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FFD FinancialFFDF 72 Forward Rate of Return (Yacktman) % is 19.02% as of Jun. 2025, which is 5% below its 10-year median of 20.09. GuruFocus rates FFDF with a GF Scoreâ„¢ of 72/100 and a GF Valueâ„¢ of $42.55 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,412 Banks companies, FFD Financial ranks better than 56.94% on this metric.
Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. FFD Financial's forward rate of return for was 19.02%.
The historical rank and industry rank for FFD Financial's Forward Rate of Return (Yacktman) % or its related term are showing as below:
FFDF'
s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 14.31 Med: 20.09 Max: 26.32
Current: 17.11
During the past 13 years, FFD Financial's highest Forward Rate of Return was 26.32. The lowest was 14.31. And the median was 20.09.
FFDF's Forward Rate of Return (Yacktman) % is ranked better than 56.94% of 1412
companies
in the Banks industry
Industry Median: 15.4
vs FFDF: 17.11
Unlike the Earnings Yield %, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
FFD Financial (OTCPK:FFDF) Forward Rate of Return (Yacktman) % Explanation
Unlike the Earnings Yield, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
For the growth part of the Forward Rate of Return calculation, GuruFocus uses the 5-year average growth rate of Book Value per share as the growth rate, and the growth rate is always capped at 20%. For the Free Cash Flow we use per share data averaged over five years. The reason we use five years is to make it comparable to the growth rate.
Be Aware
In the Forward Rate of Return calculation, the growth rate is added directly to today's free cash flow yield. Therefore the calculation is reliable only if the company can grow at the same rate in the future as it did in the past. Investors should pay close attention to this when researching growth stocks. A more accurate measurement for return is Return on Capital.
FFD Financial Forward Rate of Return (Yacktman) % Related Terms
FFD Financial Forward Rate of Return (Yacktman) % Historical Data
* Premium members only.
The historical data trend for FFD Financial's Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % Chart
FFDF vs FMBM, WRIV, CBBI: Forward Rate of Return (Yacktman) % Comparison
For the Banks - Regional subindustry, FFD Financial's Forward Rate of Return (Yacktman) %, along with its competitors' market caps and Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % vs Banks Industry
For the Banks industry and Financial Services sector, FFD Financial's Forward Rate of Return (Yacktman) % distribution charts can be found below:
* The bar in red indicates where FFD Financial's Forward Rate of Return (Yacktman) % falls into.
FFD Financial Forward Rate of Return (Yacktman) % Calculation
Forward Rate of Return is a concept that Don Yacktman uses in his investment approach. Yacktman explained the forward rate of return concept in detail in his interview with GuruFocus. Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. He said in the interview (March 2012, when the S&P 500 was at about 1400):
If the business is stable, this calculation is fairly straightforward. For instance, on the S&P 500 we would normalize earnings. We would then calculate what percentage of those earnings are not reinvested in the underlying businesses and are therefore free. Historically, for the S&P 500, this has been just under 50% of earnings. Currently, we expect the S&P to earn about 70 on a normalized basis, a number which is far below reported earnings due to our adjusting for record high profit margins. $70 X ½ / 1400 gives you a normalized free cash flow yield of approximately 2.5%.
The historical real growth rate of the S&P 500 (companies) is about 1.5%. Assuming an inflation rate of 2.5%, the forward rate of return on an investment in the S&P 500 is about 6.5% today (2.5% free cash flow yield plus 1.5% real growth plus 2.5% inflation).
FFD Financial's Forward Rate of Return of Jun. 2025 is
Forward Rate of Return
=
Normalized Free Cash Flow
/
Price
+
5-Year Book Value Growth Rate
=
2.91583333
/
35
+
0.1069
=
19.02 %
* 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.
What does a Forward Rate of Return (Yacktman) % of 19.02% mean?
FFD Financial (FFDF) has a Forward Rate of Return (Yacktman) % of 19.02% as of Jun. 2025. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on FFD Financial and its competitors. This is near median its historical median of 20.09. Over the past decade, FFD Financial's Forward Rate of Return (Yacktman) % has ranged from 14.31 to 26.32. According to the industry distribution chart, FFD Financial ranks #608 out of 1412 companies in the Banks industry, placing it in the top 43.1%.
Is FFD Financial's Forward Rate of Return (Yacktman) % too high?
FFD Financial's current Forward Rate of Return (Yacktman) % of 19.02% is near median its 10-year median of 20.09. Over the past 10 years, this metric has ranged from a low of 14.31 to a high of 26.32. The Banks industry median Forward Rate of Return (Yacktman) % is 15.40. FFD Financial's value of 19.02% is 23.5% above this industry median. Based on the distribution chart, FFD Financial ranks #608 out of 1412 companies in the Banks industry, which is above the industry midpoint. Overall, FFD Financial has a GF Scoreâ„¢ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does FFD Financial's Forward Rate of Return (Yacktman) % compare to FMBM and WRIV?
According to the Banks industry distribution chart, FFD Financial ranks #608 out of 1412 companies for Forward Rate of Return (Yacktman) %. This puts FFD Financial in the upper half of its industry. The industry median Forward Rate of Return (Yacktman) % is 15.40. FFD Financial's value of 19.02% is 23.5% above this benchmark. Historically, FFD Financial's own Forward Rate of Return (Yacktman) % has ranged from 14.31 to 26.32 over the past decade. While the company's 10-year median is 20.09 vs. the industry median of 15.40, 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 Forward Rate of Return (Yacktman) % for a Banks company?
The median Forward Rate of Return (Yacktman) % among Banks companies is 15.40, based on 1,412 companies in the industry. Companies in the top quartile (top 25%) have a Forward Rate of Return (Yacktman) % significantly above this median, while those in the bottom quartile fall well below. However, Forward Rate of Return (Yacktman) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FFD Financial's current Forward Rate of Return (Yacktman) % of 19.02% is 23.5% 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 Forward Rate of Return (Yacktman) % mean?
A high Forward Rate of Return (Yacktman) % can signal that a stock is expensive relative to its fundamentals. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on FFD Financial and its competitors. For the Banks industry, the median Forward Rate of Return (Yacktman) % is 15.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFD Financial's current Forward Rate of Return (Yacktman) % is 19.02%, which is near median its own 10-year median of 20.09. 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 $42.55, compared to a current price of $45.57 — trading 7.1% above its estimated fair value. The current Forward Rate of Return (Yacktman) % is 19.02%, which is near median its 10-year median of 20.09 and 23.5% above the Banks industry median of 15.40. 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 Forward Rate of Return (Yacktman) % calculated?
Forward Rate of Return (Yacktman) % is calculated from a company's financial statements. For FFD Financial (FFDF), the current Forward Rate of Return (Yacktman) % is 19.02% 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 $45.57 is trading 7.1% above its estimated GF Value™ of $42.55.
GuruFocus considers FFD Financial to be Fairly Valued.
Key valuation signals for FFDF:
Forward Rate of Return (Yacktman) %: 19.02% (near median its 10-year median of 20.09)
GF Value™: $42.55 vs. price of $45.57 (7.1% above fair value)
Industry Position: 23.5% above the Banks median (#608 of 1412)
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
Forward Rate of Return (Yacktman) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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