FFD FinancialFFDF +0.02%72 FCF Margin % is 35.44% as of Jun. 2025, which is 3% below its 10-year median of 36.37. GuruFocus rates FFDF with a GF Score™ of 72/100 and a GF Value™ of $42.19 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,505 Banks companies, FFD Financial ranks better than 64.19% on this metric.
The historical rank and industry rank for FFD Financial's FCF Margin % or its related term are showing as below:
FFDF'
s FCF Margin % Range Over the Past 10 Years
Min: 20.38 Med: 36.37 Max: 45.78
Current: 35.44
During the past 13 years, the highest FCF Margin % of FFD Financial was 45.78%. The lowest was 20.38%. And the median was 36.37%.
FFDF's FCF Margin % is ranked better than 64.19% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs FFDF: 35.44
FFD Financial FCF Margin % Related Terms
FFD Financial FCF Margin % Historical Data
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The historical data trend for FFD Financial's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, FFD Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where FFD Financial's FCF Margin % 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.
FFD Financial (FFDF) has a FCF Margin % of 35.44% as of Jun. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on FFD Financial and its competitors. This is near median its historical median of 36.37. Over the past decade, FFD Financial's FCF Margin % has ranged from 20.38 to 45.78. According to the industry distribution chart, FFD Financial ranks #539 out of 1505 companies in the Banks industry, placing it in the top 35.8%.
Is FFD Financial's FCF Margin % too high?
FFD Financial's current FCF Margin % of 35.44% is near median its 10-year median of 36.37. Over the past 10 years, this metric has ranged from a low of 20.38 to a high of 45.78. The Banks industry median FCF Margin % is 26.55. FFD Financial's value of 35.44% is 33.5% above this industry median. Based on the distribution chart, FFD Financial ranks #539 out of 1505 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 FCF Margin % compare to WRIV and PNBK?
According to the Banks industry distribution chart, FFD Financial ranks #539 out of 1505 companies for FCF Margin %. This puts FFD Financial in the upper half of its industry. The industry median FCF Margin % is 26.55. FFD Financial's value of 35.44% is 33.5% above this benchmark. Historically, FFD Financial's own FCF Margin % has ranged from 20.38 to 45.78 over the past decade. While the company's 10-year median is 36.37 vs. the industry median of 26.55, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FFD Financial's current FCF Margin % of 35.44% is 33.5% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on FFD Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFD Financial's current FCF Margin % is 35.44%, which is near median its own 10-year median of 36.37. 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 FCF Margin % is 35.44%, which is near median its 10-year median of 36.37 and 33.5% above the Banks industry median of 26.55. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For FFD Financial (FFDF), the current FCF Margin % is 35.44% 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:
FCF Margin %: 35.44% (near median its 10-year median of 36.37)
GF Value™: $42.19 vs. price of $45.06 (6.8% above fair value)
Industry Position: 33.5% above the Banks median (#539 of 1505)
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
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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