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18.35 (1y: +29%)
Market Cap 45.9 M P/E(ttm) 19.00
Enterprise Value 45.9 M P/B 0.90
FFCO- NAS (USA)
FedFirst Financial Corporation
Not Rated
Top Ranked Predictable Companies
$18.35
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 0.121
FFCO's Cash to Debt is ranked higher than
57% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.42 vs. FFCO: 0.121 )
FFCO' s 10-Year Cash to Debt Range
Min: 0.05   Max: 0.3
Current: 0.12
0.05
0.3
Equity to Asset 0.167
FFCO's Equity to Asset is ranked higher than
88% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. FFCO: 0.167 )
FFCO' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.18
Current: 0.17
0.07
0.18
Interest Coverage No Debt
FFCO's Interest Coverage is ranked higher than
78% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10000.00 vs. FFCO: No Debt )
FFCO' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.39
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 25.70
FFCO's Operating margin (%) is ranked higher than
70% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.80 vs. FFCO: 25.70 )
FFCO' s 10-Year Operating margin (%) Range
Min: -37.7   Max: 25.7
Current: 25.7
-37.7
25.7
Net-margin (%) 16.4
FFCO's Net-margin (%) is ranked higher than
66% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.70 vs. FFCO: 16.4 )
FFCO' s 10-Year Net-margin (%) Range
Min: -26.3   Max: 16.4
Current: 16.4
-26.3
16.4
ROE (%) 4.2
FFCO's ROE (%) is ranked higher than
62% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.20 vs. FFCO: 4.2 )
FFCO' s 10-Year ROE (%) Range
Min: -5.5   Max: 4.2
Current: 4.2
-5.5
4.2
ROA (%) 0.7
FFCO's ROA (%) is ranked higher than
70% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.50 vs. FFCO: 0.7 )
FFCO' s 10-Year ROA (%) Range
Min: -0.6   Max: 0.7
Current: 0.7
-0.6
0.7
Revenue Growth (%) 2.9
FFCO's Revenue Growth (%) is ranked higher than
83% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. FFCO: 2.9 )
FFCO' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 14.8
Current: 2.9
0
14.8
EBITDA Growth (%) 26.4
FFCO's EBITDA Growth (%) is ranked higher than
95% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. FFCO: 26.4 )
FFCO' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 26.4
Current: 26.4
0
26.4
EPS Growth (%) 43.2
FFCO's EPS Growth (%) is ranked higher than
97% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. FFCO: 43.2 )
FFCO' s 10-Year EPS Growth (%) Range
Min: 0   Max: 119.1
Current: 43.2
0
119.1
ยป FFCO's 10-Y Financials

Financials


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

» Details

Guru Trades
Q3 2011

FFCO Guru Trades in Q3 2011

Third Avenue Management 232,032 sh (unchged)
Martin Whitman 232,032 sh (unchged)
» More
Q4 2011

FFCO Guru Trades in Q4 2011

Third Avenue Management 232,032 sh (unchged)
Martin Whitman 232,032 sh (unchged)
» More
Q1 2012

FFCO Guru Trades in Q1 2012

Third Avenue Management Sold Out
» More
2012

FFCO Guru Trades in 2012

Martin Whitman Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with FFCO

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Martin Whitman 2012-04-30 Sold Out 0.1%$13.58 - $14 $ 18.3533%0
Premium More recent guru trades are included for Premium Members only!!
ยป Financial Charts

Peter Lynch Chart

Ratios

vs
industry		 vs
history
P/E(ttm) 19.00
FFCO's P/E(ttm) is ranked lower than
54% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.60 vs. FFCO: 19.00 )
FFCO' s 10-Year P/E(ttm) Range
Min: 17.43   Max: 201.13
Current: 19
17.43
201.13
P/B 0.90
FFCO's P/B is ranked higher than
71% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.97 vs. FFCO: 0.90 )
FFCO' s 10-Year P/B Range
Min: 0.46   Max: 4.03
Current: 0.9
0.46
4.03
P/S 3.50
FFCO's P/S is ranked lower than
52% of the 1433 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.33 vs. FFCO: 3.50 )
FFCO' s 10-Year P/S Range
Min: 1.47   Max: 9.93
Current: 3.5
1.47
9.93
PFCF 39.90
FFCO's PFCF is ranked lower than
69% of the 1087 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.38 vs. FFCO: 39.90 )
FFCO' s 10-Year PFCF Range
Min: 0.66   Max: 94.61
Current: 39.9
0.66
94.61
EV-to-EBIT 11.5
FFCO's EV-to-EBIT is ranked higher than
75% of the 1102 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.26 vs. FFCO: 11.5 )
FFCO' s 10-Year EV-to-EBIT Range
Min: 9.2   Max: 11616.3
Current: 11.5
9.2
11616.3
Shiller P/E 177
FFCO's Shiller P/E is ranked lower than
100% of the Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: vs. FFCO: 177 )
FFCO' s 10-Year Shiller P/E Range
Min: 168.4   Max: 195
Current: 177
168.4
195

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 0.98
FFCO's Dividend Yield is ranked lower than
60% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. FFCO: 0.98 )
FFCO' s 10-Year Dividend Yield Range
Min: 0.21   Max: 0.95
Current: 0.98
0.21
0.95
Dividend Payout 0.1669
FFCO's Dividend Payout is ranked higher than
81% of the 951 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.30 vs. FFCO: 0.1669 )
FFCO' s 10-Year Dividend Payout Range
Min: 0.14   Max: 0.41
Current: 0.17
0.14
0.41
Yield on cost (5-Year) 1.00
FFCO's Yield on cost (5-Year) is ranked lower than
52% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.26 vs. FFCO: 1.00 )
FFCO' s 10-Year Yield on cost (5-Year) Range
Min: 0.21   Max: 0.95
Current: 1
0.21
0.95
Share Buyback Rate 0.7
FFCO's Share Buyback Rate is ranked higher than
96% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -0.20 vs. FFCO: 0.7 )
FFCO' s 10-Year Share Buyback Rate Range
Min: 0   Max: -0.8
Current: 0.7

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.9
FFCO's Price/Tangible Book is ranked higher than
78% of the 1191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. FFCO: 0.9 )
FFCO' s 10-Year Price/Tangible Book Range
Min: 0.5   Max: 1.5
Current: 0.9
0.5
1.5
Price/DCF (Projected) 0.3
FFCO's Price/DCF (Projected) is ranked higher than
90% of the 679 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. FFCO: 0.3 )
FFCO' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.3
Current: 0.3
0.2
0.3
Price/Median PS Value 1.1
FFCO's Price/Median PS Value is ranked higher than
60% of the 1268 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. FFCO: 1.1 )
FFCO' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 2.5
Current: 1.1
0.5
2.5
Price/Graham Number 1
FFCO's Price/Graham Number is ranked higher than
55% of the 1094 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. FFCO: 1 )
FFCO' s 10-Year Price/Graham Number Range
Min: 0.9   Max: 3.6
Current: 1
0.9
3.6
Earnings Yield (Greenblatt) 8.70
FFCO's Earnings Yield (Greenblatt) is ranked higher than
84% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.10 vs. FFCO: 8.70 )
FFCO' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 10.9
Current: 8.7
0.1
10.9
Forward Rate of Return (Yacktman) 4.25
FFCO's Forward Rate of Return (Yacktman) is ranked higher than
72% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. FFCO: 4.25 )
FFCO' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1.7   Max: 86.5
Current: 4.25
-1.7
86.5

Business Description

FedFirst Financial Corporation is a federally chartered holding company established in 1999 to be the holding company for First Federal Savings Bank. Its wholly owned subsidiaries are First Federal Savings Bank and FedFirst Exchange Corporation. FFEC has an 80% controlling interest in Exchange Underwriters, Inc., which is a full-service, independent insurance agency that offers property and casualty, commercial liability, surety and other insurance products. First Federal Savings Bank operates as a community-oriented financial institution offering residential, multi-family and commercial mortgages, consumer loans and commercial business loans as well as a variety of deposit products for individuals and businesses from nine locations in southwestern Pennsylvania. First Federal conducts insurance brokerage activities through Exchange Underwriters, Inc. Its lending activity is the origination of mortgage loans to enable borrowers to purchase or refinance existing homes located in the greater Pittsburgh metropolitan area. It offers fixed and adjustable rate mortgage loans with terms up to 30 years. It offers a variety of fixed and adjustable rate mortgage loans secured by commercial property and multi-family real estate. It originates loans to individuals to finance the construction of residential dwellings. The Company's consumer loans include home equity lines of credit, home equity installment loans, loans on savings accounts, and personal lines of credit and installment loans. Its nine banking offices are located in Fayette, Washington and Westmoreland counties, which is located in the southern suburban area of metropolitan Pittsburgh. The Company faces competition for the attraction of deposits and origination of loans. As a savings and loan holding company, FedFirst Financial is required by federal law to report to, and otherwise comply with the rules and regulations of, the Federal Reserve Board ("FRB"). The Bank, as an insured federal savings association, is subject to extensive regulation, examination and supervision by the OCC, as its primary federal regulator, and the Federal Deposit Insurance Corporation ("FDIC"), as the insurer of its deposits.
Company Website
SEC Reports
Industry: Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG
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