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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 2.72
FFKY's Cash to Debt is ranked higher than
79% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. FFKY: 2.72 )
FFKY' s 10-Year Cash to Debt Range
Min: 0.11   Max: 3.38
Current: 2.72

0.11
3.38
Equity to Asset 0.04
FFKY's Equity to Asset is ranked lower than
53% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FFKY: 0.04 )
FFKY' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.18
Current: 0.04

0.04
0.18
Interest Coverage 0.08
FFKY's Interest Coverage is ranked lower than
56% of the 1502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. FFKY: 0.08 )
FFKY' s 10-Year Interest Coverage Range
Min: 0.08   Max: 0.78
Current: 0.08

0.08
0.78
F-Score: 5
Z-Score: -0.02
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 (%) 2.35
FFKY's Operating margin (%) is ranked lower than
52% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. FFKY: 2.35 )
FFKY' s 10-Year Operating margin (%) Range
Min: -171.68   Max: 53.33
Current: 2.35

-171.68
53.33
Net-margin (%) 2.34
FFKY's Net-margin (%) is ranked lower than
51% of the 1665 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. FFKY: 2.34 )
FFKY' s 10-Year Net-margin (%) Range
Min: -69.55   Max: 124.86
Current: 2.34

-69.55
124.86
ROE (%) 2.26
FFKY's ROE (%) is ranked higher than
52% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. FFKY: 2.26 )
FFKY' s 10-Year ROE (%) Range
Min: -43.32   Max: 14.34
Current: 2.26

-43.32
14.34
ROA (%) 0.09
FFKY's ROA (%) is ranked higher than
50% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. FFKY: 0.09 )
FFKY' s 10-Year ROA (%) Range
Min: -1.88   Max: 1.56
Current: 0.09

-1.88
1.56
ROC (Joel Greenblatt) (%) 3.13
FFKY's ROC (Joel Greenblatt) (%) is ranked higher than
50% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. FFKY: 3.13 )
FFKY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -88.04   Max: 97.4
Current: 3.13

-88.04
97.4
Revenue Growth (%) -10.60
FFKY's Revenue Growth (%) is ranked higher than
55% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FFKY: -10.60 )
FFKY' s 10-Year Revenue Growth (%) Range
Min: -34.7   Max: 78.8
Current: -10.6

-34.7
78.8
EPS Growth (%) -69.90
FFKY's EPS Growth (%) is ranked higher than
50% of the 1296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. FFKY: -69.90 )
FFKY' s 10-Year EPS Growth (%) Range
Min: -69.9   Max: 17.3
Current: -69.9

-69.9
17.3
» FFKY's 10-Y Financials

Financials


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

» Details

Insider Trades

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Ratios

vs
industry
vs
history
P/B 1.26
FFKY's P/B is ranked higher than
65% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FFKY: 1.26 )
FFKY' s 10-Year P/B Range
Min: 0.14   Max: 2.03
Current: 1.26

0.14
2.03
P/S 0.58
FFKY's P/S is ranked higher than
98% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.06 vs. FFKY: 0.58 )
FFKY' s 10-Year P/S Range
Min: 0.14   Max: 16.95
Current: 0.58

0.14
16.95
PFCF 1.96
FFKY's PFCF is ranked higher than
90% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.14 vs. FFKY: 1.96 )
FFKY' s 10-Year PFCF Range
Min: 0.44   Max: 89.32
Current: 1.96

0.44
89.32
EV-to-EBIT 8.98
FFKY's EV-to-EBIT is ranked higher than
50% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.09 vs. FFKY: 8.98 )
FFKY' s 10-Year EV-to-EBIT Range
Min: 8.4   Max: 88.5
Current: 8.98

8.4
88.5

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) 11.10
FFKY's Earnings Yield (Greenblatt) is ranked lower than
62% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. FFKY: 11.10 )
FFKY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.1   Max: 11.9
Current: 11.1

1.1
11.9
Forward Rate of Return (Yacktman) -19.41
FFKY's Forward Rate of Return (Yacktman) is ranked lower than
53% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.09 vs. FFKY: -19.41 )
FFKY' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -32   Max: 37.9
Current: -19.41

-32
37.9

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
First Financial Service Corporation was incorporated in August 1989 under Kentucky law and became the holding company for First Federal Savings Bank of Elizabethtown effective on June 1, 1990. It serves the needs and cater to the economic strengths of the local communities in which it operates, and it strive to provide a high level of personal and professional customer service. It offers a number of financial services to its retail and commercial banking customers. These services include personal and corporate banking services and personal investment financial counseling services. Its full complement of lending services include: an array of residential mortgage products, both fixed and adjustable rate; consumer loans, including home equity lines of credit, auto loans, recreational vehicle, and other secured and unsecured loans; specialized financing programs to support community development; mortgages for multi-family real estate; commercial real estate loans; commercial loans to businesses, including revolving lines of credit and term loans; real estate development; construction lending; and agricultural lending. The Company also provides a selection of deposit instruments, which include: multiple checking and NOW accounts for both personal and business accounts; various savings accounts, including those for minors; money market accounts; tax qualified deposit accounts such as Health Savings Accounts and Individual Retirement Accounts; and an array of certificate of deposit products. The company's personal investment financial counseling services offer a number of mutual funds, equity investments, and fixed and variable annuities. It operates 17 full-service banking centers and a commercial private banking center in six contiguous counties in central Kentucky along the Interstate approximately 65 corridor and within the Louisville metropolitan area, including southern Indiana. First Service Corporation of Elizabethtown, the company's licensed brokerage affiliate, provides investment services to its customers and offers tax-deferred annuities, government securities, mutual funds, and stocks and bonds. It provides title insurance coverage for mortgage borrowers through two subsidiaries: First Heartland Title, LLC, and First Federal Title Services, LLC. It faces competition both in attracting and retaining deposits and in lending. The Bank is a Kentucky chartered commercial bank and is subject to supervision and regulation, which involves regular bank examinations, by both the FDIC and the KDFI.
» More Articles for FFKY

Headlines

Articles On GuruFocus.com
Top 04 gainers of Jan 06, with maximum 58% gain, and two with significant insider buying Jan 07 2012 
First Financial Service Corp. Reports Operating Results (10-Q) Nov 09 2010 
First Financial Service Corp. Reports Operating Results (10-Q) Aug 09 2010 
First Financial Service Corporation Announces Quarterly Results Aug 03 2009 
First Financial Service Corp. Reports Operating Results (10-Q) May 11 2009 

More From Other Websites
FIRST FINANCIAL SERVICE CORP Files SEC form 10-Q, Quarterly Report Aug 14 2014
FIRST FINANCIAL SERVICE CORP Financials May 23 2014
FIRST FINANCIAL SERVICE CORP Files SEC form 8-K, Submission of Matters to a Vote of Security... May 23 2014
FIRST FINANCIAL SERVICE CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... May 21 2014
FIRST FINANCIAL SERVICE CORP Files SEC form 10-Q, Quarterly Report May 15 2014
FIRST FINANCIAL SERVICE CORP Files SEC form 8-K, Entry into a Material Definitive Agreement,... Apr 24 2014
Community Bank Shares of Indiana, Inc. To Acquire First Financial Service Corporation of... Apr 22 2014
FIRST FINANCIAL SERVICE CORP Files SEC form 10-K, Annual Report Mar 31 2014
FIRST FINANCIAL SERVICE CORP Files SEC form 10-Q, Quarterly Report Nov 14 2013
First Financial Service Corporation Reports Net Income of $1.2 million or $0.25 per share Nov 12 2013
FIRST FINANCIAL SERVICE CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Nov 12 2013
First Financial Service Corporation Reports Net Income of $1.2 million or $0.25 per share Nov 12 2013
FIRST FINANCIAL SERVICE CORP Files SEC form 10-Q, Quarterly Report Aug 14 2013
FIRST FINANCIAL SERVICE CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Aug 12 2013

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