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
Price History & Performance
|Historical stock prices|
|Current Share Price||US$73.75|
|52 Week High||US$66.27|
|52 Week Low||US$78.00|
|1 Month Change||-2.91%|
|3 Month Change||1.58%|
|1 Year Change||11.30%|
|3 Year Change||50.50%|
|5 Year Change||120.15%|
|Change since IPO||602.38%|
Recent News & Updates
|FFDF||US Banks||US 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.
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
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
|FFDF fundamental statistics|
Is FFDF overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|FFDF income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||8.97|
|Net Profit Margin||42.25%|
How did FFDF perform over the long term?See historical performance and comparison
2.8%Current Dividend Yield
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).
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.
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.
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
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.
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...
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
FFD Financial Corporation's employee growth, exchange listings and data sources
- 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: https://www.firstfed.com
Number of Employees
- FFD Financial Corporation
- 321 North Wooster Avenue
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/26 22:08|
|End of Day Share Price||2021/09/22 00:00|
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.