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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 0.10
FFCO's Cash to Debt is ranked higher than
50% of the 1353 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. FFCO: 0.10 )
FFCO' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 0.1

Equity to Asset 0.15
FFCO's Equity to Asset is ranked higher than
92% of the 1739 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. FFCO: 0.15 )
FFCO' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.18
Current: 0.15

0.06
0.18
Interest Coverage 1.30
FFCO's Interest Coverage is ranked higher than
68% of the 1607 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. FFCO: 1.30 )
FFCO' s 10-Year Interest Coverage Range
Min: 0.03   Max: 1.3
Current: 1.3

0.03
1.3
F-Score: 5
Z-Score: 0.28
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 : 7/10

vs
industry
vs
history
Operating margin (%) 12.53
FFCO's Operating margin (%) is ranked higher than
56% of the 1765 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 28.49 vs. FFCO: 12.53 )
FFCO' s 10-Year Operating margin (%) Range
Min: -47.41   Max: 25.65
Current: 12.53

-47.41
25.65
Net-margin (%) 7.71
FFCO's Net-margin (%) is ranked higher than
54% of the 1772 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.32 vs. FFCO: 7.71 )
FFCO' s 10-Year Net-margin (%) Range
Min: -30.74   Max: 16.35
Current: 7.71

-30.74
16.35
ROE (%) 2.16
FFCO's ROE (%) is ranked higher than
54% of the 1779 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.43 vs. FFCO: 2.16 )
FFCO' s 10-Year ROE (%) Range
Min: -5.16   Max: 4.26
Current: 2.16

-5.16
4.26
ROA (%) 0.35
FFCO's ROA (%) is ranked higher than
59% of the 1779 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. FFCO: 0.35 )
FFCO' s 10-Year ROA (%) Range
Min: -0.66   Max: 0.7
Current: 0.35

-0.66
0.7
ROC (Joel Greenblatt) (%) 107.22
FFCO's ROC (Joel Greenblatt) (%) is ranked higher than
82% of the 1746 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 72.81 vs. FFCO: 107.22 )
FFCO' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -178.32   Max: 191.72
Current: 107.22

-178.32
191.72
Revenue Growth (%) 11.20
FFCO's Revenue Growth (%) is ranked higher than
92% of the 1528 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. FFCO: 11.20 )
FFCO' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 24.7
Current: 11.2

0
24.7
EBITDA Growth (%) 39.70
FFCO's EBITDA Growth (%) is ranked higher than
95% of the 1376 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. FFCO: 39.70 )
FFCO' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 39.7
Current: 39.7

0
39.7
EPS Growth (%) 63.00
FFCO's EPS Growth (%) is ranked higher than
97% of the 1375 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.80 vs. FFCO: 63.00 )
FFCO' s 10-Year EPS Growth (%) Range
Min: -97.5   Max: 193.7
Current: 63

-97.5
193.7
» FFCO's 10-Y Financials

Financials


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

» Details

Guru Trades

FFCO Guru Trades in

FFCO Guru Trades in

FFCO Guru Trades in

2012

FFCO Guru Trades in 2012

Martin Whitman Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with FFCO

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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 $ 21.6557%0
Premium More recent guru trades are included for Premium Members only!!
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Ratios

vs
industry
vs
history
P/E(ttm) 46.40
FFCO's P/E(ttm) is ranked higher than
58% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.00 vs. FFCO: 46.40 )
FFCO' s 10-Year P/E(ttm) Range
Min: 17.43   Max: 786.52
Current: 46.4

17.43
786.52
P/B 1.00
FFCO's P/B is ranked higher than
79% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. FFCO: 1.00 )
FFCO' s 10-Year P/B Range
Min: 0.48   Max: 1.58
Current: 1

0.48
1.58
P/S 3.50
FFCO's P/S is ranked higher than
68% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. FFCO: 3.50 )
FFCO' s 10-Year P/S Range
Min: 1.64   Max: 12.31
Current: 3.5

1.64
12.31
PFCF 18.30
FFCO's PFCF is ranked higher than
74% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 227.00 vs. FFCO: 18.30 )
FFCO' s 10-Year PFCF Range
Min: 0.41   Max: 97.92
Current: 18.3

0.41
97.92
EV-to-EBIT 50.32
FFCO's EV-to-EBIT is ranked higher than
62% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.15 vs. FFCO: 50.32 )
FFCO' s 10-Year EV-to-EBIT Range
Min: 17.9   Max: 860.7
Current: 50.32

17.9
860.7
PEG 1.34
FFCO's PEG is ranked higher than
87% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FFCO: 1.34 )
FFCO' s 10-Year PEG Range
Min: 3.99   Max: 41.37
Current: 1.34

3.99
41.37
Shiller P/E 80.20
FFCO's Shiller P/E is ranked higher than
71% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.31 vs. FFCO: 80.20 )
FFCO' s 10-Year Shiller P/E Range
Min: 68.93   Max: 177.27
Current: 80.2

68.93
177.27

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.30
FFCO's Dividend Yield is ranked lower than
74% of the 1494 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.39 vs. FFCO: 1.30 )
FFCO' s 10-Year Dividend Yield Range
Min: 0.21   Max: 1.21
Current: 1.3

0.21
1.21
Dividend Payout 0.54
FFCO's Dividend Payout is ranked higher than
61% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.47 vs. FFCO: 0.54 )
FFCO' s 10-Year Dividend Payout Range
Min: 0.13   Max: 1.58
Current: 0.54

0.13
1.58
Dividend growth (3y) 94.30
FFCO's Dividend growth (3y) is ranked higher than
99% of the 1033 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.50 vs. FFCO: 94.30 )
FFCO' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 94.3
Current: 94.3

0
94.3
Yield on cost (5-Year) 1.30
FFCO's Yield on cost (5-Year) is ranked lower than
74% of the 1504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.70 vs. FFCO: 1.30 )
FFCO' s 10-Year Yield on cost (5-Year) Range
Min: 0.21   Max: 1.21
Current: 1.3

0.21
1.21
Share Buyback Rate 5.50
FFCO's Share Buyback Rate is ranked higher than
97% of the 1304 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. FFCO: 5.50 )
FFCO' s 10-Year Share Buyback Rate Range
Min: 0   Max: -1.1
Current: 5.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
FFCO's Price/Tangible Book is ranked higher than
82% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.34 vs. FFCO: 1.00 )
FFCO' s 10-Year Price/Tangible Book Range
Min: 0.52   Max: 1.52
Current: 1

0.52
1.52
Price/DCF (Projected) 0.70
FFCO's Price/DCF (Projected) is ranked higher than
79% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. FFCO: 0.70 )
FFCO' s 10-Year Price/DCF (Projected) Range
Min: 0.17   Max: 0.71
Current: 0.7

0.17
0.71
Price/Median PS Value 1.00
FFCO's Price/Median PS Value is ranked higher than
82% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.14 vs. FFCO: 1.00 )
FFCO' s 10-Year Price/Median PS Value Range
Min: 0.48   Max: 3.5
Current: 1

0.48
3.5
Price/Graham Number 1.40
FFCO's Price/Graham Number is ranked higher than
63% of the 1916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.08 vs. FFCO: 1.40 )
FFCO' s 10-Year Price/Graham Number Range
Min: 0.8   Max: 3.48
Current: 1.4

0.8
3.48
Earnings Yield (Greenblatt) 2.00
FFCO's Earnings Yield (Greenblatt) is ranked higher than
52% of the 1616 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. FFCO: 2.00 )
FFCO' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 5.6
Current: 2

0.1
5.6
Forward Rate of Return (Yacktman) 4.09
FFCO's Forward Rate of Return (Yacktman) is ranked higher than
58% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.57 vs. FFCO: 4.09 )
FFCO' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4   Max: 125
Current: 4.09

4
125

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
FedFirst Financial Corporation is a stock holding company established in 2010, whose wholly owned subsidiary is First Federal Savings Bank ("First Federal" or the "Bank"), a federally chartered stock savings bank. Through its wholly-owned subsidiary FedFirst Exchange Corporation ("FFEC"), the Bank has an 80% controlling interest in Exchange Underwriters, Inc. Exchange Underwriters is a full-service, insurance agency that offers property and casualty, commercial liability, surety and other insurance products. The 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 seven locations in southwestern Pennsylvania. The Bank conducts insurance brokerage activities through Exchange Underwriters. Its seven banking offices are located in Fayette, Washington and Westmoreland counties, which are located in the southern suburban area of metropolitan Pittsburgh. Generally, its offices are located in small industrial communities that, in the past, relied extensively on the steel industry. Its lending activities include Residential Mortgage Loans, Commercial and Multi-Family Real Estate Loans, Construction Loans, Commercial Business Loans and Consumer Loans. The Company has legal authority to invest in various types of liquid assets, including U.S. Treasury obligations, Government-sponsored enterprise securities and securities of various federal agencies and of state and municipal governments, mortgage-backed securities and certificates of deposit of federally insured institutions. At December 31, 2012, its investment portfolio consisted of municipal bonds, mortgage-backed securities issued primarily by Fannie Mae and Freddie Mac, guaranteed REMIC pass-through certificates, and corporate debt securities. The Bank is subject to competition from other financial institutions and to the regulations of certain federal and state agencies and undergoes periodic examinations by those regulatory authorities. It also faces competition for the attraction of deposits and origination of loans.
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