FFD FinancialFFDF +0.02%72 OCF Margin % is 45.29% as of Jun. 2025, which is 1% above its 10-year median of 44.78. 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 70.56% on this metric.
The historical rank and industry rank for FFD Financial's OCF Margin % or its related term are showing as below:
FFDF'
s OCF Margin % Range Over the Past 10 Years
Min: 28.74 Med: 44.78 Max: 52.84
Current: 45.29
During the past 13 years, the highest OCF Margin % of FFD Financial was 52.84%. The lowest was 28.74%. And the median was 44.78%.
FFDF's OCF Margin % is ranked better than 70.56% of 1505
companies
in the Banks industry
Industry Median: 29.44
vs FFDF: 45.29
FFD Financial OCF Margin % Related Terms
FFD Financial OCF Margin % Historical Data
* Premium members only.
The historical data trend for FFD Financial's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, FFD Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where FFD Financial's OCF 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 OCF Margin % of 45.29% as of Jun. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on FFD Financial and its competitors. This is near median its historical median of 44.78. Over the past decade, FFD Financial's OCF Margin % has ranged from 28.74 to 52.84. According to the industry distribution chart, FFD Financial ranks #443 out of 1505 companies in the Banks industry, placing it in the top 29.4%.
Is FFD Financial's OCF Margin % too high?
FFD Financial's current OCF Margin % of 45.29% is near median its 10-year median of 44.78. Over the past 10 years, this metric has ranged from a low of 28.74 to a high of 52.84. The Banks industry median OCF Margin % is 29.44. FFD Financial's value of 45.29% is 53.8% above this industry median. Based on the distribution chart, FFD Financial ranks #443 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 OCF Margin % compare to WRIV and PNBK?
According to the Banks industry distribution chart, FFD Financial ranks #443 out of 1505 companies for OCF Margin %. This puts FFD Financial in the upper half of its industry. The industry median OCF Margin % is 29.44. FFD Financial's value of 45.29% is 53.8% above this benchmark. Historically, FFD Financial's own OCF Margin % has ranged from 28.74 to 52.84 over the past decade. While the company's 10-year median is 44.78 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FFD Financial's current OCF Margin % of 45.29% is 53.8% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on FFD Financial and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFD Financial's current OCF Margin % is 45.29%, which is near median its own 10-year median of 44.78. 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 OCF Margin % is 45.29%, which is near median its 10-year median of 44.78 and 53.8% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For FFD Financial (FFDF), the current OCF Margin % is 45.29% 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:
OCF Margin %: 45.29% (near median its 10-year median of 44.78)
GF Value™: $42.19 vs. price of $45.06 (6.8% above fair value)
Industry Position: 53.8% above the Banks median (#443 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
Get the complete analysis for FFDF
OCF Margin % 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 
