FFD FinancialFFDF -0.51%72 Debt-to-Equity is 0.07 as of Jun. 2025, which is 72% below its 10-year median of 0.25. GuruFocus rates FFDF with a GF Score™ of 72/100 and a GF Value™ of $42.33 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,424 Banks companies, FFD Financial ranks better than 91.99% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for FFD Financial's Debt-to-Equity or its related term are showing as below:
FFDF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.25 Max: 0.4
Current: 0.07
During the past 13 years, the highest Debt-to-Equity Ratio of FFD Financial was 0.40. The lowest was 0.01. And the median was 0.25.
FFDF's Debt-to-Equity is ranked better than 91.99% of 1424
companies
in the Banks industry
Industry Median: 0.56
vs FFDF: 0.07
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
FFD Financial Debt-to-Equity Related Terms
FFD Financial Debt-to-Equity Historical Data
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The historical data trend for FFD Financial's Debt-to-Equity 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.
FFDF vs FMBM, WRIV, CBBI: Debt-to-Equity Comparison
For the Banks - Regional subindustry, FFD Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, FFD Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where FFD Financial's Debt-to-Equity 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 Debt-to-Equity of 0.07 as of Jun. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on FFD Financial and its competitors. This is 72% below median its historical median of 0.25. Over the past decade, FFD Financial's Debt-to-Equity has ranged from 0.01 to 0.40. According to the industry distribution chart, FFD Financial ranks #114 out of 1424 companies in the Banks industry, placing it in the top 8%.
Is FFD Financial's Debt-to-Equity too high?
FFD Financial's current Debt-to-Equity of 0.07 is 72% below median its 10-year median of 0.25. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.40. The Banks industry median Debt-to-Equity is 0.56. FFD Financial's value of 0.07 is 87.5% below this industry median. Based on the distribution chart, FFD Financial ranks #114 out of 1424 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 Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does FFD Financial's Debt-to-Equity compare to FMBM and WRIV?
According to the Banks industry distribution chart, FFD Financial ranks #114 out of 1424 companies for Debt-to-Equity. This places FFD Financial in the top 8% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.56. FFD Financial's value of 0.07 is 87.5% below this benchmark. Historically, FFD Financial's own Debt-to-Equity has ranged from 0.01 to 0.40 over the past decade. While the company's 10-year median is 0.25 vs. the industry median of 0.56, FFD Financial has consistently been below 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,424 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FFD Financial's current Debt-to-Equity of 0.07 is 87.5% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on FFD Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFD Financial's current Debt-to-Equity is 0.07, which is 72% below median its own 10-year median of 0.25. 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 Fairly Valued. The stock's GF Value™ is $42.33, compared to a current price of $45.02 — trading 6.4% above its estimated fair value. The current Debt-to-Equity is 0.07, which is 72% below median its 10-year median of 0.25 and 87.5% below the Banks industry median of 0.56. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For FFD Financial (FFDF), the current Debt-to-Equity is 0.07 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 $45.02 is trading 6.4% above its estimated GF Value™ of $42.33.
GuruFocus considers FFD Financial to be Fairly Valued.
Key valuation signals for FFDF:
Debt-to-Equity: 0.07 (72% below median its 10-year median of 0.25)
GF Value™: $42.33 vs. price of $45.02 (6.4% above fair value)
Industry Position: 87.5% below the Banks median (#114 of 1424)
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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Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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