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FFD FinancialFFDF 72 Earnings per Share (Diluted) is $4.27 as of Jun. 2025. GuruFocus rates FFDF with a GF Score™ of 72/100 and a GF Value™ of $42.46 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,415 Banks companies, FFD Financial ranks better than 61.48% on this metric.
FFD Financial's EPS (Basic) for the
six
months ended in Jun. 2025 was $4.28.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Jun. 2025 was $4.28.
During the past 12 months, FFD Financial's average EPS without NRIGrowth Rate was 8.70% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 11.50% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 12.20% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 27.00% per year.
During the past 13 years, FFD Financial's highest 3-Year average EPS without NRI Growth Rate was 72.70% per year. The lowest was -21.70% per year. And the median was 11.15% per year.
FFD Financial (OTCPK:FFDF) Earnings per Share (Diluted) Explanation
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 EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
FFD Financial Earnings per Share (Diluted) Related Terms
FFD Financial Earnings per Share (Diluted) Historical Data
* Premium members only.
The historical data trend for FFD Financial's Earnings per Share (Diluted) 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: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, FFD Financial's PE Ratio, along with its competitors' market caps and PE 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, FFD Financial's PE Ratio distribution charts can be found below:
* The bar in red indicates where FFD Financial's PE Ratio falls into.
FFD Financial Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
FFD Financial's Earnings Per Share (Diluted) for the fiscal year that ended in Jun. 2025 is calculated as
For stock reported annually, GuruFocus uses latest annual data as the TTM data. Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2025 was $4.27
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $4.27 mean?
FFD Financial (FFDF) has a Earnings per Share (Diluted) of $4.27 as of Jun. 2025. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on FFD Financial and its competitors. According to the industry distribution chart, FFD Financial ranks #545 out of 1415 companies in the Banks industry, placing it in the top 38.5%.
Is FFD Financial's Earnings per Share (Diluted) too high?
FFD Financial's current Earnings per Share (Diluted) is $4.27. The Banks industry median Earnings per Share (Diluted) is 7.30. FFD Financial's value of $4.27 is 41.5% below this industry median. Based on the distribution chart, FFD Financial ranks #545 out of 1415 companies in the Banks industry, which is above the industry midpoint. 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 Earnings per Share (Diluted) compare to FMBM and WRIV?
According to the Banks industry distribution chart, FFD Financial ranks #545 out of 1415 companies for Earnings per Share (Diluted). This puts FFD Financial in the upper half of its industry. The industry median Earnings per Share (Diluted) is 7.30. FFD Financial's value of $4.27 is 41.5% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.30, based on 1,415 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FFD Financial's current Earnings per Share (Diluted) of $4.27 is 41.5% 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on FFD Financial and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFD Financial's current Earnings per Share (Diluted) is $4.27. 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 $42.46, compared to a current price of $45.45 — trading 7% above its estimated fair value. The current Earnings per Share (Diluted) is $4.27 and 41.5% below 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 Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For FFD Financial (FFDF), the current Earnings per Share (Diluted) is $4.27 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 $45.45 is trading 7% above its estimated GF Value™ of $42.46.
GuruFocus considers FFD Financial to be Fairly Valued.
Key valuation signals for FFDF:
Earnings per Share (Diluted): $4.27
GF Value™: $42.46 vs. price of $45.45 (7% above fair value)
Industry Position: 41.5% below the Banks median (#545 of 1415)
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
Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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