Switch to:

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 1.88
FFKY's Cash to Debt is ranked higher than
54% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. FFKY: 1.88 )
Ranked among companies with meaningful Cash to Debt only.
FFKY' s 10-Year Cash to Debt Range
Min: 0.11  Med: 0.37 Max: 3.38
Current: 1.88
0.11
3.38
Equity to Asset 0.05
FFKY's Equity to Asset is ranked lower than
90% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FFKY: 0.05 )
Ranked among companies with meaningful Equity to Asset only.
FFKY' s 10-Year Equity to Asset Range
Min: 0.04  Med: 0.09 Max: 0.15
Current: 0.05
0.04
0.15
Interest Coverage 0.08
FFKY's Interest Coverage is ranked lower than
98% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. FFKY: 0.08 )
Ranked among companies with meaningful Interest Coverage only.
FFKY' s 10-Year Interest Coverage Range
Min: 0.08  Med: 0.51 Max: 0.78
Current: 0.08
0.08
0.78
F-Score: 5
Z-Score: 0.04
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 (%) -7.30
FFKY's Operating margin (%) is ranked lower than
94% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. FFKY: -7.30 )
Ranked among companies with meaningful Operating margin (%) only.
FFKY' s 10-Year Operating margin (%) Range
Min: -171.68  Med: 36.58 Max: 55.48
Current: -7.3
-171.68
55.48
Net-margin (%) -4.58
FFKY's Net-margin (%) is ranked lower than
94% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. FFKY: -4.58 )
Ranked among companies with meaningful Net-margin (%) only.
FFKY' s 10-Year Net-margin (%) Range
Min: -69.55  Med: 25.70 Max: 124.86
Current: -4.58
-69.55
124.86
ROE (%) -3.74
FFKY's ROE (%) is ranked lower than
94% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. FFKY: -3.74 )
Ranked among companies with meaningful ROE (%) only.
FFKY' s 10-Year ROE (%) Range
Min: -36.79  Med: 10.65 Max: 15.11
Current: -3.74
-36.79
15.11
ROA (%) -0.16
FFKY's ROA (%) is ranked lower than
92% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FFKY: -0.16 )
Ranked among companies with meaningful ROA (%) only.
FFKY' s 10-Year ROA (%) Range
Min: -1.82  Med: 1.10 Max: 1.61
Current: -0.16
-1.82
1.61
ROC (Joel Greenblatt) (%) -8.59
FFKY's ROC (Joel Greenblatt) (%) is ranked lower than
93% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. FFKY: -8.59 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FFKY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -84.77  Med: 19.30 Max: 89.1
Current: -8.59
-84.77
89.1
Revenue Growth (3Y)(%) -10.60
FFKY's Revenue Growth (3Y)(%) is ranked lower than
87% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. FFKY: -10.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FFKY' s 10-Year Revenue Growth (3Y)(%) Range
Min: -34.7  Med: 9.80 Max: 78.8
Current: -10.6
-34.7
78.8
EPS Growth (3Y)(%) -69.90
FFKY's EPS Growth (3Y)(%) is ranked lower than
98% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. FFKY: -69.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FFKY' s 10-Year EPS Growth (3Y)(%) Range
Min: -69.9  Med: 7.20 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

Latest Guru Trades with FFKY

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

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/B 1.37
FFKY's P/B is ranked lower than
68% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. FFKY: 1.37 )
Ranked among companies with meaningful P/B only.
FFKY' s 10-Year P/B Range
Min: 0.14  Med: 1.25 Max: 2.03
Current: 1.37
0.14
2.03
P/S 0.69
FFKY's P/S is ranked higher than
95% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. FFKY: 0.69 )
Ranked among companies with meaningful P/S only.
FFKY' s 10-Year P/S Range
Min: 0.14  Med: 1.35 Max: 16.95
Current: 0.69
0.14
16.95
PFCF 4.11
FFKY's PFCF is ranked higher than
76% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. FFKY: 4.11 )
Ranked among companies with meaningful PFCF only.
FFKY' s 10-Year PFCF Range
Min: 0.45  Med: 9.69 Max: 42.29
Current: 4.11
0.45
42.29
POCF 5.00
FFKY's POCF is ranked higher than
71% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. FFKY: 5.00 )
Ranked among companies with meaningful POCF only.
FFKY' s 10-Year POCF Range
Min: 0.43  Med: 7.63 Max: 77.38
Current: 5
0.43
77.38
Days Sales Outstanding 21.64
FFKY's Days Sales Outstanding is ranked higher than
78% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. FFKY: 21.64 )
Ranked among companies with meaningful Days Sales Outstanding only.
FFKY' s 10-Year Days Sales Outstanding Range
Min: 22.77  Med: 38.78 Max: 180.49
Current: 21.64
22.77
180.49

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) (%) -15.40
FFKY's Earnings Yield (Greenblatt) (%) is ranked lower than
96% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. FFKY: -15.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FFKY' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: -15.4  Med: 7.00 Max: 11432.2
Current: -15.4
-15.4
11432.2
Forward Rate of Return (Yacktman) (%) 34.47
FFKY's Forward Rate of Return (Yacktman) (%) is ranked higher than
82% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. FFKY: 34.47 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FFKY' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -93.4  Med: 5.80 Max: 76.7
Current: 34.47
-93.4
76.7

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.

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK