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FFD FinancialFFDF 72 3-Year FCF Growth Rate is 9.30% as of Jun. 2025, which is 34% below its 10-year median of 14.10. GuruFocus rates FFDF with a GF Score™ of 72/100 and a GF Value™ of $43.08 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,048 Banks companies, FFD Financial ranks better than 63.84% on this metric.
During the past 12 months, FFD Financial's average Free Cash Flow per Share Growth Rate was 6.40% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 9.30% per year.
During the past 5 years, the average Free Cash Flow per Share Growth Rate was 25.70% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
During the past 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of FFD Financial was 100.10% per year. The lowest was -39.40% per year. And the median was 14.10% per year.
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
FFD Financial 3-Year FCF Growth Rate Related Terms
FFDF vs OFED, FCPB, CTUY: 3-Year FCF Growth Rate Comparison
For the Banks - Regional subindustry, FFD Financial's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF Growth Rate 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 3-Year FCF Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, FFD Financial's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where FFD Financial's 3-Year FCF Growth Rate falls into.
This is the 3-year average growth rate of Free Cash Flow per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
FFD Financial (FFDF) has a 3-Year FCF Growth Rate of 9.30% as of Jun. 2025. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for FFD Financial and its competitors. This is 34% below median its historical median of 14.10. According to the industry distribution chart, FFD Financial ranks #379 out of 1048 companies in the Banks industry, placing it in the top 36.2%.
Is FFD Financial's 3-Year FCF Growth Rate too high?
FFD Financial's current 3-Year FCF Growth Rate of 9.30% is 34% below median its 10-year median of 14.10. The Banks industry median 3-Year FCF Growth Rate is 0.45. FFD Financial's value of 9.30% is 1966.7% above this industry median. Based on the distribution chart, FFD Financial ranks #379 out of 1048 companies in the Banks industry, which is above the industry midpoint. 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 3-Year FCF Growth Rate compare to OFED and FCPB?
According to the Banks industry distribution chart, FFD Financial ranks #379 out of 1048 companies for 3-Year FCF Growth Rate. This puts FFD Financial in the upper half of its industry. The industry median 3-Year FCF Growth Rate is 0.45. FFD Financial's value of 9.30% is 1966.7% above this benchmark. While the company's 10-year median is 14.10 vs. the industry median of 0.45, 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 3-Year FCF Growth Rate for a Banks company?
The median 3-Year FCF Growth Rate among Banks companies is 0.45, based on 1,048 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FFD Financial's current 3-Year FCF Growth Rate of 9.30% is 1966.7% 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 3-Year FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for FFD Financial and its competitors. For the Banks industry, the median 3-Year FCF Growth Rate is 0.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFD Financial's current 3-Year FCF Growth Rate is 9.30%, which is 34% below median its own 10-year median of 14.10. 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 $43.08, compared to a current price of $47.75 — trading 10.8% above its estimated fair value. The current 3-Year FCF Growth Rate is 9.30%, which is 34% below median its 10-year median of 14.10 and 1966.7% above the Banks industry median of 0.45. FFD Financial's overall GF Score™ is 72/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For FFD Financial (FFDF), the current 3-Year FCF Growth Rate is 9.30% 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 $47.75 is trading 10.8% above its estimated GF Value™ of $43.08.
GuruFocus considers FFD Financial to be Modestly Overvalued.
Key valuation signals for FFDF:
3-Year FCF Growth Rate: 9.30% (34% below median its 10-year median of 14.10)
GF Value™: $43.08 vs. price of $47.75 (10.8% above fair value)
Industry Position: 1966.7% above the Banks median (#379 of 1048)
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
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3-Year FCF Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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