FFD Financial Corp FFDF

FinancialsBanking ServicesUnited States of America

Last close 49.75 USD on Nov 1, 2026, +36.9% year to date

Quant rating

Quant rating D Rank 691 of 799 in Financials

Growth D 609 of 799
Valuation D 698 of 799
Quality D 671 of 799
Revisions D 617 of 799
Momentum B 220 of 799

Historical valuation

Valuation history unavailable.

Key data

Market cap: 145M
Enterprise value: 145M
52-week range: 35.97 – 51.50
3-year range: 26.30 – 51.50
Dividend yield: 3.38%
Beta (5 years): 0.34
Shares outstanding: 2.9M
Next earnings: –

About the company

FFD Financial Corporation is a bank holding company. The Company's activities are primarily limited to holding the stock of its wholly owned subsidiary, First Federal Community Bank, National Association (the Bank). The Bank conducts general banking business in its market area of Tuscarawas, Holmes and contiguous counties in Ohio, which consists primarily of attracting deposits from the public and applying those funds to the origination of loans for residential, consumer and nonresidential purposes. The Bank’s personal banking services include personal checking, debit card, credit cards, personal savings, personal loans and account services. Its business banking includes business checking, business debit card, business credit cards, business savings, business loans, account services and cash management. The Bank offers various loans and mortgages, including home mortgage loans, personal loans, credit cards, business loans, and business credit cards.

Growth and profitability

Growth and profitability by fiscal year
	2011	2010	2009	2008	2007	5Y avg
Revenue (mil)	10.6	10.3	10.5	11.8	11.5	–
Revenue growth	2.4%	−1.5%	−11.4%	3.0%	21.1%	2.2%
EPS (basic, normalized)	0.45	0.32	0.34	0.36	0.48	–
EPS growth	40.9%	−7.8%	−5.0%	−25.3%	25.6%	3.0%
Gross margin	–	–	–	–	–	–
Net margin	12.8%	9.3%	10.1%	9.9%	14.1%	11.2%
ROE	–	–	–	–	8.9%	8.9%

Balance sheet, last quarter
Cash & short-term investments (mil)	–
Tier 1 risk-adjusted capital ratio	–
Long-term debt (mil)	0
Net debt (mil)	–
Total equity (mil)	19.8
Net debt / equity	–

Estimates and valuation

Consensus estimates and implied multiples
	Sales (mil)			Book value per share			EPS
Fiscal year	Mean est.	Growth	EV/Sales	Mean est.	Growth	P/B	Mean est.	Growth	P/E
2011 actual	10.6	+2.4%	13.7x	–	–	–	–	–	–

Estimate revisions

Change in consensus estimates over 1, 3 and 6 months
	Sales				EPS
Fiscal year	Estimate (mil)	1M	3M	6M	Estimate	1M	3M	6M
2012	–	–	–	–	–	–	–	–
2013	–	–	–	–	–	–	–	–
2014	–	–	–	–	–	–	–	–

Earnings surprises

Reported results versus consensus, last 10 fiscal quarters
	FQ-9	FQ-8	FQ-7	FQ-6	FQ-5	FQ-4	FQ-3	FQ-2	FQ-1	FQ0
Sales reported (mil)	–	–	–	–	–	–	–	–	–	–
Sales mean (mil)	–	–	–	–	–	–	–	–	–	–
Surprise	–	–	–	–	–	–	–	–	–	–
EPS reported	–	–	–	–	–	–	–	–	–	–
EPS mean	–	–	–	–	–	–	–	–	–	–
Surprise	–	–	–	–	–	–	–	–	–	–

FQ0 is the most recent reported quarter, FQ-1 the one before, and so on.

Peer comparison Banking Services

Peers in the same industry group, by market capitalization
Company	Market cap	Tier 1 ratio	Net margin	Deposits/loans	FY1 P/E	FY2 P/E	FY1 P/B	FY2 P/B
FFDF FFD Financial Corp	145M	–	12.8%	1.02x	–	–	–	–
HRGG Heritage NOLA Bancorp Inc	26M	–	6.2%	0.87x	–	–	–	–
Mean		–	9.5%	0.94x	–	–	–	–
Median		–	9.5%	0.94x	–	–	–	–

Technical analysis

1M+1.5%
3M+5.5%
1Y+39.9%
3Y+92.7%

Financial statements in millions of USD

Income statement in millions of USD, fiscal years

Income statement, FFD Financial Corp, fiscal years, most recent first
	2011	2010	2009	2008	2007	2006
Interest income	10.6	10.3	10.5	11.8	11.5	9.5
Total interest expense	3.0	3.7	4.2	5.1	5.0	3.6
Net interest income	7.6	6.6	6.3	6.7	6.5	5.8
Loan loss provision	0.8	0.5	0.4	0.9	0.3	0.2
Net interest income after loan loss provision	6.7	6.1	5.8	5.8	6.2	5.7
Non-interest income	1.1	0.9	0.7	0.6	0.6	0.6
Non-interest expense	−5.8	−5.5	−5.0	−4.6	−4.3	−4.2
Net income before taxes	2.1	1.5	1.6	1.8	2.5	2.1
Provision for taxes	0.7	0.5	0.6	0.6	0.8	0.7
Minority interest & equity in affiliates	–	–	–	–	–	–
Other	0	0	0	0	0	0
Net income before extraordinary items	1.4	1.0	1.1	1.2	1.6	1.4
Extraordinary items	–	–	–	–	–	–
Net income	1.4	1.0	1.1	1.2	1.6	1.4
Basic weighted average shares (mil)	3.0	3.0	3.1	3.2	3.4	3.5
Diluted weighted average shares (mil)	3.0	3.0	3.1	3.3	3.4	3.6
Basic EPS excluding extraordinary items	0.45	0.32	0.34	0.36	0.48	0.38
Basic EPS, normalized	0.45	0.32	0.34	0.36	0.48	0.38

Balance sheet in millions of USD, fiscal years

Balance sheet, FFD Financial Corp, fiscal years, most recent first
	2011	2010	2009	2008	2007	2006
Assets
Cash & due from banks	1.4	1.1	1.2	1.7	1.9	1.4
Other earning assets	29.7	20.0	21.5	19.7	13.9	13.4
Net loans	182	179	161	156	154	144
Property, plant & equipment	3.9	4.0	3.4	2.6	2.3	2.0
Goodwill	–	–	–	–	–	–
Intangibles	0.7	0.7	0.6	0.7	–	–
Long-term investments	–	–	–	–	–	–
Other long-term assets	–	–	–	–	–	–
Other assets	1.6	1.9	0.9	0.9	1.0	0.8
Total assets	220	206	189	182	173	161
Liabilities
Accounts payable	0.1	0.1	0.2	0.2	0.2	0.2
Payable/accrued	–	–	–	–	–	–
Accrued expenses	–	–	–	–	–	–
Total deposits	185	171	154	141	140	122
Other bearing liabilities	13.1	13.7	13.9	20.6	13.1	18.4
Short-term borrowings	0.6	0.6	0.8	0	–	–
Current portion of long-term debt	–	–	–	–	–	–
Long-term debt	0	0	0	0	0	0
Minority interest	–	–	–	–	–	–
Other liabilities	1.6	2.4	2.7	1.4	1.7	2.3
Total liabilities	201	188	171	164	155	143
Shareholders' equity
Preferred stock	–	–	–	–	–	–
Common stock	0	–	–	0	0	0
Additional paid-in capital	8.3	8.3	8.3	8.3	8.3	8.1
Retained earnings (accumulated deficit)	16.7	16.0	15.8	15.3	14.9	13.7
Treasury stock	−6.1	−6.1	−6.1	−5.3	−4.9	−3.3
Other equity	0	0	−0.1	−0.1	0	−0.2
Total equity	19.0	18.3	17.9	18.2	18.1	18.4
Total liabilities & shareholders' equity	220	206	189	182	173	161

Cash flow statement in millions of USD, fiscal years

Cash flow statement, FFD Financial Corp, fiscal years, most recent first
	2011	2010	2009	2008	2007	2006
Operating activities
Net income	1.4	1.0	1.1	1.2	1.6	1.4
Depreciation, depletion & amortization	0.6	0.5	0.4	0.3	0.3	0.3
Deferred taxes	0	0	−0.1	−0.1	0.1	0.1
Non-cash items	−0.1	−0.1	0.1	−0.1	0.2	0.1
Changes in working capital	1.5	−2.2	1.2	1.4	−0.3	0.3
Cash from operations	3.2	−0.8	2.7	2.7	1.9	2.1
Investing activities
Capital expenditures	−0.2	−0.8	−1.0	−0.5	−0.5	−0.1
Other investing cash flows	−8.2	−19.8	−6.0	−5.9	−10.5	−12.5
Cash from investing	−8.4	−20.6	−7.0	−6.5	−10.9	−12.6
Financing activities
Financing cash flow items	13.1	17.5	5.6	8.9	12.7	11.0
Cash dividends paid	−0.7	−0.7	−0.7	−0.7	−0.6	−0.6
Issuance (retirement) of debt, net	–	–	–	–	–	–
Other financing cash flows	0	−0.2	0.1	−0.4	−1.6	0
Cash from financing	12.5	16.7	5.0	7.8	10.4	10.4
Foreign exchange effects	–	–	–	–	–	–
Net change in cash	7.3	−4.7	0.7	4.0	1.3	−0.1
Free cash flow	3.0	−1.6	1.7	2.2	1.4	2.0

Disclaimer

The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.

This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.

QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.

Live quote provided by TradingView. Report data updated Nov 1, 2026 after market close.