First Defiance Financial Corporation

First Federal Bank is a wholly-owned subsidiary of First Defiance Financial Corp., based in Defiance, Ohio. First Federal is a community bank offering traditional banking services, including residential, commercial and consumer loans, as well as a broad range of deposit account services for retail and commercial customers. First Federal currently operates 33 full service branches and 42 ATM locations in northwest Ohio, southeast Michigan and northeast Indiana.
Defiance, US
Size (employees)
581 (est)
First Defiance Financial Corporation was founded in 1920 and is headquartered in Defiance, US

First Defiance Financial Corporation Office Locations

First Defiance Financial Corporation has an office in Defiance
Defiance, US (HQ)
601 Clinton St

First Defiance Financial Corporation Data and Metrics

First Defiance Financial Corporation Financial Metrics

First Defiance Financial Corporation's revenue was reported to be $87.4 m in FY, 2016

Net income (Q1, 2017)

5.1 m

Market capitalization (21-Jul-2017)

495.3 m
First Defiance Financial Corporation's current market capitalization is $495.3 m.
USDFY, 2013FY, 2014FY, 2015FY, 2016


74.8 m76.2 m80.8 m87.4 m

Revenue growth, %


Cost of goods sold

7.2 m6.6 m6.8 m8.4 m

Gross profit

67.6 m69.7 m74.1 m78.9 m

Gross profit Margin, %


Sales and marketing expense

40.2 m

R&D expense

6.4 m

Operating expense total

64.8 m66.8 m67.9 m71.1 m


65.8 m68.6 m73.9 m78.7 m

EBIT margin, %


Interest income

67.6 m69.7 m74.1 m78.9 m

Pre tax profit

31.5 m33.5 m37.8 m41.6 m

Net Income

22.2 m24.3 m26.4 m28.8 m
USDQ1, 2017

Net Income

5.1 m
USDFY, 2015FY, 2016

Accounts Receivable

6.2 m6.8 m


38.2 m37 m


61.8 m61.8 m

Total Assets

2.3 b2.5 b

Accounts Payable

48.9 m

Total Debt

96 m140 m

Total Liabilities

2.2 b

Additional Paid-in Capital

125.7 m126.4 m

Retained Earnings

219.7 m240.6 m

Total Equity

280.2 m293 m

Debt to Equity Ratio

0.3 x0.5 x

Debt to Assets Ratio

0 x0.1 x

Financial Leverage

8.2 x8.5 x
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

22.2 m24.3 m26.4 m28.8 m

Accounts Receivable

5.8 m6 m

Cash From Operating Activities

30.7 m27 m

Cash From Investing Activities

(158.5 m)

Cash From Financing Activities

90.4 m150.7 m

Interest Paid

6.8 m8.4 m

Income Taxes Paid

10 m12.7 m
USDQ1, 2017

Net Income

5.1 m

Depreciation and Amortization

867 k

Accounts Receivable

(790 k)

Cash From Operating Activities

8.3 m

Cash From Investing Activities

(11.4 m)

Interest Paid

2.3 m

First Defiance Financial Corporation Market Value History

First Defiance Financial Corporation Online and Social Media Presence

First Defiance Financial Corporation Company Life and Culture

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