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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

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Interest Coverage 0.88
FFDF's Interest Coverage is ranked lower than
99.99% of the 1537 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. FFDF: 0.88 )
Ranked among companies with meaningful Interest Coverage only.
FFDF' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.88
Current: 0.88
0
0.88
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 3/10

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» FFDF's 10-Y Financials

Financials (Next Earnings Date: 0)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OTCPK:MBCQ, NAS:WVFC, OTCPK:WEFP, NAS:EQFN, NAS:CFBK, OTCPK:EKFC, OTCBB:HIBE, NAS:CARV, OTCPK:FNFI, OTCBB:PBCP, OTCPK:FIRT, NAS:WAYN, NAS:GTWN, OTCPK:BHWB, OTCPK:SNNY, OTCPK:LTLB, OTCPK:HWEN, NAS:HFBL, NAS:BYFC, OTCPK:ABCWQ » details
FFD Financial Corp is a holding company for First Federal Community Bank, which attracts deposits from individual & business customers & using these deposits to originate loans to individuals & businesses in its market area.

FFD Financial Corp an Ohio corporation formed in 1996, is a savings and loan holding company which owns all of the issued and outstanding common shares of First Federal Community Bank, a federal savings bank. First Federal has conducted business in Tuscarawas County, Ohio since it was incorporated in 1898 as an Ohio savings and loan association under the name 'Dover Building & Loan Company'. First Federal's business involves attracting deposits from individual and business customers and using these deposits to originate loans to individuals and businesses in its market area, which consists of counties in Ohio. First Federal provides deposit products including checking, savings, money market and individual retirement accounts and certificates of deposit, and originates residential and home equity loans, construction loans, nonresidential real estate loans, business loans, and consumer loans. Loan funds are obtained from deposits and loan repayments. Additionally, First Federal provides access to its products and services via its website. First Federal's lending activities are the origination of real estate loans secured by one- to four-family residential properties, nonresidential real estate loans, and commercial loans in First Federal's market area. To a lesser extent, First Federal also originates loans secured by multifamily properties containing five units or more, construction loans, and various types of consumer loans. First Federal makes permanent conventional loans secured by first mortgages on existing one- to four-family residences, mainly single-family residences, mainly located in its market area. First Federal also originates home equity loans secured by mortgages on one- to four-family residential real estate. First Federal originates loans secured by multifamily properties containing five or more units. First Federal makes loans secured by nonresidential real estate such as retail stores, office buildings and other commercial properties, with terms of up to 20 years and a maximum LTV of 85%. First Federal also makes loans secured by improved and unimproved lots for the construction of single-family residences. First Federal makes commercial loans to businesses in its market area which are secured by inventory, equipment, accounts receivable, machinery, personal guarantees or other assets of the borrower. First Federal makes various types of consumer loans, including unsecured loans and loans secured by savings accounts, motor vehicles and boats. First Federal competes for deposits with other savings associations, commercial banks, credit unions, brokerage firms and with the issuers of commercial paper and other securities, such as shares in money market mutual funds. The main factors in competing for deposits are interest rates, convenience and availability of funds and related penalties. First Federal is a federal savings association and is subject to examination and regulatory oversight by the OTS.

Ratios

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Dividend & Buy Back

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Dividend Yield 3.18
FFDF's Dividend Yield is ranked higher than
55% of the 2218 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.95 vs. FFDF: 3.18 )
Ranked among companies with meaningful Dividend Yield only.
FFDF' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0 Max: 3.22
Current: 3.18
0
3.22
Forward Dividend Yield 3.18
FFDF's Forward Dividend Yield is ranked higher than
51% of the 2104 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.14 vs. FFDF: 3.18 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.18
FFDF's Yield on cost (5-Year) is ranked lower than
55% of the 2523 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.51 vs. FFDF: 3.18 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FFDF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 3.22
Current: 3.18
0
3.22

Valuation & Return

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More Statistics

Revenue (TTM) (Mil) $9.17
EPS (TTM) $ 1.49
Beta0.02
Short Percentage of Float0.12%
52-Week Range $26.50 - 33.00
Shares Outstanding (Mil)1.02

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