FFDF (FFD Financial) Dividend Payout Ratio: 0.28 (As of Jun. 2025) — Near Median


FFDF FFD Financial Corp FFDF
72 GF Score
Price $45.06
GF Value $42.19
Valuation Fairly Valued
! 4 Warning Signs
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What is FFD Financial Dividend Payout Ratio?

FFD Financial FFDF +0.02% 72 Dividend Payout Ratio is 0.28 as of Jun. 2025, which is 8% above its 10-year median of 0.26. 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 1,172 Banks companies, FFD Financial ranks better than 60.41% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. FFD Financial's Dividend Payout Ratio for the months ended in Jun. 2025 was 0.28.

The historical rank and industry rank for FFD Financial's Dividend Payout Ratio or its related term are showing as below:

FFDF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.23   Med: 0.26   Max: 0.51
Current: 0.28

During the past 13 years, the highest Dividend Payout Ratio of FFD Financial was 0.51. The lowest was 0.23. And the median was 0.26.

FFDF's Dividend Payout Ratio is ranked better than
60.41% of 1172 companies
in the Banks industry
Industry Median: 0.32 vs FFDF: 0.28

As of today (2026-06-28), the Dividend Yield % of FFD Financial is 2.94%.

During the past 13 years, the highest Trailing Annual Dividend Yield of FFD Financial was 4.22%. The lowest was 1.76%. And the median was 2.61%.

FFD Financial's Dividends per Share for the months ended in Jun. 2025 was $1.20.

During the past 12 months, FFD Financial's average Dividends Per Share Growth Rate was 6.20% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 15.80% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 16.10% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 19.20% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of FFD Financial was 30.70% per year. The lowest was 2.30% per year. And the median was 13.50% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

FFD Financial (OTCPK:FFDF) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

FFD Financial Dividend Payout Ratio Related Terms

FFD Financial Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for FFD Financial's Dividend Payout Ratio 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.

FFD Financial Dividend Payout Ratio Chart

FFD Financial Annual Data
Trend Jun11 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.23 0.25 0.27 0.29 0.28

FFD Financial Semi-Annual Data
Jun01 Jun02 Jun03 Jun04 Jun05 Jun06 Jun07 Jun08 Jun09 Jun10 Jun11 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.23 0.25 0.27 0.29 0.28

FFDF vs WRIV, PNBK, BEOB: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, FFD Financial's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, FFD Financial's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where FFD Financial's Dividend Payout Ratio falls into.


FFDF
72GF Score
FFD Financial Corp FFDF
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

FFD Financial Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

FFD Financial's Dividend Payout Ratio for the fiscal year that ended in Jun. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Jun. 2025 )/ EPS without NRI (A: Jun. 2025 )
=1.2/ 4.27
=0.28

FFD Financial's Dividend Payout Ratio for the quarter that ended in Jun. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Jun. 2025 )/ EPS without NRI (Q: Jun. 2025 )
=1.2/ 4.27
=0.28

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.28 mean?
FFD Financial (FFDF) has a Dividend Payout Ratio of 0.28 as of Jun. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on FFD Financial and its competitors. This is near median its historical median of 0.26. Over the past decade, FFD Financial's Dividend Payout Ratio has ranged from 0.23 to 0.51. According to the industry distribution chart, FFD Financial ranks #464 out of 1172 companies in the Banks industry, placing it in the top 39.6%.
Is FFD Financial's Dividend Payout Ratio too high?
FFD Financial's current Dividend Payout Ratio of 0.28 is near median its 10-year median of 0.26. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 0.51. The Banks industry median Dividend Payout Ratio is 0.32. FFD Financial's value of 0.28 is 12.5% below this industry median. Based on the distribution chart, FFD Financial ranks #464 out of 1172 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 Dividend Payout Ratio compare to WRIV and PNBK?
According to the Banks industry distribution chart, FFD Financial ranks #464 out of 1172 companies for Dividend Payout Ratio. This puts FFD Financial in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. FFD Financial's value of 0.28 is 12.5% below this benchmark. Historically, FFD Financial's own Dividend Payout Ratio has ranged from 0.23 to 0.51 over the past decade. While the company's 10-year median is 0.26 vs. the industry median of 0.32, FFD Financial has consistently been below 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,172 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FFD Financial's current Dividend Payout Ratio of 0.28 is 12.5% below 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on FFD Financial and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFD Financial's current Dividend Payout Ratio is 0.28, which is near median its own 10-year median of 0.26. 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 Dividend Payout Ratio is 0.28, which is near median its 10-year median of 0.26 and 12.5% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For FFD Financial (FFDF), the current Dividend Payout Ratio is 0.28 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:

  • Dividend Payout Ratio: 0.28 (near median its 10-year median of 0.26)
  • GF Value™: $42.19 vs. price of $45.06 (6.8% above fair value)
  • GF Score™: 72/100 with 4 warning signs
  • Industry Position: 12.5% below the Banks median (#464 of 1172)

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 Business Description

Address 141 W Ohio Avenue, PO Box 38, Dover, OH, USA, 44622
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

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$45.06
Price
$42.19
GF Value