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Ffd Financial (FFDF) Price & Analysis

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FFDF Stock Chart & Stats

$36.21

$0.00(0.00%)

At close: Jan 07 4:00 PM EST

$36.21

$0.00(0.00%)

Day’s Range― - ―

52-Week Range$35.25 - $47.92

Previous CloseN/A

Volume599.00

Average Volume (3M)447.00

Market Cap

$138.37M

Enterprise Value$61.74M

Total Cash (Recent Filing)$0.00

Total Debt (Recent Filing)$0.00

Price to Earnings (P/E)9.7

Beta0.05

Next EarningsN/A

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield2.82%

Share Statistics

EPS (TTM)N/A

Shares Outstanding2,948,958

10 Day Avg. Volume626

30 Day Avg. Volume447

Financial Highlights & Ratios

PEG Ratio0.92

Price to Book (P/B)1.40

Price to Sales (P/S)2.15

P/FCF Ratio9.13

Enterprise Value/Market Cap0.45

Enterprise Value/RevenueN/A

Enterprise Value/Gross ProfitN/A

Enterprise Value/EbitdaN/A

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Conservative LeverageVery low and falling debt-to-equity (~0.08 in 2025) combined with consistently strong ROE (~16–19%) reduces insolvency risk and provides regulatory and strategic cushion. This balance-sheet strength supports organic loan growth and capital returns without immediate external funding needs.

Strong Profitability & Revenue ScalingA sharp revenue and earnings step-up in 2025 (annual revenue ~+317% vs 2024) alongside healthy operating and net margins (~32% and ~26%) indicates scalable core banking operations. Durable profitability enhances internal capital generation to fund loan growth, reserves, and shareholder distributions over the medium term.

Solid Cash GenerationOperating cash flow improved to ~$14.3M and free cash flow was positive (~$11.2M) in 2025, providing recurring internal funding. Reliable cash generation supports dividends, reinvestment in lending capacity and balance-sheet flexibility, reducing reliance on volatile external financing over time.

Bears Say

Margin CompressionA material net-margin decline from ~38% in 2022 to ~26% in 2025 signals persistent pressure from funding costs, competitive pricing, or rising expenses. If this structural trend continues it will erode internal capital, limit ROE upside and constrain the bank's ability to build reserves or expand lending without external capital.

Variable Cash-flow ConversionFree-cash-flow has been uneven—negative in 2021, weaker in 2024, then rebounding in 2025—indicating inconsistent cash conversion. This variability complicates capital planning, makes dividends and organic growth less predictable, and raises sensitivity to loan prepayment cycles or credit stress.

Asset Sensitivity To ShocksThe bank's balance sheet remains asset-heavy relative to equity (typical for banks), meaning that despite low reported debt, credit losses or rapid interest-rate shifts could materially affect capital. This inherent asset leverage increases vulnerability to economic downturns and could necessitate capital raises or lending restrictions.

FFDF FAQ

What was Ffd Financial Corp.’s price range in the past 12 months?

Ffd Financial Corp. lowest stock price was $35.25 and its highest was $47.92 in the past 12 months.

What is Ffd Financial Corp.’s market cap?

Ffd Financial Corp.’s market cap is $138.37M.

When is Ffd Financial Corp.’s upcoming earnings report date?

The company’s upcoming earnings report date is not yet available.

How were Ffd Financial Corp.’s earnings last quarter?

Currently, no data Available

Is Ffd Financial Corp. overvalued?

According to Wall Street analysts Ffd Financial Corp.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Ffd Financial Corp. pay dividends?

Ffd Financial Corp. pays a Quarterly dividend of $0.34 which represents an annual dividend yield of 2.82%. See more information on Ffd Financial Corp. dividends here

What is Ffd Financial Corp.’s EPS estimate?

Ffd Financial Corp.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Ffd Financial Corp. have?

Ffd Financial Corp. has 2,948,958 shares outstanding.

What happened to Ffd Financial Corp.’s price movement after its last earnings report?

Currently, no data Available

Which hedge fund is a major shareholder of Ffd Financial Corp.?

Currently, no hedge funds are holding shares in FFDF

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Ffd Financial Stock Smart Score

Neutral

Technicals

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Company Description

Ffd Financial Corp.

FFD Financial Corporation serves as the parent entity for First Federal Community Bank, National Association, providing a comprehensive range of banking solutions and financial services. The company's core offerings include various deposit accounts for both personal and business needs, such as checking and savings options. For lending, FFD Financial Corporation extends a diverse portfolio of credit facilities, encompassing personal loans for vehicles and boats, general personal loans, term loans, commercial real estate financing, equipment loans, and home mortgages. Additionally, it offers lines of credit specifically for home equity and business purposes. Beyond standard banking, the corporation issues debit and credit cards and provides property and casualty insurance products. Clients can also utilize numerous auxiliary services like cash management, overdraft protection, electronic statements, direct deposit, convenient bill payment, wire transfers, secure safe deposit boxes, night deposit facilities, and traditional teller services. Modern digital access is robust, with online, telephone, and mobile banking capabilities available. The company maintains a physical presence across several Ohio communities, operating branches in Dover, New Philadelphia, Uhrichsville, Berlin, Mt. Hope, and Sugarcreek. FFD Financial Corporation was established in 1898 and its principal base of operations is located in Dover, Ohio.