FFW (FFWC) PE Ratio: 10.32 (As of Jun. 27, 2026) — Near Median


FFWC FFW Corp FFWC
54 GF Score
Price $51.70
GF Value $47.07
Valuation Fairly Valued
! 6 Warning Signs
View Full Analysis

What is FFW PE Ratio?

FFW FFWC 54 PE Ratio is 10.32 as of Jun. 27, 2026, which is 9% above its 10-year median of 9.50. GuruFocus rates FFWC with a GF Score™ of 54/100 and a GF Value™ of $47.07 (Fairly Valued). The stock has 6 warning signs investors should review.

The PE Ratio, or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2026-06-27), FFW's share price is $51.70145. FFW's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2025 was $5.01. Therefore, FFW's PE Ratio for today is 10.32.

Warning Sign:

FFW Corp stock PE Ratio (=10.32) is close to 5-year high of 11.16.

During the past 13 years, FFW's highest PE Ratio was 13.55. The lowest was 6.35. And the median was 9.50.

FFW's EPS (Diluted) for the six months ended in Jun. 2025 was $5.01. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Jun. 2025 was $5.01.

As of today (2026-06-27), FFW's share price is $51.70145. FFW's EPS without NRI for the trailing twelve months (TTM) ended in Jun. 2025 was $4.99. Therefore, FFW's PE Ratio without NRI ratio for today is 10.37.

During the past 13 years, FFW's highest PE Ratio without NRI was 13.55. The lowest was 6.33. And the median was 9.54.

FFW's EPS without NRI for the six months ended in Jun. 2025 was $4.99. Its EPS without NRI for the trailing twelve months (TTM) ended in Jun. 2025 was $4.99.

During the past 12 months, FFW's average EPS without NRI Growth Rate was 37.30% per year. During the past 3 years, the average EPS without NRI Growth Rate was 0.10% per year. During the past 5 years, the average EPS without NRI Growth Rate was -2.00% per year. During the past 10 years, the average EPS without NRI Growth Rate was 9.90% per year.

During the past 13 years, FFW's highest 3-Year average EPS without NRI Growth Rate was 77.60% per year. The lowest was -13.80% per year. And the median was 9.60% per year.

FFW's EPS (Basic) for the six months ended in Jun. 2025 was $5.01. Its EPS (Basic) for the trailing twelve months (TTM) ended in Jun. 2025 was $5.01.

Back to Basics: PE Ratio


FFW  (OTCPK:FFWC) PE Ratio Explanation

The PE Ratio can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.

In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio is positive. Also for stocks with the same PE Ratio, the one with faster growth business is more attractive.

If a company loses money, the PE Ratio becomes meaningless.

To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio divided by the growth ratio. He thinks a company with a PE Ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio of 20, instead of a company growing 10% a year with a PE Ratio of 10.

Because the PE Ratio measures how long it takes to earn back the price you pay, the PE Ratio can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.

Similar to the PE Ratio without NRI or PS Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PE Ratio measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

Investors need to be aware that the PE Ratio can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratios are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio.

PE Ratio can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio.


FFW PE Ratio Related Terms


FFW PE Ratio Historical Data

* Premium members only.

The historical data trend for FFW's PE 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.

FFW PE Ratio Chart

FFW Annual Data
Trend Jun07 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
PE Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.47 9.21 7.95 9.61 7.98

FFW Semi-Annual Data
Jun97 Jun98 Jun99 Jun00 Jun01 Jun02 Jun03 Jun04 Jun05 Jun06 Jun07 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
PE 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 8.47 9.21 7.95 9.61 7.98

FFWC vs MBKL, LSFG, OSBK: PE Ratio Comparison

For the Banks - Regional subindustry, FFW's PE Ratio, along with its competitors' market caps and PE 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.


FFW PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, FFW's PE Ratio distribution charts can be found below:

* The bar in red indicates where FFW's PE Ratio falls into.


FFWC
54GF Score
FFW Corp FFWC
PE Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

FFW PE Ratio Calculation

The PE Ratio, or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.

FFW's PE Ratio for today is calculated as

PE Ratio=Share Price/Earnings per Share (Diluted) (TTM)
=51.70145/5.010
=10.32

FFW's Share Price of today is $51.70145.
For company reported annually, GuruFocus uses latest annual data as the TTM data. FFW's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2025 was $5.01.


* 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.

It can also be calculated from the numbers for the whole company:


There are at least three kinds of PE Ratios used by different investors. They are Trailing Twelve Month PE Ratio, Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio based on inflation-adjusted normalized PE Ratio is called Shiller PE Ratio, after Yale professor Robert Shiller.

In the calculation of PE Ratio, the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.

Frequently Asked Questions Learn more about PE Ratio →
What does a PE Ratio of 10.32 mean?
FFW (FFWC) has a PE Ratio of 10.32 as of Jun. 27, 2026. P/E ratio is the ratio of share price to a company's earnings per share. View historical data on FFW and its competitors. This is near median its historical median of 9.50. Over the past decade, FFW's PE Ratio has ranged from 6.35 to 13.55.
Is FFW's PE Ratio too high?
FFW's current PE Ratio of 10.32 is near median its 10-year median of 9.50. Over the past 10 years, this metric has ranged from a low of 6.35 to a high of 13.55. Overall, FFW has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does FFW's PE Ratio compare to MBKL and LSFG?
FFW's PE Ratio of 10.32 can be compared against companies in the Banks industry. Historically, FFW's own PE Ratio has ranged from 6.35 to 13.55 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PE Ratio for a Banks company?
A good PE Ratio depends on the Banks industry context. However, PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PE Ratio mean?
A high PE Ratio can signal that a stock is expensive relative to its fundamentals. P/E ratio is the ratio of share price to a company's earnings per share. View historical data on FFW and its competitors. FFW's current PE Ratio is 10.32, which is near median its own 10-year median of 9.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FFW stock overvalued right now?
Based on GuruFocus' analysis, FFW (FFWC) is currently considered Fairly Valued. The stock's GF Value™ is $47.07, compared to a current price of $51.70 — trading 9.8% above its estimated fair value. The current PE Ratio is 10.32, which is near median its 10-year median of 9.50. FFW's overall GF Score™ is 54/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PE Ratio calculated?
PE Ratio is calculated from a company's financial statements. For FFW (FFWC), the current PE Ratio is 10.32 as of Jun. 27, 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 FFW (FFWC) Overvalued in 2026?

Based on GuruFocus' analysis, FFW stock appears to be overvalued. The current stock price of $51.70 is trading 9.8% above its estimated GF Value™ of $47.07. GuruFocus considers FFW to be Fairly Valued.

Key valuation signals for FFWC:

  • PE Ratio: 10.32 (near median its 10-year median of 9.50)
  • GF Value™: $47.07 vs. price of $51.70 (9.8% above fair value)
  • GF Score™: 54/100 with 6 warning signs

No single metric tells the full story. See the FFWC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


FFW Business Description

Address 1205 North Cass Street, Wabash, IN, USA, 46992
FFW Corp operates in the United States provides various financial products and services. The company offers various deposit services, digital banking, savings loans, mortgage loans, business loans, and insurance services. It earns its revenue from interest and dividends earned on loans, investment securities, and other financial securities. Its main office in Wabash and six Indiana banking centers located in Columbia City, North Manchester, Peru, South Whitley, Syracuse and Warsaw.
54GF Score

Get the complete analysis for FFWC

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

$51.70
Price
$47.07
GF Value