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0 (1y: -100%)
Market Cap 12.73 M P/E(ttm)
Enterprise Value 12.73 M P/B 1.13
FPFCQ- OTCPK (USA)
First Place Financial Corporation
  • Currently 1/5
Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$0.00
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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

vs
industry		 vs
history
Cash to Debt 0.347
FPFCQ's Cash to Debt is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. FPFCQ: 0.347 )
FPFCQ' s 10-Year Cash to Debt Range
Min: 0.03   Max: 0.36
Current: 0.35
0.03
0.36
Interest Coverage 0.8
FPFCQ's Interest Coverage is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. FPFCQ: 0.8 )
FPFCQ' s 10-Year Interest Coverage Range
Min: -1   Max: 2
Current: 0.8
-1
2
F-Score: 3
Z-Score: 0.11
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

vs
industry		 vs
history
Operating margin (%) -24.80
FPFCQ's Operating margin (%) is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. FPFCQ: -24.80 )
FPFCQ' s 10-Year Operating margin (%) Range
Min: -109.5   Max: 40.3
Current: -24.8
-109.5
40.3
Net-margin (%) -19.8
FPFCQ's Net-margin (%) is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. FPFCQ: -19.8 )
FPFCQ' s 10-Year Net-margin (%) Range
Min: -98.5   Max: 27.2
Current: -19.8
-98.5
27.2
ROE (%) -12.4
FPFCQ's ROE (%) is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FPFCQ: -12.4 )
FPFCQ' s 10-Year ROE (%) Range
Min: -39.2   Max: 9.1
Current: -12.4
-39.2
9.1
ROA (%) -1
FPFCQ's ROA (%) is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FPFCQ: -1 )
FPFCQ' s 10-Year ROA (%) Range
Min: -3.2   Max: 1.1
Current: -1
-3.2
1.1
ROC (Joel Greenblatt) (%) -114.80
FPFCQ's ROC (Joel Greenblatt) (%) is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 45.20 vs. FPFCQ: -114.80 )
FPFCQ' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -481.2   Max: 44
Current: -114.8
-481.2
44
Revenue Growth (%) 7.7
FPFCQ's Revenue Growth (%) is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. FPFCQ: 7.7 )
FPFCQ' s 10-Year Revenue Growth (%) Range
Min: -2.1   Max: 11.7
Current: 7.7
-2.1
11.7
ยป FPFCQ's 10-Y Financials

Financials


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

» Details

Guru Trades

FPFCQ Guru Trades in

Q3 2012

FPFCQ Guru Trades in Q3 2012

Irving Kahn 13,426 sh (unchged)
» More
Q4 2012

FPFCQ Guru Trades in Q4 2012

Irving Kahn 13,426 sh (unchged)
» More
Q1 2013

FPFCQ Guru Trades in Q1 2013

Irving Kahn 13,426 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with FPFCQ



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/B 1.13
FPFCQ's P/B is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FPFCQ: 1.13 )
FPFCQ' s 10-Year P/B Range
Min: 0.01   Max: 1.51
Current: 1.13
0.01
1.51
PFCF 1.25
FPFCQ's PFCF is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. FPFCQ: 1.25 )
FPFCQ' s 10-Year PFCF Range
Min: 0.01   Max: 33.75
Current: 1.25
0.01
33.75
Shiller P/E 91.03
FPFCQ's Shiller P/E is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. FPFCQ: 91.03 )
FPFCQ' s 10-Year Shiller P/E Range
Min: 2.44   Max: 30.16
Current: 91.03
2.44
30.16

Valuation & Return

vs
industry		 vs
history
Price/Net Current Asset Value 302.3
FPFCQ's Price/Net Current Asset Value is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.70 vs. FPFCQ: 302.3 )
FPFCQ' s 10-Year Price/Net Current Asset Value Range
Min: 19.6   Max: 302.3
Current: 302.3
19.6
302.3
Price/Tangible Book 0.2
FPFCQ's Price/Tangible Book is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FPFCQ: 0.2 )
FPFCQ' s 10-Year Price/Tangible Book Range
Min: 0.2   Max: 2.1
Current: 0.2
0.2
2.1
Price/DCF (Projected) 0.1
FPFCQ's Price/DCF (Projected) is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. FPFCQ: 0.1 )
FPFCQ' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 1.3
Current: 0.1
0.1
1.3
Price/Median PS Value 0.1
FPFCQ's Price/Median PS Value is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FPFCQ: 0.1 )
FPFCQ' s 10-Year Price/Median PS Value Range
Min: 0.1   Max: 1.5
Current: 0.1
0.1
1.5
Price/Peter Lynch Fair Value 1.1
FPFCQ's Price/Peter Lynch Fair Value is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FPFCQ: 1.1 )
FPFCQ' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.6   Max: 1.9
Current: 1.1
0.6
1.9
Price/Graham Number 0.4
FPFCQ's Price/Graham Number is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FPFCQ: 0.4 )
FPFCQ' s 10-Year Price/Graham Number Range
Min: 0.2   Max: 2.2
Current: 0.4
0.2
2.2
Earnings Yield (Greenblatt) 99999999.99
FPFCQ's Earnings Yield (Greenblatt) is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. FPFCQ: 99999999.99 )
FPFCQ' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 1.8
Current: 99999999.99
0.1
1.8
Forward Rate of Return (Yacktman) 6.55
FPFCQ's Forward Rate of Return (Yacktman) is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. FPFCQ: 6.55 )
FPFCQ' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 16.7   Max: 276.8
Current: 6.55
16.7
276.8

Business Description

First Place Financial Corp. was formed as a thrift holding company as a result of the conversion of First Place Bank, formerly known as First Federal Savings and Loan Association of Warren, from a federally chartered mutual savings and loan association to a federally chartered stock savings association in December 1998. First Federal Savings and Loan Association of Warren originally opened for business in 1922. It offers a wide variety of business and retail banking products, as well as a full range of insurance and investment services. It conducts its business primarily through the Bank. The Bank's principal business consists of accepting retail and business deposits from the general public and investing these funds primarily in one- to four-family residential mortgage, home equity, multifamily, commercial real estate, commercial and construction loans. In the Mahoning Valley region of Eastern Ohio, the Bank currently operates 21 retail locations in Trumbull, Mahoning and Portage counties. In the Cleveland metropolitan area of Northeastern Ohio, the Bank operates seven retail locations in Lorain County, and one retail location and two business financial centers in Cuyahoga County. In Southeastern Michigan between the Detroit and Flint metropolitan areas, the Bank operates 13 retail locations. The Bank also operates one retail location in Central Ohio in Franklin County. In addition, the Company, through the Bank, operates 20 loan production offices of which ten are located throughout Ohio, seven are located in Michigan, two are located in Indiana and one is located in Rockville, Maryland. The Company also originates multifamily, commercial real estate, commercial, construction and consumer loans, which typically have higher yields than traditional one- to four-family loans. The Bank is subject to extensive regulation, examination and supervision by the OTS, as its chartering agency, and the FDIC, as the deposit insurer.
Company Website
SEC Reports
Industry: Banks - Regional - US
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