NAS:FDEF (USA)

First Defiance Financial Corp

$ 27.69 0 (0%)
Volume: 37,686 Avg Vol (1m): 38,995
Market Cap $: 546.05 Mil Enterprise Value $: 291.88 Mil
P/E (TTM): 12.30 P/B: 1.38
Earnings Power Value 11.73
Net Current Asset Value 0
Tangible Book 14.09
Projected FCF 33.2
Median P/S Value 19.81
Graham Number 26.71
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 4/10

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.
Current vs industry vs history
Cash-to-Debt 0.50
Cash-To-Debt ranked lower than
60.54% of 1617 companies
in the Savings & Cooperative Banks industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
FDEF: 0.5
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.02, Med: 0.38, Max: 33.78
Current: 0.5
0.02
33.78
Equity-to-Asset 0.12
Equity-to-Asset ranked higher than
74.92% of 1627 companies
in the Savings & Cooperative Banks industry.
Industry Max: 1, Med: 0.11, Min: -11.05
FDEF: 0.12
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.09, Med: 0.12, Max: 0.25
Current: 0.12
0.09
0.25
Debt-to-Equity 0.23
Debt-to-Equity ranked higher than
69.56% of 1393 companies
in the Savings & Cooperative Banks industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
FDEF: 0.23
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.02, Med: 0.45, Max: 3.57
Current: 0.23
0.02
3.57
Debt-to-EBITDA 0.61
Debt-to-EBITDA ranked higher than
70.83% of 1416 companies
in the Savings & Cooperative Banks industry.
Industry Max: 2306.11, Med: 1.79, Min: 0.01
FDEF: 0.61
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 0.61
Current: 0.61
0
0.61
Beneish M-Score -2.26
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 10.23%

Profitability & Growth : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 30.71
Net Margin ranked higher than
69.49% of 1639 companies
in the Savings & Cooperative Banks industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
FDEF: 30.71
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 7.37, Med: 23.2, Max: 31.44
Current: 30.71
7.37
31.44
ROE % 11.76
ROE ranked higher than
68.19% of 1638 companies
in the Savings & Cooperative Banks industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
FDEF: 11.76
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 2.24, Med: 8.6, Max: 11.96
Current: 11.76
2.24
11.96
ROA % 1.48
ROA ranked higher than
76.41% of 1645 companies
in the Savings & Cooperative Banks industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
FDEF: 1.48
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 0.36, Med: 1.1, Max: 1.5
Current: 1.48
0.36
1.5
3-Year Total Revenue Growth Rate 11.70
3-Year Revenue Growth Rate ranked higher than
75.94% of 1513 companies
in the Savings & Cooperative Banks industry.
Industry Max: 672.4, Med: 4.3, Min: -100
FDEF: 8.5
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -15.8, Med: 8.5, Max: 103
Current: 8.5
-15.8
103
3-Year EPS w/o NRI Growth Rate 17.00
3-Year EPS w/o NRI Growth Rate ranked higher than
62.25% of 1359 companies
in the Savings & Cooperative Banks industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
FDEF: 17
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: -33.9, Med: 16, Max: 47.1
Current: 17
-33.9
47.1

» FDEF's 30-Y Financials

Financials (Next Earnings Date: 2019-07-17)

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Business Description

Industry Banks » Savings & Cooperative Banks    NAICS : 522120    SIC : 6035
Compare NAS:HONE NAS:DCOM NAS:WSBF NAS:LOB NAS:UCFC NAS:UBNK NAS:HIFS HKSE:00900 NAS:EBTC NAS:HBCP NAS:HMST OTCPK:NASB NAS:SMBC NAS:TBNK NAS:GCBC NAS:TSBK NAS:EBSB NAS:SIFI NAS:FNWB NAS:ESSA
Traded in other countries
Address 601 Clinton Street, Defiance, OH, USA, 43512
First Defiance Financial Corp operates a unitary thrift holding company that provides communities based financial services in northwest Ohio, northeast Indiana, and southeastern Michigan. It provides a broad range of financial services including checking accounts, savings accounts, certificates of deposit, real estate mortgage loans, commercial loans, consumer loans, home equity loans and trust and wealth management services through its extensive branch network. In addition, it sells various property and casualty, group health and life, and individual health and life insurance products. The firm operates through over 30 full-service banking centers and it derives most of the income from the source of interest.

Ratios

Current vs industry vs history
PE Ratio (TTM) 12.30
PE Ratio ranked lower than
57.87% of 1557 companies
in the Savings & Cooperative Banks industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
FDEF: 12.3
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 5.17, Med: 13.41, Max: 37.86
Current: 12.3
5.17
37.86
Forward PE Ratio 11.59
Forward P/E ranked lower than
74.95% of 487 companies
in the Savings & Cooperative Banks industry.
Industry Max: 232.56, Med: 11.17, Min: 3.33
FDEF: 11.59
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 12.30
PE without NRI ranked lower than
57.25% of 1532 companies
in the Savings & Cooperative Banks industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
FDEF: 12.3
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 5.17, Med: 13.41, Max: 36.6
Current: 12.3
5.17
36.6
Price-to-Owner-Earnings 12.11
Price-to-Owner-Earnings ranked lower than
55.92% of 989 companies
in the Savings & Cooperative Banks industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
FDEF: 12.11
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 5.04, Med: 11.75, Max: 36.14
Current: 12.11
5.04
36.14
PB Ratio 1.38
PB Ratio ranked lower than
77.59% of 1651 companies
in the Savings & Cooperative Banks industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
FDEF: 1.38
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.18, Med: 0.93, Max: 1.79
Current: 1.38
0.18
1.79
PS Ratio 3.77
PS Ratio ranked lower than
74.11% of 1649 companies
in the Savings & Cooperative Banks industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
FDEF: 3.77
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.39, Med: 2.7, Max: 4.87
Current: 3.77
0.39
4.87
Price-to-Free-Cash-Flow 11.43
Price-to-Free-Cash-Flow ranked lower than
72.00% of 882 companies
in the Savings & Cooperative Banks industry.
Industry Max: 2338.98, Med: 10.27, Min: 0
FDEF: 11.43
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 2.12, Med: 10.21, Max: 22.45
Current: 11.43
2.12
22.45
Price-to-Operating-Cash-Flow 10.49
Price-to-Operating-Cash-Flow ranked lower than
73.31% of 948 companies
in the Savings & Cooperative Banks industry.
Industry Max: 1945525.29, Med: 9.19, Min: 0.01
FDEF: 10.49
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 1.89, Med: 9.01, Max: 20.34
Current: 10.49
1.89
20.34
EV-to-Revenue 1.95
EV-to-Revenue ranked higher than
61.13% of 1325 companies
in the Savings & Cooperative Banks industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
FDEF: 1.95
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: -0.2, Med: 1.9, Max: 4.6
Current: 1.95
-0.2
4.6
Shiller PE Ratio 21.43
Shiller PE Ratio ranked lower than
76.49% of 672 companies
in the Savings & Cooperative Banks industry.
Industry Max: 1946.36, Med: 17.52, Min: 0.06
FDEF: 21.43
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 2.12, Med: 15.37, Max: 30.1
Current: 21.43
2.12
30.1

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 2.61
Trailing Dividend Yield ranked lower than
66.25% of 2587 companies
in the Savings & Cooperative Banks industry.
Industry Max: 266.3, Med: 2.92, Min: 0.01
FDEF: 2.61
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 0.29, Med: 1.84, Max: 26.42
Current: 2.61
0.29
26.42
Dividend Payout Ratio 0.30
Dividend Payout Ratio ranked higher than
59.93% of 1420 companies
in the Savings & Cooperative Banks industry.
Industry Max: 186.51, Med: 0.33, Min: 0.01
FDEF: 0.3
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.04, Med: 0.28, Max: 0.47
Current: 0.3
0.04
0.47
3-Year Dividend Growth Rate (Per Share) 18.20
3-Year Dividend Growth Rate ranked higher than
75.11% of 880 companies
in the Savings & Cooperative Banks industry.
Industry Max: 228.7, Med: 6, Min: -100
FDEF: 18.2
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 13.8, Max: 132.2
Current: 18.2
0
132.2
Forward Dividend Yield % 2.78
Forward Dividend Yield ranked lower than
65.43% of 2534 companies
in the Savings & Cooperative Banks industry.
Industry Max: 98, Med: 3.16, Min: 0.01
FDEF: 2.78
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 7.47
Yield-on-Cost (5y) ranked higher than
88.60% of 2561 companies
in the Savings & Cooperative Banks industry.
Industry Max: 266.3, Med: 3.65, Min: 0.01
FDEF: 7.47
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 0.83, Med: 5.26, Max: 75.6
Current: 7.47
0.83
75.6
3-Year Share Buyback Rate -3.50
3-Year Share Buyback Rate ranked lower than
55.58% of 1137 companies
in the Savings & Cooperative Banks industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
FDEF: -3.5
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -6.2, Med: 1.7, Max: 11.6
Current: -3.5
-6.2
11.6

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.97
Price-to-Tangible-Book ranked lower than
85.44% of 1669 companies
in the Savings & Cooperative Banks industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
FDEF: 1.97
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.38, Med: 1.16, Max: 2.5
Current: 1.97
0.38
2.5
Price-to-Projected-FCF 0.83
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
70.67% of 958 companies
in the Savings & Cooperative Banks industry.
Industry Max: 460, Med: 0.76, Min: 0.01
FDEF: 0.83
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.15, Med: 0.6, Max: 105.54
Current: 0.83
0.15
105.54
Price-to-Median-PS-Value 1.40
Price-to-Median-PS-Value ranked lower than
89.17% of 1524 companies
in the Savings & Cooperative Banks industry.
Industry Max: 186, Med: 1.02, Min: 0.03
FDEF: 1.4
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.21, Med: 1.17, Max: 5.42
Current: 1.4
0.21
5.42
Price-to-Graham-Number 1.04
Price-to-Graham-Number ranked lower than
76.22% of 1476 companies
in the Savings & Cooperative Banks industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
FDEF: 1.04
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.35, Med: 0.97, Max: 2.47
Current: 1.04
0.35
2.47

More Statistics

Revenue (TTM) (Mil) $ 149.78
EPS (TTM) $ 2.25
Beta 1.36
Volatility % 30.03
52-Week Range $ 22.78 - 35
Shares Outstanding (Mil) 19.72

Analyst Estimate

Piotroski F-Score Details