Thursday's Financial Winners & Losers

Financial Federal(FIF Quote) lost ground after the New York-based credit services company missed Wall Street's fourth-quarter earnings expectations by a penny.

The company reported income of $11.5 million, or 43 cents a share, compared with $9.6 million, or 37 cents a share, a year ago. Analysts polled by Thomson Financial were looking for earnings of 44 cents a share. For the full year, the company posted earnings of $43.6 million, or $1.65 a share, compared with $36.7 million, or $1.41 a share a year ago. Shares fell $1.47, or 5.14%, to $27.12.

Lincoln National(LNC Quote) slipped after the Philadelphia-based insurer was downgraded by Credit Suisse to neutral from outperform. Shares were trading down 62 cents, or nearly 1%, to $62.51.

Dollar Financial(DLLR Quote) gained after the Pennsylvania-based check-cashing store operator said it received a sufficient number of votes from note-holders to approve changes to the terms of a $198.7 million debt issue. Shares climbed 31 cents, or 1.7%, to $21.86.

First Charter(FCTR Quote) said it declared a 19.5-cents-a-share dividend on its common stock. The dividend, which is unchanged from prior quarters, is payable on Oct. 24 to shareholders of record Oct. 13. Shares were off 2 cents to $24.69.

Luminent Mortgage Capital(LUM Quote) gained after the San Francisco-based company raised its dividend 50% to 30 cents a share. Shares gained 14 cents, or 1.37%, to $10.37 recently.