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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 1.66
TOFC's Cash to Debt is ranked higher than
75% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. TOFC: 1.66 )
TOFC' s 10-Year Cash to Debt Range
Min: 0.23   Max: No Debt
Current: 1.66

Equity to Asset 0.09
TOFC's Equity to Asset is ranked higher than
67% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. TOFC: 0.09 )
TOFC' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.21
Current: 0.09

0.07
0.21
Interest Coverage 4.08
TOFC's Interest Coverage is ranked higher than
89% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. TOFC: 4.08 )
TOFC' s 10-Year Interest Coverage Range
Min: 0.07   Max: 9999.99
Current: 4.08

0.07
9999.99
F-Score: 7
Z-Score: 0.24
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 : 8/10

vs
industry
vs
history
Operating margin (%) 36.95
TOFC's Operating margin (%) is ranked higher than
84% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.40 vs. TOFC: 36.95 )
TOFC' s 10-Year Operating margin (%) Range
Min: -61.54   Max: 36.95
Current: 36.95

-61.54
36.95
Net-margin (%) 26.22
TOFC's Net-margin (%) is ranked higher than
83% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. TOFC: 26.22 )
TOFC' s 10-Year Net-margin (%) Range
Min: -65.38   Max: 26.22
Current: 26.22

-65.38
26.22
ROE (%) 12.82
TOFC's ROE (%) is ranked higher than
90% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. TOFC: 12.82 )
TOFC' s 10-Year ROE (%) Range
Min: -11.95   Max: 12.82
Current: 12.82

-11.95
12.82
ROA (%) 1.17
TOFC's ROA (%) is ranked higher than
88% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. TOFC: 1.17 )
TOFC' s 10-Year ROA (%) Range
Min: -119.14   Max: 1.17
Current: 1.17

-119.14
1.17
ROC (Joel Greenblatt) (%) 133.31
TOFC's ROC (Joel Greenblatt) (%) is ranked higher than
85% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.85 vs. TOFC: 133.31 )
TOFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -228.57   Max: 133.31
Current: 133.31

-228.57
133.31
Revenue Growth (%) 0.10
TOFC's Revenue Growth (%) is ranked higher than
71% of the 1443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. TOFC: 0.10 )
TOFC' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 56.3
Current: 0.1

0
56.3
EBITDA Growth (%) 37.30
TOFC's EBITDA Growth (%) is ranked higher than
94% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. TOFC: 37.30 )
TOFC' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 45.9
Current: 37.3

0
45.9
EPS Growth (%) 35.90
TOFC's EPS Growth (%) is ranked higher than
93% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. TOFC: 35.90 )
TOFC' s 10-Year EPS Growth (%) Range
Min: 0   Max: 43.5
Current: 35.9

0
43.5
» TOFC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2012

TOFC Guru Trades in Q2 2012

Diamond Hill Capital 41,975 sh (New)
» More
Q3 2012

TOFC Guru Trades in Q3 2012

Diamond Hill Capital 41,975 sh (unchged)
» More
Q4 2012

TOFC Guru Trades in Q4 2012

Diamond Hill Capital 39,585 sh (-5.69%)
» More
Q1 2013

TOFC Guru Trades in Q1 2013

Diamond Hill Capital Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with TOFC



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.50
TOFC's P/E(ttm) is ranked higher than
78% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. TOFC: 13.50 )
TOFC' s 10-Year P/E(ttm) Range
Min: 6.09   Max: 71.86
Current: 13.5

6.09
71.86
P/B 1.74
TOFC's P/B is ranked higher than
58% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. TOFC: 1.74 )
TOFC' s 10-Year P/B Range
Min: 0.38   Max: 1.88
Current: 1.74

0.38
1.88
P/S 3.56
TOFC's P/S is ranked higher than
65% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. TOFC: 3.56 )
TOFC' s 10-Year P/S Range
Min: 0.69   Max: 4.13
Current: 3.56

0.69
4.13
PFCF 8.38
TOFC's PFCF is ranked higher than
80% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 26.04 vs. TOFC: 8.38 )
TOFC' s 10-Year PFCF Range
Min: 1.63   Max: 101.13
Current: 8.38

1.63
101.13
EV-to-EBIT 8.19
TOFC's EV-to-EBIT is ranked higher than
91% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.36 vs. TOFC: 8.19 )
TOFC' s 10-Year EV-to-EBIT Range
Min: 1.1   Max: 39.2
Current: 8.19

1.1
39.2
Shiller P/E 34.59
TOFC's Shiller P/E is ranked higher than
77% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.15 vs. TOFC: 34.59 )
TOFC' s 10-Year Shiller P/E Range
Min: 9.69   Max: 55.5
Current: 34.59

9.69
55.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.32
TOFC's Dividend Yield is ranked lower than
75% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. TOFC: 1.32 )
TOFC' s 10-Year Dividend Yield Range
Min: 0.2   Max: 1.75
Current: 1.32

0.2
1.75
Dividend Payout 0.16
TOFC's Dividend Payout is ranked higher than
95% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. TOFC: 0.16 )
TOFC' s 10-Year Dividend Payout Range
Min: 0.09   Max: 0.18
Current: 0.16

0.09
0.18
Yield on cost (5-Year) 1.32
TOFC's Yield on cost (5-Year) is ranked lower than
72% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 vs. TOFC: 1.32 )
TOFC' s 10-Year Yield on cost (5-Year) Range
Min: 0.2   Max: 1.75
Current: 1.32

0.2
1.75
Share Buyback Rate -0.90
TOFC's Share Buyback Rate is ranked higher than
76% of the 1242 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. TOFC: -0.90 )
TOFC' s 10-Year Share Buyback Rate Range
Min: 0   Max: -16.8
Current: -0.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.70
TOFC's Price/Tangible Book is ranked higher than
63% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. TOFC: 1.70 )
TOFC' s 10-Year Price/Tangible Book Range
Min: 0.5   Max: 1.84
Current: 1.7

0.5
1.84
Price/DCF (Projected) 0.90
TOFC's Price/DCF (Projected) is ranked higher than
77% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. TOFC: 0.90 )
TOFC' s 10-Year Price/DCF (Projected) Range
Min: 0.18   Max: 1.06
Current: 0.9

0.18
1.06
Price/Median PS Value 1.70
TOFC's Price/Median PS Value is ranked higher than
54% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. TOFC: 1.70 )
TOFC' s 10-Year Price/Median PS Value Range
Min: 0.44   Max: 3.54
Current: 1.7

0.44
3.54
Price/Graham Number 1.00
TOFC's Price/Graham Number is ranked higher than
72% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. TOFC: 1.00 )
TOFC' s 10-Year Price/Graham Number Range
Min: 0.42   Max: 1.45
Current: 1

0.42
1.45
Earnings Yield (Greenblatt) 12.20
TOFC's Earnings Yield (Greenblatt) is ranked higher than
88% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. TOFC: 12.20 )
TOFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.6   Max: 91.2
Current: 12.2

2.6
91.2
Forward Rate of Return (Yacktman) 5.02
TOFC's Forward Rate of Return (Yacktman) is ranked higher than
58% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.98 vs. TOFC: 5.02 )
TOFC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.7   Max: 1342.9
Current: 5.02

5.7
1342.9

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Tower Financial Corporation is an Indiana corporation formed on July 8, 1998. It is a bank holding company provides a range of commercial and consumer banking services from six locations in the metropolitan area of Fort Wayne, Allen County, Indiana, and one location in Warsaw, Indiana. Its lending strategy is engaged in commercial and commercial mortgage loans and, to a lesser extent, on consumer and residential mortgage loans. Its loan portfolio consists of commercial and commercial real estate loans, residential mortgage loans and personal loans. It makes personal loans and lines of credit available to consumers for various purposes, such as the purchase of automobiles, boats and other recreational vehicles, and to make home improvements and personal investments. Its lending activities focus mainly on providing small- and medium-sized businesses in its market area with commercial loans. These loans are both secured and unsecured and are made available for general operating purposes, including acquisition of fixed assets such as real estate, equipment and machinery, and lines of credit collateralized by inventory and accounts receivable. It offers a broad array of deposit products, including checking, savings, and money market accounts, certificates of deposit and direct deposit services. The Company's investment management and trust services provide a range of traditional personal trust services to customers in its market area. Its trust services include estate planning and money management, as well as traditional revocable trusts, irrevocable trusts, charitable trusts, estate administration, guardianship administration, individual retirement account (IRA) administration, personal and institutional investment management, and custodial services. The Bank competes with numerous financial institutions, including other commercial banks, thrift institutions, credit unions and other banks as well as finance companies, insurance companies, mortgage companies, securities brokerage firms, money market funds, trust companies and other providers of financial services. Financial institutions and their holding companies are extensively regulated under federal and state law.
» More Articles for TOFC

Headlines

Articles On GuruFocus.com
Tower Financial Corp. Reports Operating Results (10-K) Mar 15 2011 
Tower Financial Corp. Reports Operating Results (10-Q) Nov 05 2010 
Tower Financial Corp. Reports Operating Results (10-Q/A) Jan 28 2010 
Tower Financial Corp. Reports Operating Results (10-Q/A) Jan 28 2010 
Tower Financial Corp. Reports Operating Results (10-Q) Aug 12 2009 
Tower Financial Corp. Reports Operating Results (10-Q) May 15 2009 

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