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FFD FinancialFFDF 72 3-Year EPS without NRI Growth Rate is 11.50% as of Jun. 2025, which is 3% above its 10-year median of 11.15. GuruFocus rates FFDF with a GF Score™ of 72/100 and a GF Value™ of $42.68 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,413 Banks companies, FFD Financial ranks better than 61.29% on this metric.
During the past 12 months, FFD Financial's average EPS without NRI Growth Rate was 8.70% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 11.50% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 12.20% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 27.00% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of FFD Financial was 72.70% per year. The lowest was -21.70% per year. And the median was 11.15% per year.
FFD Financial (OTCPK:FFDF) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
FFD Financial 3-Year EPS without NRI Growth Rate Related Terms
FFDF vs CMRB, LSBK, CHBH: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, FFD Financial's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, FFD Financial's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where FFD Financial's 3-Year EPS without NRI Growth Rate falls into.
FFD Financial 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 11.50% mean?
FFD Financial (FFDF) has a 3-Year EPS without NRI Growth Rate of 11.50% as of Jun. 2025. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for FFD Financial and its competitors. This is near median its historical median of 11.15. According to the industry distribution chart, FFD Financial ranks #547 out of 1413 companies in the Banks industry, placing it in the top 38.7%.
Is FFD Financial's 3-Year EPS without NRI Growth Rate too high?
FFD Financial's current 3-Year EPS without NRI Growth Rate of 11.50% is near median its 10-year median of 11.15. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.30. FFD Financial's value of 11.50% is 57.5% above this industry median. Based on the distribution chart, FFD Financial ranks #547 out of 1413 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 EPS without NRI Growth Rate compare to CMRB and LSBK?
According to the Banks industry distribution chart, FFD Financial ranks #547 out of 1413 companies for 3-Year EPS without NRI Growth Rate. This puts FFD Financial in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.30. FFD Financial's value of 11.50% is 57.5% above this benchmark. While the company's 10-year median is 11.15 vs. the industry median of 7.30, 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 EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.30, based on 1,413 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 11.50% is 57.5% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for FFD Financial and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFD Financial's current 3-Year EPS without NRI Growth Rate is 11.50%, which is near median its own 10-year median of 11.15. 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 $42.68, compared to a current price of $47.17 — trading 10.5% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 11.50%, which is near median its 10-year median of 11.15 and 57.5% above the Banks industry median of 7.30. 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For FFD Financial (FFDF), the current 3-Year EPS without NRI Growth Rate is 11.50% 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 $47.17 is trading 10.5% above its estimated GF Value™ of $42.68.
GuruFocus considers FFD Financial to be Modestly Overvalued.
Key valuation signals for FFDF:
3-Year EPS without NRI Growth Rate: 11.50% (near median its 10-year median of 11.15)
GF Value™: $42.68 vs. price of $47.17 (10.5% above fair value)
Industry Position: 57.5% above the Banks median (#547 of 1413)
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
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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