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Ffd Financial (FFDF) AI Stock Analysis
Ffd Financial
(Other OTC:FFDF)
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.
Ffd Financial (FFDF) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $144.52M
- Dividend Yield
- 2.89%
- Average Volume (3M)
- 1,007
- Price to Earnings (P/E)
- 9.6
- Beta (1Y)
- 0.06
- Revenue Growth
- ―
- EPS Growth
- ―
- Country
- US
- Employees
- 100
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 accounts f...
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 on...
Ffd Financial Financial Statement Overview
Summary
Strong overall financial quality: meaningful revenue and earnings scaling with a sharp 2025 step-up, consistently high profitability, and a strengthened balance sheet with very low and improving leverage plus solid ROE. Offsets include margin compression since 2022 and somewhat uneven cash-flow conversion year-to-year.
Income Statement
86Very PositiveBalance Sheet
88Very PositiveCash Flow
74Positive| Breakdown | TTM | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 0 | 53.69M | 47.67M | 42.50M | 32.44M | 24.29M |
| Gross Profit | 0 | 37.90M | 31.67M | 28.48M | 26.43M | 22.86M |
| EBITDA | 0 | 20.66M | 15.83M | 14.86M | 14.18M | 11.43M |
| Net Income | 0 | 16.33M | 12.52M | 11.61M | 11.12M | 9.13M |
Balance Sheet | ||||||
| Total Assets | 0 | 993.45M | 849.00M | 785.66M | 733.46M | 652.85M |
| Cash, Cash Equivalents and Short-Term Investments | 0 | 128.02M | 81.05M | 97.49M | 91.57M | 72.27M |
| Total Debt | 0 | 5.00M | 5.67M | 5.02M | 15.04M | 15.07M |
| Total Liabilities | 0 | 905.18M | 776.06M | 718.69M | 673.48M | 600.30M |
| Stockholders Equity | 0 | 88.27M | 72.94M | 66.97M | 59.98M | 52.55M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 17.42M | 11.22M | 10.62M | 12.45M | 8.67M |
| Operating Cash Flow | 0 | 17.89M | 14.34M | 11.11M | 12.49M | 12.08M |
| Investing Cash Flow | 0 | -95.23M | -82.47M | -47.05M | -61.18M | -72.70M |
| Financing Cash Flow | 0 | 124.31M | 51.69M | 41.86M | 67.99M | 57.51M |
Ffd Financial Technical Analysis
Price Trends
Market Momentum
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 49.75 is above the 20-day moving average (MA) of 49.14, above the 50-day MA of 48.61, and above the 200-day MA of 45.06, indicating a bullish trend. The MACD of 0.34 indicates Negative momentum. The RSI at 56.40 is Neutral, neither overbought nor oversold. The STOCH value of 33.31 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
Overall Rating
- FFDF81Outperform
LSBK75Outperform
SRBK54Neutral
PNBK52Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| FFDF | 81Outperform | $144.52M | 9.59 | 0.00% | 2.89% | ― | ― |
| LSBK | 75Outperform | $145.41M | 16.69 | 7.78% | 1.93% | 4.31% | 24.16% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| SRBK | 54Neutral | $134.47M | 36.84 | 2.02% | 1.17% | 9.63% | 37.01% |
| PNBK | 52Neutral | $102.88M | -11.09 | -7.10% | ― | 15.58% | 99.36% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| FFDF | Ffd Financial | 49.75 | 14.41 | 40.79% | |
| LSBK | Lake Shore Bancorp | 18.69 | 4.83 | 34.80% | |
| PNBK | Patriot National Bancorp | 0.83 | -0.40 | -32.36% | |
| SRBK | SR Bancorp, Inc. | 18.79 | 4.21 | 28.89% | |
| HYNE | Hoyne Bancorp, Inc. | 18.80 | 4.80 | 34.29% |
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.
Date of analysis: Mar 24, 2026