FFD FinancialFFDF +0.02%72 Net Margin % is 39.52% as of Jun. 2025, which is 1% above its 10-year median of 39.20. 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 1,527 Banks companies, FFD Financial ranks better than 83.43% on this metric.
Net margin is calculated as Net Income divided by its Revenue. FFD Financial's Net Income for the
six
months ended in Jun. 2025 was $12.52 Mil. FFD Financial's Revenue for the
six
months ended in Jun. 2025 was $31.67 Mil. Therefore, FFD Financial's net margin for the quarter that ended in Jun. 2025 was 39.52%.
The historical rank and industry rank for FFD Financial's Net Margin % or its related term are showing as below:
FFDF'
s Net Margin % Range Over the Past 10 Years
Min: 15.51 Med: 39.2 Max: 42.06
Current: 39.52
FFDF's Net Margin % is ranked better than 83.43% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FFDF: 39.52
FFD Financial (OTCPK:FFDF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
FFD Financial Net Margin % Related Terms
FFD Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for FFD Financial's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, FFD Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where FFD Financial's Net 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 Net Margin % of 39.52% as of Jun. 2025. Net margin is the ratio of total net income to net sales. View historical data on FFD Financial and its competitors. This is near median its historical median of 39.20. Over the past decade, FFD Financial's Net Margin % has ranged from 15.51 to 42.06. According to the industry distribution chart, FFD Financial ranks #253 out of 1527 companies in the Banks industry, placing it in the top 16.6%.
Is FFD Financial's Net Margin % too high?
FFD Financial's current Net Margin % of 39.52% is near median its 10-year median of 39.20. Over the past 10 years, this metric has ranged from a low of 15.51 to a high of 42.06. The Banks industry median Net Margin % is 26.95. FFD Financial's value of 39.52% is 46.6% above this industry median. Based on the distribution chart, FFD Financial ranks #253 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Net Margin % compare to WRIV and PNBK?
According to the Banks industry distribution chart, FFD Financial ranks #253 out of 1527 companies for Net Margin %. This places FFD Financial in the top 17% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. FFD Financial's value of 39.52% is 46.6% above this benchmark. Historically, FFD Financial's own Net Margin % has ranged from 15.51 to 42.06 over the past decade. While the company's 10-year median is 39.20 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FFD Financial's current Net Margin % of 39.52% is 46.6% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on FFD Financial and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFD Financial's current Net Margin % is 39.52%, which is near median its own 10-year median of 39.20. 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 Net Margin % is 39.52%, which is near median its 10-year median of 39.20 and 46.6% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For FFD Financial (FFDF), the current Net Margin % is 39.52% 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:
Net Margin %: 39.52% (near median its 10-year median of 39.20)
GF Value™: $42.19 vs. price of $45.06 (6.8% above fair value)
Industry Position: 46.6% above the Banks median (#253 of 1527)
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
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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