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FFD FinancialFFDF +0.49%72 Cash-to-Debt is 16.21 as of Jun. 2025, which is 166% above its 10-year median of 6.09. GuruFocus rates FFDF with a GF Score™ of 72/100 and a GF Value™ of $42.74 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,484 Banks companies, FFD Financial ranks better than 86.99% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. FFD Financial's cash to debt ratio for the quarter that ended in Jun. 2025 was 16.21.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, FFD Financialcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2025.
The historical rank and industry rank for FFD Financial's Cash-to-Debt or its related term are showing as below:
FFDF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 2.89 Med: 6.09 Max: 156.98
Current: 16.21
During the past 13 years, FFD Financial's highest Cash to Debt Ratio was 156.98. The lowest was 2.89. And the median was 6.09.
FFDF's Cash-to-Debt is ranked better than 86.99% of 1484
companies
in the Banks industry
Industry Median: 1.38
vs FFDF: 16.21
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
FFD Financial Cash-to-Debt Related Terms
FFD Financial Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for FFD Financial's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, FFD Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
FFD Financial Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, FFD Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where FFD Financial's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FFD Financial (FFDF) has a Cash-to-Debt of 16.21 as of Jun. 2025. This is 166% above median its historical median of 6.09. Over the past decade, FFD Financial's Cash-to-Debt has ranged from 2.89 to 156.98. According to the industry distribution chart, FFD Financial ranks #193 out of 1484 companies in the Banks industry, placing it in the top 13%.
Is FFD Financial's Cash-to-Debt too high?
FFD Financial's current Cash-to-Debt of 16.21 is 166% above median its 10-year median of 6.09. Over the past 10 years, this metric has ranged from a low of 2.89 to a high of 156.98. The Banks industry median Cash-to-Debt is 1.38. FFD Financial's value of 16.21 is 1074.6% above this industry median. Based on the distribution chart, FFD Financial ranks #193 out of 1484 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, FFD Financial has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FFD Financial's Cash-to-Debt compare to CMRB and LSBK?
According to the Banks industry distribution chart, FFD Financial ranks #193 out of 1484 companies for Cash-to-Debt. This places FFD Financial in the top 13% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.38. FFD Financial's value of 16.21 is 1074.6% above this benchmark. Historically, FFD Financial's own Cash-to-Debt has ranged from 2.89 to 156.98 over the past decade. While the company's 10-year median is 6.09 vs. the industry median of 1.38, FFD Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,484 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FFD Financial's current Cash-to-Debt of 16.21 is 1074.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFD Financial's current Cash-to-Debt is 16.21, which is 166% above median its own 10-year median of 6.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FFD Financial stock overvalued right now?
Based on GuruFocus' analysis, FFD Financial (FFDF) is currently considered Modestly Overvalued. The stock's GF Value™ is $42.74, compared to a current price of $47.64 — trading 11.5% above its estimated fair value. The current Cash-to-Debt is 16.21, which is 166% above median its 10-year median of 6.09 and 1074.6% above the Banks industry median of 1.38. FFD Financial's overall GF Score™ is 72/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For FFD Financial (FFDF), the current Cash-to-Debt is 16.21 as of Jun. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is FFD Financial (FFDF) Overvalued in 2026?
Based on GuruFocus' analysis, FFD Financial stock appears to be overvalued.
The current stock price of $47.64 is trading 11.5% above its estimated GF Value™ of $42.74.
GuruFocus considers FFD Financial to be Modestly Overvalued.
Key valuation signals for FFDF:
Cash-to-Debt: 16.21 (166% above median its 10-year median of 6.09)
GF Value™: $42.74 vs. price of $47.64 (11.5% above fair value)
Industry Position: 1074.6% above the Banks median (#193 of 1484)
No single metric tells the full story. See the FFDF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FFD Financial Corp is a bank holding company. It acts as a holding company for First Federal Community Bank. The bank offers personal and business banking products and services. The company's personal products and services include personal checking, debit cards, credit cards, personal savings, personal loans, and account services. The business products and services include business checking, business debit cards, business credit cards, business savings, business loans, account services, and cash management. The bank also offers loans and mortgages, which include personal loans, credit cards, and business loans. Its services and tools include account services and cash management.
72GF Score
Get the complete analysis for FFDF
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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