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. FDEF: 0.72 )
Ranked among companies with meaningful Price/Projected FCF only.
FDEF' s 10-Year Price/Projected FCF Range
Min: 0.16  Med: 0.49 Max: 101.59
Current: 0.72
0.16
101.59
Price/Median PS Value 1.64
FDEF's Price/Median PS Value is ranked lower than
90% of the 1195 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. FDEF: 1.64 )
Ranked among companies with meaningful Price/Median PS Value only.
FDEF' s 10-Year Price/Median PS Value Range
Min: 0.26  Med: 1.27 Max: 6.41
Current: 1.64
0.26
6.41
Price/Peter Lynch Fair Value 0.76
FDEF's Price/Peter Lynch Fair Value is ranked higher than
65% of the 336 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.97 vs. FDEF: 0.76 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FDEF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.23  Med: 0.81 Max: 2.62
Current: 0.76
0.23
2.62
Price/Graham Number 1.05
FDEF's Price/Graham Number is ranked lower than
66% of the 1086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. FDEF: 1.05 )
Ranked among companies with meaningful Price/Graham Number only.
FDEF' s 10-Year Price/Graham Number Range
Min: 0.3  Med: 0.84 Max: 1.44
Current: 1.05
0.3
1.44
Earnings Yield (Greenblatt) (%) 9.15
FDEF's Earnings Yield (Greenblatt) (%) is ranked higher than
68% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. FDEF: 9.15 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FDEF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.5  Med: 7.40 Max: 14.9
Current: 9.15
2.5
14.9
Forward Rate of Return (Yacktman) (%) 27.76
FDEF's Forward Rate of Return (Yacktman) (%) is ranked higher than
74% of the 764 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.55 vs. FDEF: 27.76 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FDEF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -16.1  Med: 9.80 Max: 38.8
Current: 27.76
-16.1
38.8

Analyst Estimate

Dec15 Dec16
EPS($) 2.76 2.82
EPS without NRI($) 2.76 2.82

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.

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