FFD FinancialFFDF +0.02%72 PS Ratio is 4.17 as of Jun. 28, 2026, which is 18% above its 10-year median of 3.54. 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 1,519 Banks companies, FFD Financial ranks worse than 74.46% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, FFD Financial's share price is $45.06.
FFD Financial's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2025 was $10.80. Hence, FFD Financial's PS Ratio for today is 4.17.
Warning Sign:
FFD Financial Corp stock PS Ratio (=4.17) is close to 3-year high of 4.4.
The historical rank and industry rank for FFD Financial's PS Ratio or its related term are showing as below:
FFDF'
s PS Ratio Range Over the Past 10 Years
Min: 2.78 Med: 3.54 Max: 5.7
Current: 4.17
During the past 13 years, FFD Financial's highest PS Ratio was 5.70. The lowest was 2.78. And the median was 3.54.
FFDF's PS Ratio is ranked worse than 74.46% of 1519
companies
in the Banks industry
Industry Median: 2.98
vs FFDF: 4.17
FFD Financial Corp has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of FFD Financial was 12.00% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 11.80% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 11.70% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 15.30% per year.
During the past 13 years, FFD Financial's highest 3-Year average Revenue per Share Growth Rate was 196.20% per year. The lowest was -3.80% per year. And the median was 12.25% per year.
Back to Basics: PS Ratio
FFD Financial (OTCPK:FFDF) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
FFD Financial PS Ratio Related Terms
FFD Financial PS Ratio Historical Data
* Premium members only.
The historical data trend for FFD Financial's PS 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.
For the Banks - Regional subindustry, FFD Financial's PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, FFD Financial's PS Ratio distribution charts can be found below:
* The bar in red indicates where FFD Financial's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
FFD Financial's Share Price of today is $45.06.
For company reported annually, GuruFocus uses latest annual data as the TTM data. FFD Financial's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2025 was $10.80.
* 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:
FFD Financial (FFDF) has a PS Ratio of 4.17 as of Jun. 28, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on FFD Financial and its competitors. This is 18% above median its historical median of 3.54. Over the past decade, FFD Financial's PS Ratio has ranged from 2.78 to 5.70. According to the industry distribution chart, FFD Financial ranks #1131 out of 1519 companies in the Banks industry, placing it in the top 74.5%.
Is FFD Financial's PS Ratio too high?
FFD Financial's current PS Ratio of 4.17 is 18% above median its 10-year median of 3.54. Over the past 10 years, this metric has ranged from a low of 2.78 to a high of 5.70. The Banks industry median PS Ratio is 2.98. FFD Financial's value of 4.17 is 39.9% above this industry median. Based on the distribution chart, FFD Financial ranks #1131 out of 1519 companies in the Banks industry, which is below 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 PS Ratio compare to WRIV and PNBK?
According to the Banks industry distribution chart, FFD Financial ranks #1131 out of 1519 companies for PS Ratio. This places FFD Financial in the lower half of its industry. The industry median PS Ratio is 2.98. FFD Financial's value of 4.17 is 39.9% above this benchmark. Historically, FFD Financial's own PS Ratio has ranged from 2.78 to 5.70 over the past decade. While the company's 10-year median is 3.54 vs. the industry median of 2.98, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 2.98, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FFD Financial's current PS Ratio of 4.17 is 39.9% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on FFD Financial and its competitors. For the Banks industry, the median PS Ratio is 2.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFD Financial's current PS Ratio is 4.17, which is 18% above median its own 10-year median of 3.54. 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 PS Ratio is 4.17, which is 18% above median its 10-year median of 3.54 and 39.9% above the Banks industry median of 2.98. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For FFD Financial (FFDF), the current PS Ratio is 4.17 as of Jun. 28, 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 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:
PS Ratio: 4.17 (18% above median its 10-year median of 3.54)
GF Value™: $42.19 vs. price of $45.06 (6.8% above fair value)
Industry Position: 39.9% above the Banks median (#1131 of 1519)
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
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