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FFD FinancialOTCPK:FFDF Stock Report

Market Cap







26 Sep, 2021


Company Financials
FFDF fundamental analysis
Snowflake Score
Future Growth0/6
Past Performance4/6
Financial Health6/6

FFDF Overview

FFD Financial Corporation operates as the bank holding company for First Federal Community Bank, National Association that provides various banking products and services.

FFD Financial Competitors

United Bancorp



Potomac Bancshares



Consumers Bancorp



Andover Bancorp



Price History & Performance

Summary of all time highs, changes and price drops for FFD Financial
Historical stock prices
Current Share PriceUS$73.75
52 Week HighUS$66.27
52 Week LowUS$78.00
1 Month Change-2.91%
3 Month Change1.58%
1 Year Change11.30%
3 Year Change50.50%
5 Year Change120.15%
Change since IPO602.38%

Recent News & Updates

Shareholder Returns

FFDFUS BanksUS Market

Return vs Industry: FFDF underperformed the US Banks industry which returned 80% over the past year.

Return vs Market: FFDF underperformed the US Market which returned 35.3% over the past year.

Price Volatility

Is FFDF's price volatile compared to industry and market?
FFDF volatility
FFDF Beta0.26
Industry Beta1.37
Market Beta1

Stable Share Price: Insufficient data to determine FFDF's volatility over the past 3 months.

Volatility Over Time: Insufficient data to determine FFDF's volatility change over the past year.

About the Company

1898n/aTrent Troyer

FFD Financial Corporation operates as the bank holding company for First Federal Community Bank, National Association that provides various banking products and services. The company accepts checking and savings accounts. Its loan products include auto, boat, personal, term, commercial real estate, equipment, and home mortgage loans; and home equity and business lines of credit.

FFD Financial Fundamentals Summary

How do FFD Financial's earnings and revenue compare to its market cap?
FFDF fundamental statistics
Market CapUS$72.50m
Earnings (TTM)US$8.82m
Revenue (TTM)US$20.87m


P/E Ratio


P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
FFDF income statement (TTM)
Cost of RevenueUS$0
Gross ProfitUS$20.87m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date


Earnings per share (EPS)8.97
Gross Margin100.00%
Net Profit Margin42.25%
Debt/Equity Ratio30.6%

How did FFDF perform over the long term?

See historical performance and comparison



Current Dividend Yield


Payout Ratio


Is FFD Financial undervalued compared to its fair value and its price relative to the market?


Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: FFDF ($73.75) is trading below our estimate of fair value ($136.41)

Significantly Below Fair Value: FFDF is trading below fair value by more than 20%.

Price To Earnings Ratio

PE vs Industry: FFDF is good value based on its PE Ratio (8.2x) compared to the US Banks industry average (11x).

PE vs Market: FFDF is good value based on its PE Ratio (8.2x) compared to the US market (17.9x).

Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate FFDF's PEG Ratio to determine if it is good value.

Price to Book Ratio

PB vs Industry: FFDF is overvalued based on its PB Ratio (1.4x) compared to the US Banks industry average (1.1x).

Future Growth

How is FFD Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?


Forecasted Banks industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as FFD Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.

Past Performance

How has FFD Financial performed over the past 5 years?


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: FFDF has high quality earnings.

Growing Profit Margin: FFDF's current net profit margins (42.3%) are higher than last year (39.3%).

Past Earnings Growth Analysis

Earnings Trend: FFDF's earnings have grown by 18.9% per year over the past 5 years.

Accelerating Growth: FFDF's earnings growth over the past year (26.6%) exceeds its 5-year average (18.9% per year).

Earnings vs Industry: FFDF earnings growth over the past year (26.6%) underperformed the Banks industry 36%.

Return on Equity

High ROE: FFDF's Return on Equity (17.2%) is considered low.

Financial Health

How is FFD Financial's financial position? (This company is analysed differently as a bank or financial institution)

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: FFDF's Assets to Equity ratio (11.5x) is moderate.

Allowance for Bad Loans: FFDF has a sufficient allowance for bad loans (624%).

Low Risk Liabilities: 96% of FFDF's liabilities are made up of primarily low risk sources of funding.

Loan Level: FFDF has an appropriate level of Loans to Assets ratio (74%).

Low Risk Deposits: FFDF's Loans to Deposits ratio (85%) is appropriate.

Level of Bad Loans: FFDF has an appropriate level of bad loans (0.1%).


What is FFD Financial current dividend yield, its reliability and sustainability?


Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: FFDF's dividend (2.82%) is higher than the bottom 25% of dividend payers in the US market (1.33%).

High Dividend: FFDF's dividend (2.82%) is low compared to the top 25% of dividend payers in the US market (3.6%).

Stability and Growth of Payments

Stable Dividend: FFDF's dividends per share have been stable in the past 10 years.

Growing Dividend: FFDF's dividend payments have increased over the past 10 years.

Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (20.4%), FFDF's dividend payments are well covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.

Next Steps


How experienced are the management team and are they aligned to shareholders interests?


Average board tenure


Trent Troyer (58 yo)



Mr. Trent B. Troyer serves as a Director of COCC Inc. (Connecticut On-Line Computer Center Inc.). Mr. Troyer has served as the President and Chief Executive of FFD Financial Corporation and First Federal C...

Board Members

Experienced Board: FFDF's board of directors are considered experienced (6.9 years average tenure).


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

FFD Financial Corporation's employee growth, exchange listings and data sources

Key Information

  • Name: FFD Financial Corporation
  • Ticker: FFDF
  • Exchange: OTCPK
  • Founded: 1898
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$72.495m
  • Shares outstanding: 982.99k
  • Website:

Number of Employees


  • FFD Financial Corporation
  • 321 North Wooster Avenue
  • Dover
  • Ohio
  • 44622-0038
  • United States


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/09/26 22:08
End of Day Share Price2021/09/22 00:00
Annual Earnings2021/06/30

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.