First Federal Of Northern Michigan Bancorp (FFNM) Growth Rates Comparisons to Regional Banks Industry, Sector, Market. Sales, Income, EPS
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First Federal Of Northern Michigan Bancorp, Inc.  (FFNM)
    Sector • Financial    Industry • Regional Banks
   Industry • Regional Banks
   Sector • Financial
 

First Federal Of Northern Michigan Bancorp Growth Comparisons

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FFNM Revenue Growth Rate Comparisons Company Industry Sector S&P 500
Y / Y Revenue Growth (Q3 MRQ) -31.08 % 3.05 % -6.15 % 1.28 %
Q / Q Revenue Growth (Q3 MRQ) -2.22 % 1.23 % -2.35 % 5.89 %
Y / Y Revenue Growth (for 12 months ending Q3 TTM) -10.65 % 11.63 % -3.36 % %
Sequential Revenue Growth (for 12 months ending Q3 TTM) -10.04 % 0.44 % -3.64 % -15.34 %
Revenue 5 Year Average Growth - 15.88 % 9.53 % 10.95 %


FFNM's Growth Comparisons in III. Quarter 2015




First Federal Of Northern Michigan Bancorp's Revenue were slashed by -31.08% in the third quarter 2015 from the same quarter a year ago, to $ 3 millions, while revenue in theRegional Banks industry grew by 3.05%, and underperformed the -6.15% Revenue decrease in the Financial sector. Comparing the third quarter, revenue First Federal Of Northern Michigan Bancorp, Inc. was trailing overall market not just Regional Banks industry.

Top-line fell by -2.22% from the second quarter. Average annual revenue growth for First Federal Of Northern Michigan Bancorp is %, while S & P 500's average yearly revenue increase is 10.95%, including only Businesses with the third quarter 2015 financial results.


Growth Rates of FFNM's Income in the third quarter 2015


FFNM Operating Income Growth Rates Comparisons Company Industry Sector S&P 500
Y / Y Operating Income Change (Q3 MRQ) -85.32 % -31.02 % -37.4 % -6.54 %
Sequential Operating Income Change (Q3 MRQ) -37.63 % 13.89 % -36.71 % 6.54 %
Y / Y Operating Income Growth (Q3 TTM) -0.41 % 105.19 % 404.1 % 14.04 %
Sequential Operating Income Growth (Q3 TTM) -46.14 % 2.09 % -9.92 % -22.01 %
Operating Income 5 Year Avg. Change - 46.9 % 49.96 % 19.84 %


Income from Cont. Ops. Growth Rates Comparisons Company Industry Sector S&P 500
Y / Y Income from Cont. Ops. Change (Q3 MRQ) 16.89 % 8.97 % -13.2 % -16.12 %
Sequential Income from Cont. Ops. Change (Q3 MRQ) 396.58 % -3.45 % -24.99 % -0.83 %
Y / Y Income from Cont. Ops. Change (Q3 TTM) 69.33 % 28.14 % -10.38 % -9.7 %
Sequential Income from Cont. Ops. Change (Q3 TTM) 10.21 % 5 % -5.87 % -21.06 %
Income from Cont. Ops. 5 Year Avg. Change - 37.41 % 91.81 % 21.51 %

FFNM Net Income Growth Rates Comparisons Company Industry Sector S&P 500
Y / Y Net Income Growth (Q3 MRQ) 16.89 % 9.39 % -8.3 % -14.4 %
Q / Q Net Income Growth (Q3 MRQ) 396.58 % -4.04 % -22.87 % 1.71 %
Y / Y Net Income Change (Q3 TTM) -21.07 % 31.96 % -33.78 % -11.03 %
Sequential Net Income Change (Q3 TTM) 10.21 % 7.72 % -4.68 % -22.27 %
Net Income 5 Year Avg. Growth - - - 21.67 %

FFNM's EPS Growth Rates


EPS from Cont. Ops. Growth Rates Comparisons Company Industry Sector S&P 500
Y / Y EPS from Cont. Ops. Change (Q3 MRQ) -3.77 % 7.49 % -13.2 % -16.12 %
Sequential EPS from Cont. Ops. Change (Q3 MRQ) 410 % -3.67 % -24.99 % -0.83 %
Y / Y EPS from Cont. Ops. Change (Q3 TTM) 42.11 % 59.99 % - -
Sequential EPS from Cont. Ops. Change (Q3 TTM) -2.41 % 1.63 % - -18.56 %
EPS from Cont. Ops. 5 Year Avg. Growth - 8.47 % 91.81 % 21.51 %



FFNM EPS Net Growth Rates Comparisons Company Industry Sector S&P 500
Y / Y EPS Net Growth (Q3 MRQ) -3.77 % 7.91 % -8.3 % -14.4 %
Q / Q EPS Net Growth (Q3 MRQ) 410 % -4.26 % -22.87 % 1.71 %
Y / Y EPS Net Change (for 12 months ending Q3 TTM) - 17.85 % -99.99 % -8.3 %
Sequential EPS Net Change (for 12 months ending Q3 TTM) -2.41 % 1.51 % -26.49 % -22.13 %
EPS Net 5 Year Avg. Change - - - 21.67 %



Although the Regional Banks industry saw advancing EPS by 7.91%, First Federal Of Northern Michigan Bancorp announced -3.77% year on year income per share decline in the third quarter, to $ 0.51, but less than -8.3% decrease in the Financial sector. Above the average income per share gains in Financial and Regional Banks industry, helped to elevate overall market growth to -14.4%.

The Company's sequential EPS growth rate was very impressive 410% from the second quarter. Average yearly income per share growth for First Federal Of Northern Michigan Bancorp is %, while S & P 500's average annual income per share growth is 21.67% over the five years, including only Businesses with the third quarter 2015 earnings results.

FFNM Cash Flow Growth Rates


Free Cash Flow Growth Rates Company Industry Sector S&P 500
Y / Y Free Cash Flow Change (Q3 MRQ) - 55.87 % - -
Sequential Free Cash Flow Change (Q3 MRQ) -91.63 % 119.75 % - -
Y / Y Free Cash Flow Change (Q3 TTM) - 22.47 % 27.29 % 0.87 %
Sequential Free Cash Flow Change (Q3 TTM) 40.81 % 29.01 % 45.32 % 9.63 %
Free Cash Flow 5 Year Avg. Change - 41.17 % 8.07 % 7.41 %

Net Cash Flow Growth Rates Company Industry Sector S&P 500
Y / Y Net Cash Flow Change (Q3 MRQ) -17.8 % - -38.02 % -
Sequential Net Cash Flow Change (Q3 MRQ) - - - -
Y / Y Net Cash Flow Change (Q3 TTM) -0.77 % - 583.72 % -
Sequential Net Cash Flow Change (Q3 TTM) - 47.8 % 97.71 % -23.31 %
Net Cash Flow 5 Year Avg. Change - - 4.29 % -15.86 %

Capital Expenditures Company Industry Sector S&P 500
Y / Y Capital Expenditures Change (Q3 MRQ) 54.05 % -91.96 % 34.87 % -95.88 %
Sequential Capital Expenditures Change (Q3 MRQ) 173.58 % -90.08 % 13.96 % -94.91 %
Y / Y Capital Expenditures Change (Q3 TTM) 64.56 % -18.82 % 39.6 % -4.14 %
Sequential Capital Expenditures Change (Q3 TTM) 15.62 % -4.76 % 10.12 % -5.45 %
Capital Expenditures 5 Year Avg. Change - 14.05 % 21.44 % 12.23 %

Note
To view Detail Information & Trends click on Individual Category.
To see Industry, Sector or S&P 500 Performance, click on each Category respectivly, on the top of the Table.

For explanation of terms visit: Glossary
 


• Revenue Y/Y
• Op. Income Y/Y
• Cop. Income Y/Y
• Net Income Y/Y
• Eps Cop. Y/Y
• Eps Net Y/Y
• Free Cash Flow Y/Y
• Cash Flow Y/Y
• Capex Y/Y
• Y/Y Annual




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