FFD FinancialFFDF +0.02%72 Pretax Margin % is 47.71% as of Jun. 2025, which is 1% above its 10-year median of 47.45. 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 79.37% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. FFD Financial's Pre-Tax Income for the
six
months ended in Jun. 2025 was $15.11 Mil. FFD Financial's Revenue for the
six
months ended in Jun. 2025 was $31.67 Mil. Therefore, FFD Financial's pretax margin for the quarter that ended in Jun. 2025 was 47.71%.
The historical rank and industry rank for FFD Financial's Pretax Margin % or its related term are showing as below:
FFDF'
s Pretax Margin % Range Over the Past 10 Years
Min: 23.6 Med: 47.45 Max: 50.78
Current: 47.71
FFDF's Pretax Margin % is ranked better than 79.37% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs FFDF: 47.71
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
FFD Financial Pretax Margin % Related Terms
FFD Financial Pretax Margin % Historical Data
* Premium members only.
The historical data trend for FFD Financial's Pretax 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.
FFDF vs WRIV, PNBK, BEOB: Pretax Margin % Comparison
For the Banks - Regional subindustry, FFD Financial's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, FFD Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where FFD Financial's Pretax 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 Pretax Margin % of 47.71% as of Jun. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on FFD Financial and its competitors. This is near median its historical median of 47.45. Over the past decade, FFD Financial's Pretax Margin % has ranged from 23.60 to 50.78. According to the industry distribution chart, FFD Financial ranks #315 out of 1527 companies in the Banks industry, placing it in the top 20.6%.
Is FFD Financial's Pretax Margin % too high?
FFD Financial's current Pretax Margin % of 47.71% is near median its 10-year median of 47.45. Over the past 10 years, this metric has ranged from a low of 23.60 to a high of 50.78. The Banks industry median Pretax Margin % is 34.88. FFD Financial's value of 47.71% is 36.8% above this industry median. Based on the distribution chart, FFD Financial ranks #315 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 Pretax Margin % compare to WRIV and PNBK?
According to the Banks industry distribution chart, FFD Financial ranks #315 out of 1527 companies for Pretax Margin %. This places FFD Financial in the top 21% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.88. FFD Financial's value of 47.71% is 36.8% above this benchmark. Historically, FFD Financial's own Pretax Margin % has ranged from 23.60 to 50.78 over the past decade. While the company's 10-year median is 47.45 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FFD Financial's current Pretax Margin % of 47.71% is 36.8% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on FFD Financial and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFD Financial's current Pretax Margin % is 47.71%, which is near median its own 10-year median of 47.45. 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 Pretax Margin % is 47.71%, which is near median its 10-year median of 47.45 and 36.8% above the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For FFD Financial (FFDF), the current Pretax Margin % is 47.71% 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:
Pretax Margin %: 47.71% (near median its 10-year median of 47.45)
GF Value™: $42.19 vs. price of $45.06 (6.8% above fair value)
Industry Position: 36.8% above the Banks median (#315 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
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Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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