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FFWFFWC 51 Debt-to-Equity is 0.20 as of Jun. 2025, which is 300% above its 10-year median of 0.05. GuruFocus rates FFWC with a GF Score™ of 51/100 and a GF Value™ of $47.20 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,418 Banks companies, FFW ranks better than 76.38% 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 FFW's Debt-to-Equity or its related term are showing as below:
FFWC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.05 Med: 0.05 Max: 0.2
Current: 0.2
During the past 13 years, the highest Debt-to-Equity Ratio of FFW was 0.20. The lowest was 0.05. And the median was 0.05.
FFWC's Debt-to-Equity is ranked better than 76.38% of 1418
companies
in the Banks industry
Industry Median: 0.57
vs FFWC: 0.20
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.
FFW Debt-to-Equity Related Terms
FFW Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for FFW'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.
FFWC vs NIDB, MFBP, BSPA: Debt-to-Equity Comparison
For the Banks - Regional subindustry, FFW'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.
FFW Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, FFW's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where FFW'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.
FFW (FFWC) has a Debt-to-Equity of 0.20 as of Jun. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on FFW and its competitors. This is 300% above median its historical median of 0.05. Over the past decade, FFW's Debt-to-Equity has ranged from 0.05 to 0.20. According to the industry distribution chart, FFW ranks #335 out of 1418 companies in the Banks industry, placing it in the top 23.6%.
Is FFW's Debt-to-Equity too high?
FFW's current Debt-to-Equity of 0.20 is 300% above median its 10-year median of 0.05. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.20. The Banks industry median Debt-to-Equity is 0.57. FFW's value of 0.20 is 64.9% below this industry median. Based on the distribution chart, FFW ranks #335 out of 1418 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, FFW has a GF Score™ of 51/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does FFW's Debt-to-Equity compare to NIDB and MFBP?
According to the Banks industry distribution chart, FFW ranks #335 out of 1418 companies for Debt-to-Equity. This places FFW in the top 24% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.57. FFW's value of 0.20 is 64.9% below this benchmark. Historically, FFW's own Debt-to-Equity has ranged from 0.05 to 0.20 over the past decade. While the company's 10-year median is 0.05 vs. the industry median of 0.57, FFW 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 0.57, based on 1,418 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. FFW's current Debt-to-Equity of 0.20 is 64.9% 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 FFW and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFW's current Debt-to-Equity is 0.20, which is 300% above median its own 10-year median of 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FFW stock overvalued right now?
Based on GuruFocus' analysis, FFW (FFWC) is currently considered Fairly Valued. The stock's GF Value™ is $47.20, compared to a current price of $52.05 — trading 10.3% above its estimated fair value. The current Debt-to-Equity is 0.20, which is 300% above median its 10-year median of 0.05 and 64.9% below the Banks industry median of 0.57. FFW's overall GF Score™ is 51/100 with 6 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 FFW (FFWC), the current Debt-to-Equity is 0.20 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 FFW (FFWC) Overvalued in 2026?
Based on GuruFocus' analysis, FFW stock appears to be overvalued.
The current stock price of $52.05 is trading 10.3% above its estimated GF Value™ of $47.20.
GuruFocus considers FFW to be Fairly Valued.
Key valuation signals for FFWC:
Debt-to-Equity: 0.20 (300% above median its 10-year median of 0.05)
GF Value™: $47.20 vs. price of $52.05 (10.3% above fair value)
Industry Position: 64.9% below the Banks median (#335 of 1418)
No single metric tells the full story. See the FFWC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FFW Corp operates in the United States provides various financial products and services. The company offers various deposit services, digital banking, savings loans, mortgage loans, business loans, and insurance services. It earns its revenue from interest and dividends earned on loans, investment securities, and other financial securities. Its main office in Wabash and six Indiana banking centers located in Columbia City, North Manchester, Peru, South Whitley, Syracuse and Warsaw.
51GF Score
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