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FFD FinancialFFDF 74 EV-to-OCF is 4.20 as of Aug. 12, 2026, which is 48% above its 10-year median of 2.84. GuruFocus rates FFDF with a GF Score™ of 74/100 and a GF Value™ of $42.83 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,497 Banks companies, FFD Financial ranks worse than 50.7% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, FFD Financial's Enterprise Value is $60.18 Mil.
FFD Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2025 was $14.34 Mil. Therefore, FFD Financial's EV-to-OCF for today is 4.20.
The historical rank and industry rank for FFD Financial's EV-to-OCF or its related term are showing as below:
FFDF'
s EV-to-OCF Range Over the Past 10 Years
Min: -1.21 Med: 2.84 Max: 6.05
Current: 4.2
During the past 13 years, the highest EV-to-OCF of FFD Financial was 6.05. The lowest was -1.21. And the median was 2.84.
FFDF's EV-to-OCF is ranked worse than 50.7% of 1497
companies
in the Banks industry
Industry Median: 3.99
vs FFDF: 4.20
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
FFD Financial's PE Ratio (TTM) for today is calculated as:
FFD Financial's share price for today is $47.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. FFD Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2025 was $4.270.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
FFD Financial EV-to-OCF Related Terms
FFD Financial EV-to-OCF Historical Data
* Premium members only.
The historical data trend for FFD Financial's EV-to-OCF 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.
For the Banks - Regional subindustry, FFD Financial's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, FFD Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where FFD Financial's EV-to-OCF falls into.
FFD Financial's current Enterprise Value is $60.18 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. FFD Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2025 was $14.34 Mil.
* 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 EV-to-OCF of 4.20 as of Aug. 12, 2026. This is 48% above median its historical median of 2.84. According to the industry distribution chart, FFD Financial ranks #759 out of 1497 companies in the Banks industry, placing it in the top 50.7%.
Is FFD Financial's EV-to-OCF too high?
FFD Financial's current EV-to-OCF of 4.20 is 48% above median its 10-year median of 2.84. The Banks industry median EV-to-OCF is 3.99. FFD Financial's value of 4.20 is 5.3% above this industry median. Based on the distribution chart, FFD Financial ranks #759 out of 1497 companies in the Banks industry, which is below the industry midpoint. Overall, FFD Financial has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does FFD Financial's EV-to-OCF compare to CMRB and LSBK?
According to the Banks industry distribution chart, FFD Financial ranks #759 out of 1497 companies for EV-to-OCF. This places FFD Financial in the lower half of its industry. The industry median EV-to-OCF is 3.99. FFD Financial's value of 4.20 is 5.3% above this benchmark. While the company's 10-year median is 2.84 vs. the industry median of 3.99, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.99, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FFD Financial's current EV-to-OCF of 4.20 is 5.3% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFD Financial's current EV-to-OCF is 4.20, which is 48% above median its own 10-year median of 2.84. 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 $42.83, compared to a current price of $47.00 — trading 9.7% above its estimated fair value. The current EV-to-OCF is 4.20, which is 48% above median its 10-year median of 2.84 and 5.3% above the Banks industry median of 3.99. FFD Financial's overall GF Score™ is 74/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For FFD Financial (FFDF), the current EV-to-OCF is 4.20 as of Aug. 12, 2026. 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 $47.00 is trading 9.7% above its estimated GF Value™ of $42.83.
GuruFocus considers FFD Financial to be Fairly Valued.
Key valuation signals for FFDF:
EV-to-OCF: 4.20 (48% above median its 10-year median of 2.84)
GF Value™: $42.83 vs. price of $47.00 (9.7% above fair value)
Industry Position: 5.3% above the Banks median (#759 of 1497)
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.
74GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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