FFDF (FFD Financial) Retained Earnings: $80.55 Mil (As of Jun. 2025)


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 Retained Earnings?

FFD Financial FFDF +0.02% 72 Retained Earnings is $80.55 Mil as of Jun. 2025. 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.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. FFD Financial's retained earnings for the quarter that ended in Jun. 2025 was $80.55 Mil.

FFD Financial's quarterly retained earnings increased from Jun. 2023 ($63.88 Mil) to Jun. 2024 ($71.55 Mil) and increased from Jun. 2024 ($71.55 Mil) to Jun. 2025 ($80.55 Mil).

FFD Financial's annual retained earnings increased from Jun. 2023 ($63.88 Mil) to Jun. 2024 ($71.55 Mil) and increased from Jun. 2024 ($71.55 Mil) to Jun. 2025 ($80.55 Mil).


FFD Financial  (OTCPK:FFDF) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


FFD Financial Retained Earnings Historical Data

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The historical data trend for FFD Financial's Retained Earnings 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 Retained Earnings Chart

FFD Financial Annual Data
Trend Jun11 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 48.95 55.79 63.88 71.55 80.55

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
Retained Earnings 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 48.95 55.79 63.88 71.55 80.55
FFDF
72GF Score
FFD Financial Corp FFDF
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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FFD Financial Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $80.55 Mil mean?
FFD Financial (FFDF) has a Retained Earnings of $80.55 Mil as of Jun. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on FFD Financial and its competitors.
Is FFD Financial's Retained Earnings too high?
FFD Financial's current Retained Earnings is $80.55 Mil. 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 Retained Earnings compare to FMBM and WRIV?
FFD Financial's Retained Earnings of $80.55 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on FFD Financial and its competitors. FFD Financial's current Retained Earnings is $80.55 Mil. 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 Retained Earnings is $80.55 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For FFD Financial (FFDF), the current Retained Earnings is $80.55 Mil 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:

  • Retained Earnings: $80.55 Mil
  • GF Value™: $42.19 vs. price of $45.06 (6.8% above fair value)
  • GF Score™: 72/100 with 4 warning signs

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

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

$45.06
Price
$42.19
GF Value