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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 0.52
FDEF's Cash to Debt is ranked lower than
66% of the 1088 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. FDEF: 0.52 )
Ranked among companies with meaningful Cash to Debt only.
FDEF' s Cash to Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.28 Max: 33.78
Current: 0.52
0.02
33.78
Equity to Asset 0.12
FDEF's Equity to Asset is ranked higher than
70% of the 1578 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: 0.25
Current: 0.12
0.09
0.25
Interest Coverage 5.58
FDEF's Interest Coverage is ranked higher than
83% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.82 vs. FDEF: 5.58 )
Ranked among companies with meaningful Interest Coverage only.
FDEF' s Interest Coverage Range Over the Past 10 Years
Min: 0.26  Med: 0.57 Max: 5.1
Current: 5.58
0.26
5.1
F-Score: 6
WACC vs ROIC
8.54%
8.30%
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 (%) 35.74
FDEF's Operating margin (%) is ranked higher than
62% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.86 vs. FDEF: 35.74 )
Ranked among companies with meaningful Operating margin (%) only.
FDEF' s Operating margin (%) Range Over the Past 10 Years
Min: 10.53  Med: 27.00 Max: 33.58
Current: 35.74
10.53
33.58
Net-margin (%) 24.96
FDEF's Net-margin (%) is ranked higher than
59% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.37 vs. FDEF: 24.96 )
Ranked among companies with meaningful Net-margin (%) only.
FDEF' s Net-margin (%) Range Over the Past 10 Years
Min: 7.68  Med: 18.50 Max: 23.97
Current: 24.96
7.68
23.97
ROE (%) 9.52
FDEF's ROE (%) is ranked higher than
62% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. FDEF: 9.52 )
Ranked among companies with meaningful ROE (%) only.
FDEF' s ROE (%) Range Over the Past 10 Years
Min: 2.24  Med: 7.56 Max: 10.03
Current: 9.52
2.24
10.03
ROA (%) 1.19
FDEF's ROA (%) is ranked higher than
73% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. FDEF: 1.19 )
Ranked among companies with meaningful ROA (%) only.
FDEF' s ROA (%) Range Over the Past 10 Years
Min: 0.36  Med: 0.90 Max: 1.13
Current: 1.19
0.36
1.13
Revenue Growth (3Y)(%) -0.20
FDEF's Revenue Growth (3Y)(%) is ranked lower than
61% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. FDEF: -0.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FDEF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -15.8  Med: 6.35 Max: 59.6
Current: -0.2
-15.8
59.6
EBITDA Growth (3Y)(%) 8.30
FDEF's EBITDA Growth (3Y)(%) is ranked higher than
56% of the 1167 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. FDEF: 8.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FDEF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -22.9  Med: 6.95 Max: 83.1
Current: 8.3
-22.9
83.1
EPS Growth (3Y)(%) 19.80
FDEF's EPS Growth (3Y)(%) is ranked higher than
75% of the 1165 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. FDEF: 19.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FDEF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -33.8  Med: 17.80 Max: 47.1
Current: 19.8
-33.8
47.1
» FDEF's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q2 2015

FDEF Guru Trades in Q2 2015

Jim Simons 203,834 sh (+4.80%)
Private Capital 18,009 sh (unchged)
» More
Q3 2015

FDEF Guru Trades in Q3 2015

Jim Simons 271,700 sh (+33.29%)
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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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.60
FDEF's P/E(ttm) is ranked lower than
57% of the 1403 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.40 vs. FDEF: 13.60 )
Ranked among companies with meaningful P/E(ttm) only.
FDEF' s P/E(ttm) Range Over the Past 10 Years
Min: 5.11  Med: 12.99 Max: 36.81
Current: 13.6
5.11
36.81
Forward P/E 12.53
FDEF's Forward P/E is ranked lower than
72% of the 703 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.52 vs. FDEF: 12.53 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.60
FDEF's PE(NRI) is ranked lower than
57% of the 1401 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.40 vs. FDEF: 13.60 )
Ranked among companies with meaningful PE(NRI) only.
FDEF' s PE(NRI) Range Over the Past 10 Years
Min: 5.11  Med: 12.99 Max: 36.57
Current: 13.6
5.11
36.57
P/B 1.23
FDEF's P/B is ranked lower than
71% of the 1542 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.99 vs. FDEF: 1.23 )
Ranked among companies with meaningful P/B only.
FDEF' s P/B Range Over the Past 10 Years
Min: 0.18  Med: 0.88 Max: 1.46
Current: 1.23
0.18
1.46
P/S 3.43
FDEF's P/S is ranked lower than
63% of the 1605 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.81 vs. FDEF: 3.43 )
Ranked among companies with meaningful P/S only.
FDEF' s P/S Range Over the Past 10 Years
Min: 0.41  Med: 2.25 Max: 3.83
Current: 3.43
0.41
3.83
PFCF 13.15
FDEF's PFCF is ranked lower than
69% of the 937 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.36 vs. FDEF: 13.15 )
Ranked among companies with meaningful PFCF only.
FDEF' s PFCF Range Over the Past 10 Years
Min: 2.12  Med: 9.71 Max: 28.16
Current: 13.15
2.12
28.16
POCF 11.86
FDEF's POCF is ranked lower than
73% of the 1036 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.10 vs. FDEF: 11.86 )
Ranked among companies with meaningful POCF only.
FDEF' s POCF Range Over the Past 10 Years
Min: 1.89  Med: 8.02 Max: 18.1
Current: 11.86
1.89
18.1
EV-to-EBIT 10.52
FDEF's EV-to-EBIT is ranked higher than
62% of the 1384 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.68 vs. FDEF: 10.52 )
Ranked among companies with meaningful EV-to-EBIT only.
FDEF' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.1  Med: 11.00 Max: 31.5
Current: 10.52
4.1
31.5
EV-to-EBITDA 9.14
FDEF's EV-to-EBITDA is ranked higher than
64% of the 1383 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.31 vs. FDEF: 9.14 )
Ranked among companies with meaningful EV-to-EBITDA only.
FDEF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3  Med: 9.40 Max: 27.7
Current: 9.14
3
27.7
PEG 0.76
FDEF's PEG is ranked higher than
58% of the 618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. FDEF: 0.76 )
Ranked among companies with meaningful PEG only.
FDEF' s PEG Range Over the Past 10 Years
Min: 0.33  Med: 0.78 Max: 14.44
Current: 0.76
0.33
14.44
Shiller P/E 20.78
FDEF's Shiller P/E is ranked lower than
69% of the 520 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.90 vs. FDEF: 20.78 )
Ranked among companies with meaningful Shiller P/E only.
FDEF' s Shiller P/E Range Over the Past 10 Years
Min: 2.11  Med: 11.07 Max: 23.39
Current: 20.78
2.11
23.39

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.06
FDEF's Dividend Yield is ranked lower than
70% of the 2412 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. FDEF: 2.06 )
Ranked among companies with meaningful Dividend Yield only.
FDEF' s Dividend Yield Range Over the Past 10 Years
Min: 0.29  Med: 2.24 Max: 26.42
Current: 2.06
0.29
26.42
Dividend Payout 0.27
FDEF's Dividend Payout is ranked higher than
63% of the 1441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. FDEF: 0.27 )
Ranked among companies with meaningful Dividend Payout only.
FDEF' s Dividend Payout Range Over the Past 10 Years
Min: 0.09  Med: 0.37 Max: 6.5
Current: 0.27
0.09
6.5
Dividend Growth (3y) 132.10
FDEF's Dividend Growth (3y) is ranked higher than
99% of the 730 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.00 vs. FDEF: 132.10 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FDEF' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 8.40 Max: 132.1
Current: 132.1
0
132.1
Forward Dividend Yield 2.13
FDEF's Forward Dividend Yield is ranked lower than
73% of the 2191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.26 vs. FDEF: 2.13 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.05
FDEF's Yield on cost (5-Year) is ranked lower than
72% of the 2446 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.42 vs. FDEF: 2.05 )
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: 0.29  Med: 2.25 Max: 26.42
Current: 2.05
0.29
26.42
3-Year Average Share Buyback Ratio -1.50
FDEF's 3-Year Average Share Buyback Ratio is ranked higher than
51% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. FDEF: -1.50 )
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: -7.7  Med: -3.05 Max: 12.6
Current: -1.5
-7.7
12.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.66
FDEF's Price/Tangible Book is ranked lower than
81% of the 1534 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.07 vs. FDEF: 1.66 )
Ranked among companies with meaningful Price/Tangible Book only.
FDEF' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.38  Med: 1.11 Max: 1.8
Current: 1.66
0.38
1.8
Price/Projected FCF 0.67
FDEF's Price/Projected FCF is ranked lower than
56% of the 850 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.63 vs. FDEF: 0.67 )
Ranked among companies with meaningful Price/Projected FCF only.
FDEF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.16  Med: 0.52 Max: 101.59
Current: 0.67
0.16
101.59
Price/Median PS Value 1.52
FDEF's Price/Median PS Value is ranked lower than
92% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.98 vs. FDEF: 1.52 )
Ranked among companies with meaningful Price/Median PS Value only.
FDEF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.26  Med: 1.27 Max: 6.41
Current: 1.52
0.26
6.41
Price/Peter Lynch Fair Value 0.79
FDEF's Price/Peter Lynch Fair Value is ranked higher than
55% of the 429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. FDEF: 0.79 )
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: 0.23  Med: 0.77 Max: 2.62
Current: 0.79
0.23
2.62
Price/Graham Number 1.01
FDEF's Price/Graham Number is ranked lower than
72% of the 1277 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.77 vs. FDEF: 1.01 )
Ranked among companies with meaningful Price/Graham Number only.
FDEF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.35  Med: 0.86 Max: 1.54
Current: 1.01
0.35
1.54
Earnings Yield (Greenblatt) (%) 9.50
FDEF's Earnings Yield (Greenblatt) (%) is ranked higher than
66% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. FDEF: 9.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FDEF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.2  Med: 9.10 Max: 24.2
Current: 9.5
3.2
24.2
Forward Rate of Return (Yacktman) (%) 26.00
FDEF's Forward Rate of Return (Yacktman) (%) is ranked higher than
69% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. FDEF: 26.00 )
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: -10.3  Med: 13.10 Max: 38.4
Current: 26
-10.3
38.4

More Statistics

Revenue(Mil) $106
EPS $ 2.76
Beta0.90
Short Percentage of Float1.81%
52-Week Range $31.26 - 42.46
Shares Outstanding(Mil)9.17

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil)
EPS($) 2.83 2.80 3.00
EPS without NRI($) 2.83 2.80 3.00

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
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 : February 1,... Feb 01 2016
First Defiance Financial Corp. Announces Share Repurchase Program Jan 29 2016
FIRST DEFIANCE FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Jan 29 2016
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Edited Transcript of FDEF earnings conference call or presentation 19-Jan-16 4:00pm GMT Jan 19 2016
FIRST DEFIANCE FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Jan 19 2016
First Defiance beats 4Q profit forecasts Jan 18 2016
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Q4 2015 First Defiance Financial Corp Earnings Release - After Market Close Jan 18 2016
First Defiance Financial Corp. to Release Fourth Quarter Earnings on January 18 and Host Conference... Dec 18 2015
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First Defiance Financial (FDEF): Hedge Funds Are Snapping Up Dec 12 2015
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