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FFDF (FFD Financial) Cyclically Adjusted PB Ratio : 2.84 (As of May. 27, 2025)


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What is FFD Financial Cyclically Adjusted PB Ratio?

As of today (2025-05-27), FFD Financial's current share price is $33.51. FFD Financial's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2024 was $11.81. FFD Financial's Cyclically Adjusted PB Ratio for today is 2.84.

The historical rank and industry rank for FFD Financial's Cyclically Adjusted PB Ratio or its related term are showing as below:

FFDF' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 2.38   Med: 3.03   Max: 4.49
Current: 2.85

During the past years, FFD Financial's highest Cyclically Adjusted PB Ratio was 4.49. The lowest was 2.38. And the median was 3.03.

FFDF's Cyclically Adjusted PB Ratio is ranked worse than
92.74% of 1281 companies
in the Banks industry
Industry Median: 1.01 vs FFDF: 2.85

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

FFD Financial's adjusted book value per share data for the three months ended in Jun. 2024 was $22.663. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $11.81 for the trailing ten years ended in Jun. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


FFD Financial Cyclically Adjusted PB Ratio Historical Data

The historical data trend for FFD Financial's Cyclically Adjusted PB Ratio 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.

* Premium members only.

FFD Financial Cyclically Adjusted PB Ratio Chart

FFD Financial Annual Data
Trend Jun10 Jun11 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.79 2.89 3.57 2.98 2.29

FFD Financial Quarterly Data
Mar11 Jun11 Sep11 Dec11 Mar12 Jun17 Jun18 Jun19 Mar20 Jun20 Dec20 Mar21 Jun21 Dec21 Mar22 Jun22 Dec22 Mar23 Jun23 Jun24
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.57 3.31 3.19 2.98 2.29

Competitive Comparison of FFD Financial's Cyclically Adjusted PB Ratio

For the Banks - Regional subindustry, FFD Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, FFD Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where FFD Financial's Cyclically Adjusted PB Ratio falls into.


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FFD Financial Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

FFD Financial's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=33.51/11.81
=2.84

* 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's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2024 is calculated as:

For example, FFD Financial's adjusted Book Value per Share data for the three months ended in Jun. 2024 was:

Adj_Book=Book Value per Share/CPI of Jun. 2024 (Change)*Current CPI (Jun. 2024)
=22.663/132.5538*132.5538
=22.663

Current CPI (Jun. 2024) = 132.5538.

FFD Financial Quarterly Data

Book Value per Share CPI Adj_Book
200603 5.046 84.298 7.935
200606 5.134 85.606 7.950
200609 5.200 85.606 8.052
200612 5.273 85.142 8.209
200703 5.330 86.640 8.155
200706 5.490 87.906 8.278
200709 5.606 87.964 8.448
200712 5.728 88.616 8.568
200803 5.665 90.090 8.335
200806 5.651 92.320 8.114
200809 5.700 92.307 8.185
200812 5.899 88.697 8.816
200903 5.883 89.744 8.689
200906 5.903 91.003 8.598
200909 5.930 91.120 8.627
200912 5.900 91.111 8.584
201003 5.962 91.821 8.607
201006 6.032 91.962 8.695
201009 6.108 92.162 8.785
201012 6.114 92.474 8.764
201103 6.167 94.283 8.670
201106 6.251 95.235 8.701
201109 6.376 95.727 8.829
201112 6.408 95.213 8.921
201203 6.497 96.783 8.898
201706 10.135 103.349 12.999
201806 11.258 106.317 14.036
201906 13.086 108.070 16.051
202003 0.000 108.902 0.000
202006 14.887 108.767 18.143
202012 0.000 109.897 0.000
202103 16.638 111.754 19.735
202106 17.356 114.631 20.070
202112 18.542 117.630 20.895
202203 0.000 121.301 0.000
202206 17.790 125.017 18.863
202212 18.708 125.222 19.803
202303 19.631 127.348 20.434
202306 20.271 128.729 20.873
202406 22.663 132.554 22.663

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


FFD Financial  (OTCPK:FFDF) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


FFD Financial Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of FFD Financial's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


FFD Financial Business Description

Traded in Other Exchanges
N/A
Address
141 W Ohio Avenue, PO Box 38, Dover, OH, USA, 44622
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.

FFD Financial Headlines

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