FFD FinancialFFDF +0.02%72 Return-on-Tangible-Equity is 18.24% as of Jun. 2025, which is 1% above its 10-year median of 18.11. 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 1,525 Banks companies, FFD Financial ranks better than 85.7% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. FFD Financial's annualized net income for the quarter that ended in Jun. 2025 was $12.52 Mil. FFD Financial's average shareholder tangible equity for the quarter that ended in Jun. 2025 was $68.60 Mil. Therefore, FFD Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2025 was 18.24%.
The historical rank and industry rank for FFD Financial's Return-on-Tangible-Equity or its related term are showing as below:
FFDF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.54 Med: 18.11 Max: 20.33
Current: 18.24
During the past 13 years, FFD Financial's highest Return-on-Tangible-Equity was 20.33%. The lowest was 7.54%. And the median was 18.11%.
FFDF's Return-on-Tangible-Equity is ranked better than 85.7% of 1525
companies
in the Banks industry
Industry Median: 11.21
vs FFDF: 18.24
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
FFD Financial Return-on-Tangible-Equity Related Terms
FFD Financial Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for FFD Financial's Return-on-Tangible-Equity 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: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, FFD Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, FFD Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where FFD Financial's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Jun. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 18.24% mean?
FFD Financial (FFDF) has a Return-on-Tangible-Equity of 18.24% as of Jun. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on FFD Financial and its competitors. This is near median its historical median of 18.11. Over the past decade, FFD Financial's Return-on-Tangible-Equity has ranged from 7.54 to 20.33. According to the industry distribution chart, FFD Financial ranks #218 out of 1525 companies in the Banks industry, placing it in the top 14.3%.
Is FFD Financial's Return-on-Tangible-Equity too high?
FFD Financial's current Return-on-Tangible-Equity of 18.24% is near median its 10-year median of 18.11. Over the past 10 years, this metric has ranged from a low of 7.54 to a high of 20.33. The Banks industry median Return-on-Tangible-Equity is 11.21. FFD Financial's value of 18.24% is 62.7% above this industry median. Based on the distribution chart, FFD Financial ranks #218 out of 1525 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 Return-on-Tangible-Equity compare to WRIV and PNBK?
According to the Banks industry distribution chart, FFD Financial ranks #218 out of 1525 companies for Return-on-Tangible-Equity. This places FFD Financial in the top 14% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.21. FFD Financial's value of 18.24% is 62.7% above this benchmark. Historically, FFD Financial's own Return-on-Tangible-Equity has ranged from 7.54 to 20.33 over the past decade. While the company's 10-year median is 18.11 vs. the industry median of 11.21, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FFD Financial's current Return-on-Tangible-Equity of 18.24% is 62.7% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on FFD Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFD Financial's current Return-on-Tangible-Equity is 18.24%, which is near median its own 10-year median of 18.11. 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 Return-on-Tangible-Equity is 18.24%, which is near median its 10-year median of 18.11 and 62.7% above the Banks industry median of 11.21. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For FFD Financial (FFDF), the current Return-on-Tangible-Equity is 18.24% 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:
Return-on-Tangible-Equity: 18.24% (near median its 10-year median of 18.11)
GF Value™: $42.19 vs. price of $45.06 (6.8% above fair value)
Industry Position: 62.7% above the Banks median (#218 of 1525)
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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