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Ffd Financial
(OTC:FFDF)
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Rating:81Outperform
Price Target:
$51.00
▲(6.81% Upside)
Action:Reiterated
Date:03/24/26
The score is driven primarily by strong financial performance (high profitability, strengthened low-leverage balance sheet, and strong ROE) and a favorable valuation (low P/E with a solid dividend). Technicals add moderate support due to a broader uptrend, but mixed near-term momentum keeps the score from being higher.
Positive Factors
Conservative leverage
Very 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.
Negative Factors
Margin compression
A 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage
Very 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.
Read all positive factors
Ffd Financial (FFDF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$139.44M
Dividend Yield2.77%
Average Volume (3M)377.00
Price to Earnings (P/E)9.9
Beta (1Y)0.06
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees100
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding2,904,968
10 Day Avg. Volume327
30 Day Avg. Volume377
Financial Highlights & Ratios
PEG Ratio0.25
Price to Book (P/B)1.48
Price to Sales (P/S)2.43
P/FCF Ratio7.50
Enterprise Value/Market Cap0.44
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
Ffd Financial Business Overview & Revenue Model
Company Description
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 account...
How the Company Makes Money
FFD Financial Corporation primarily generates revenue through interest income from its lending activities, including mortgages, personal loans, and commercial loans. The difference between the interest income earned on loans and the interest paid ...
Ffd Financial Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
88
Very Positive
Cash Flow
74
Positive
| Breakdown | TTM | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 0.00 | 53.69M | 47.67M | 42.50M | 32.44M | 24.29M |
| Gross Profit | 0.00 | 37.90M | 31.67M | 28.48M | 26.43M | 22.86M |
| EBITDA | 0.00 | 20.66M | 15.83M | 14.86M | 14.18M | 11.43M |
| Net Income | 0.00 | 16.33M | 12.52M | 11.61M | 11.12M | 9.13M |
Balance Sheet | ||||||
| Total Assets | 0.00 | 993.45M | 849.00M | 785.66M | 733.46M | 652.85M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 128.02M | 81.05M | 97.49M | 91.57M | 72.27M |
| Total Debt | 0.00 | 5.00M | 5.67M | 5.02M | 15.04M | 15.07M |
| Total Liabilities | 0.00 | 905.18M | 776.06M | 718.69M | 673.48M | 600.30M |
| Stockholders Equity | 0.00 | 88.27M | 72.94M | 66.97M | 59.98M | 52.55M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 17.42M | 11.22M | 10.62M | 12.45M | 8.67M |
| Operating Cash Flow | 0.00 | 17.89M | 14.34M | 11.11M | 12.49M | 12.08M |
| Investing Cash Flow | 0.00 | -95.23M | -82.47M | -47.05M | -61.18M | -72.70M |
| Financing Cash Flow | 0.00 | 124.31M | 51.69M | 41.86M | 67.99M | 57.51M |
Ffd Financial Technical Analysis
Positive
47.75
Price Trends
47.20
Positive
46.22
Positive
43.09
Positive
Market Momentum
0.32
Negative
60.98
Neutral
51.70
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FFDF, the sentiment is Positive. The current price of 47.75 is below the 20-day moving average (MA) of 47.99, above the 50-day MA of 47.20, and above the 200-day MA of 43.09, indicating a bullish trend. The MACD of 0.32 indicates Negative momentum. The RSI at 60.98 is Neutral, neither overbought nor oversold. The STOCH value of 51.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FFDF.
Ffd Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $139.44M | 9.88 | ― | 2.77% | ― | ― | |
78 Outperform | $142.62M | 16.04 | 5.91% | 2.00% | 5.96% | 49.37% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $144.30M | 43.77 | 1.80% | 1.07% | 6.46% | 1.90% | |
52 Neutral | $115.43M | -12.92 | -7.10% | 0.33% | 15.58% | 99.36% |
* Financial Sector Average
FFDF
Ffd Financial
49.00
14.37
41.52%
LSBK
Lake Shore Bancorp
17.96
5.16
40.35%
PNBK
Patriot National Bancorp
0.97
-0.46
-32.17%
SRBK
SR Bancorp, Inc.
19.62
4.62
30.81%
HYNE
Hoyne Bancorp, Inc.
16.50
2.50
17.86%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.