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FFD FinancialFFDF 74 Intrinsic Value: Projected FCF is $61.39 as of Aug. 10, 2026, which is 8310% above its 10-year median of 0.73. GuruFocus rates FFDF with a GF Score™ of 74/100 and a GF Value™ of $42.80 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,304 Banks companies, FFD Financial ranks worse than 69.48% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-10), FFD Financial's Intrinsic Value: Projected FCF is $61.39. The stock price of FFD Financial is $47.64. Therefore, FFD Financial's Price-to-Intrinsic-Value-Projected-FCF of today is 0.8.
The historical rank and industry rank for FFD Financial's Intrinsic Value: Projected FCF or its related term are showing as below:
FFDF'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.5 Med: 0.73 Max: 0.87
Current: 0.78
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of FFD Financial was 0.87. The lowest was 0.50. And the median was 0.73.
FFDF's Price-to-Projected-FCF is ranked worse than 69.48% of 1304
companies
in the Banks industry
Industry Median: 0.59
vs FFDF: 0.78
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
FFD Financial's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
47.64
/
=
* 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 Intrinsic Value: Projected FCF Related Terms
FFD Financial Intrinsic Value: Projected FCF Historical Data
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The historical data trend for FFD Financial's Intrinsic Value: Projected FCF 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 CMRB, LSBK, CHBH: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, FFD Financial's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, FFD Financial's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where FFD Financial's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
What does a Intrinsic Value: Projected FCF of $61.39 mean?
FFD Financial (FFDF) has a Intrinsic Value: Projected FCF of $61.39 as of Aug. 10, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on FFD Financial and its competitors. This is 8310% above median its historical median of 0.73. Over the past decade, FFD Financial's Intrinsic Value: Projected FCF has ranged from 0.50 to 0.87. According to the industry distribution chart, FFD Financial ranks #906 out of 1304 companies in the Banks industry, placing it in the top 69.5%.
Is FFD Financial's Intrinsic Value: Projected FCF too high?
FFD Financial's current Intrinsic Value: Projected FCF of $61.39 is 8310% above median its 10-year median of 0.73. Over the past 10 years, this metric has ranged from a low of 0.50 to a high of 0.87. The Banks industry median Intrinsic Value: Projected FCF is 0.59. FFD Financial's value of $61.39 is 10305.1% above this industry median. Based on the distribution chart, FFD Financial ranks #906 out of 1304 companies in the Banks industry, which is below the industry midpoint. Overall, FFD Financial has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FFD Financial's Intrinsic Value: Projected FCF compare to CMRB and LSBK?
According to the Banks industry distribution chart, FFD Financial ranks #906 out of 1304 companies for Intrinsic Value: Projected FCF. This places FFD Financial in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.59. FFD Financial's value of $61.39 is 10305.1% above this benchmark. Historically, FFD Financial's own Intrinsic Value: Projected FCF has ranged from 0.50 to 0.87 over the past decade. While the company's 10-year median is 0.73 vs. the industry median of 0.59, 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 Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.59, based on 1,304 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FFD Financial's current Intrinsic Value: Projected FCF of $61.39 is 10305.1% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on FFD Financial and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFD Financial's current Intrinsic Value: Projected FCF is $61.39, which is 8310% above median its own 10-year median of 0.73. 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 $42.80, compared to a current price of $47.64 — trading 11.3% above its estimated fair value. The current Intrinsic Value: Projected FCF is $61.39, which is 8310% above median its 10-year median of 0.73 and 10305.1% above the Banks industry median of 0.59. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For FFD Financial (FFDF), the current Intrinsic Value: Projected FCF is $61.39 as of Aug. 10, 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 $47.64 is trading 11.3% above its estimated GF Value™ of $42.80.
GuruFocus considers FFD Financial to be Modestly Overvalued.
Key valuation signals for FFDF:
Intrinsic Value: Projected FCF: $61.39 (8310% above median its 10-year median of 0.73)
GF Value™: $42.80 vs. price of $47.64 (11.3% above fair value)
Industry Position: 10305.1% above the Banks median (#906 of 1304)
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
Get the complete analysis for FFDF
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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