OTCPK:FFDF

Stock Analysis Report

Executive Summary

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

Snowflake

Fundamentals

Flawless balance sheet average dividend payer.

Risks

  • FFD Financial is not covered by any analysts.

Similar Companies

Share Price & News

How has FFD Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.6%

OTCPK:FFDF

-2.6%

US Banks

-1.0%

US Market


1 Year Return

12.2%

OTCPK:FFDF

-14.2%

US Banks

-0.4%

US Market

FFDF outperformed the Banks industry which returned -16.1% over the past year.

FFDF outperformed the Market in United States of America which returned -1.7% over the past year.


Share holder returns

FFDFIndustryMarket
7 Day0.6%-2.6%-1.0%
30 Day4.5%-5.5%-3.3%
90 Day3.7%-3.5%0.4%
1 Year15.8%12.2%-11.8%-14.2%1.8%-0.4%
3 Year82.9%67.0%42.2%32.4%39.4%30.4%
5 Year172.5%132.6%53.3%36.7%54.2%37.1%

Price Volatility Vs. Market

How volatile is FFD Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is FFD Financial undervalued based on future cash flows and its price relative to the stock market?

26%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

FFD Financial's share price is below the future cash flow value, and at a moderate discount (> 20%).

FFD Financial's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

FFD Financial is good value based on earnings compared to the US Banks industry average.

FFD Financial is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for FFD Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

FFD Financial is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

-2.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if FFD Financial is high growth as no revenue estimate data is available.

FFD Financial's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.

Unable to compare FFD Financial's revenue growth to the United States of America market average as no estimate data is available.

FFD Financial's earnings are expected to decrease over the next 1-3 years, this is below the United States of America market average.

FFD Financial's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if FFD Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has FFD Financial performed over the past 5 years?

18.2%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

FFD Financial's year on year earnings growth rate has been positive over the past 5 years.

FFD Financial's 1-year earnings growth exceeds its 5-year average (29.7% vs 18.2%)

FFD Financial's earnings growth has not exceeded the US Banks industry average in the past year (29.7% vs 33.2%).


Return on Equity

FFD Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

FFD Financial used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if FFD Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

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

FFD Financial has an acceptable proportion of non-loan assets held.

FFD Financial has a sufficient allowance for bad loans.

FFD Financial's liabilities are made up of primarily low risk sources of funding.

FFD Financial's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at FFD Financial are broadly funded by customer deposits.

FFD Financial has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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

2.26%

Current Dividend Yield


Dividend Yield and Payments Analysis

FFD Financial's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.5%).

FFD Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.9%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (5.1x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of FFD Financial's salary, the management and board of directors tenure and is there insider trading?

15.8yrs

Average management tenure


CEO

Trent Troyer (56yo)

18.8yrs

Tenure

Mr. Trent B. Troyer has served as the President and Chief Executive of FFD Financial Corporation (“FFD Financial”) and First Federal Community Bank, National Association since October 2000. Mr. Troyer serv ...


Management Age and Tenure

15.8yrs

Average Tenure

53yo

Average Age

The average tenure for the FFD Financial management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

4.8yrs

Average Tenure

66yo

Average Age

The tenure for the FFD Financial board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Stephenie Wilson

    Vice President of Human Resources - First Federal Community Bank

  • Kristofer Kreinbihl

    Vice President of First Federal Community Bank

  • Greg Dorris (43yo)

    Senior VP

    • Tenure: 5.6yrs
  • Scott Finnell (50yo)

    Executive Vice President

    • Tenure: 16.8yrs
    • Compensation: $153.28k
  • Matthew Miller

    Vice President of First Federal Community Bank

  • Kerry Egler-Whytsell

    Vice President of Loan Administration & Mortgage Banking

  • Michele Larkin

    Senior Vice President

  • Carol Slemmer

    Banking Officer & Executive Administrator of First Federal Community Bank

  • Trent Troyer (56yo)

    President

    • Tenure: 18.8yrs
  • Sally O’Donnell (65yo)

    Senior VP & Corporate Secretary

    • Tenure: 14.8yrs
    • Compensation: $101.83k

Board Members

  • Steve Clinton (66yo)

    Chairman of the Board

    • Tenure: 4.8yrs
    • Compensation: $21.00k
  • Rick Brinkman (64yo)

    Director

    • Tenure: 16.6yrs
    • Compensation: $21.00k
  • Bob Sensel (74yo)

    Director Emeritus

    • Tenure: 2.8yrs
    • Compensation: $20.20k
  • Matt Beachy (51yo)

    Director

    • Tenure: 6.0yrs
  • Dave Kaufman (69yo)

    Director

    • Tenure: 11.8yrs
    • Compensation: $20.20k
  • Doug Bambeck (45yo)

    Director

    • Tenure: 4.8yrs
  • Len Gundy (70yo)

    Director

    • Tenure: 17.6yrs
    • Compensation: $20.20k
  • Cork Loader (82yo)

    Director Emeritus

    • Tenure: 4.8yrs
    • Compensation: $49.47k
  • Trent Troyer (56yo)

    President

    • Tenure: 4.8yrs

Company Information

FFD Financial Corporation's company bio, 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$54.592m
  • Shares outstanding: 992.58k
  • Website: Click here

Number of Employees


Location

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

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
FFDFOTCPK (Pink Sheets LLC)YesCommon StockUSUSDApr 1996

Biography

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


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/16 23:37
End of Day Share Price2019/08/15 00:00
Earnings2019/06/30
Annual Earnings2019/06/30


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.