FFDF (FFD Financial) ROE % Adjusted to Book Value: 12.87% (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 ROE % Adjusted to Book Value?

FFD Financial FFDF +0.02% 72 ROE % Adjusted to Book Value is 12.87% 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.

FFD Financial's ROE % for the quarter that ended in Jun. 2025 was 17.89%. FFD Financial's PB Ratio for the quarter that ended in Jun. 2025 was 1.39. FFD Financial's ROE % Adjusted to Book Value for the quarter that ended in Jun. 2025 was 12.87%.


FFD Financial ROE % Adjusted to Book Value Related Terms


FFD Financial ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for FFD Financial's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

FFD Financial Annual Data
Trend Jun11 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 13.36 8.93 12.12 15.38 12.87

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
ROE % Adjusted to Book Value 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 13.36 8.93 12.12 15.38 12.87

FFDF vs WRIV, PNBK, BEOB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, FFD Financial's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, FFD Financial's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where FFD Financial's ROE % Adjusted to Book Value falls into.


FFDF
72GF Score
FFD Financial Corp FFDF
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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FFD Financial ROE % Adjusted to Book Value Calculation

FFD Financial's ROE % Adjusted to Book Value for the fiscal year that ended in Jun. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=17.89% / 1.39
=12.87%

FFD Financial's ROE % Adjusted to Book Value for the quarter that ended in Jun. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=17.89% / 1.39
=12.87%

* 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 ROE % Adjusted to Book Value of 12.87% mean?
FFD Financial (FFDF) has a ROE % Adjusted to Book Value of 12.87% as of Jun. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on FFD Financial and its competitors.
Is FFD Financial's ROE % Adjusted to Book Value too high?
FFD Financial's current ROE % Adjusted to Book Value is 12.87%. 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 ROE % Adjusted to Book Value compare to WRIV and PNBK?
FFD Financial's ROE % Adjusted to Book Value of 12.87% 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 ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on FFD Financial and its competitors. FFD Financial's current ROE % Adjusted to Book Value is 12.87%. 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 ROE % Adjusted to Book Value is 12.87%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For FFD Financial (FFDF), the current ROE % Adjusted to Book Value is 12.87% 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:

  • ROE % Adjusted to Book Value: 12.87%
  • 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

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$45.06
Price
$42.19
GF Value