Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. FFD Financial's annualized positive value of Interest Expense for the quarter that ended in Jun. 2025 was $16.01 Mil. FFD Financial's average total debt for the quarter that ended in Jun. 2025 was $5.01 Mil. Therefore, FFD Financial's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2025 was 319.62%.
FFD Financial (OTCPK:FFDF) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
FFD Financial Effective Interest Rate on Debt % Related Terms
FFD Financial Effective Interest Rate on Debt % Historical Data
* Premium members only.
The historical data trend for FFD Financial's Effective Interest Rate on Debt % 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.
FFD Financial Effective Interest Rate on Debt % Chart
FFDF vs FMBM, WRIV, CBBI: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, FFD Financial's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, FFD Financial's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where FFD Financial's Effective Interest Rate on Debt % 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is one times the annual (Jun. 2025) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 319.62% mean?
FFD Financial (FFDF) has a Effective Interest Rate on Debt % of 319.62% as of Jun. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on FFD Financial and its competitors.
Is FFD Financial's Effective Interest Rate on Debt % too high?
FFD Financial's current Effective Interest Rate on Debt % is 319.62%. 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 Effective Interest Rate on Debt % compare to FMBM and WRIV?
FFD Financial's Effective Interest Rate on Debt % of 319.62% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on FFD Financial and its competitors. FFD Financial's current Effective Interest Rate on Debt % is 319.62%. 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 $42.19, compared to a current price of $45.06 — trading 6.8% above its estimated fair value. The current Effective Interest Rate on Debt % is 319.62%. 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 Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For FFD Financial (FFDF), the current Effective Interest Rate on Debt % is 319.62% 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 $45.06 is trading 6.8% above its estimated GF Value™ of $42.19.
GuruFocus considers FFD Financial to be Fairly Valued.
Key valuation signals for FFDF:
Effective Interest Rate on Debt %: 319.62%
GF Value™: $42.19 vs. price of $45.06 (6.8% above fair value)
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
Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FFDF has been successfully added to your 
