FFD FinancialFFDF +0.02%72 ROE % is 17.89% as of Jun. 2025, which is 2% above its 10-year median of 17.50. 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 1,524 Banks companies, FFD Financial ranks better than 88.39% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. FFD Financial's annualized net income for the quarter that ended in Jun. 2025 was $12.52 Mil. FFD Financial's average Total Stockholders Equity over the quarter that ended in Jun. 2025 was $69.95 Mil. Therefore, FFD Financial's annualized ROE % for the quarter that ended in Jun. 2025 was 17.89%.
The historical rank and industry rank for FFD Financial's ROE % or its related term are showing as below:
FFDF'
s ROE % Range Over the Past 10 Years
Min: 7.26 Med: 17.5 Max: 19.76
Current: 17.89
During the past 13 years, FFD Financial's highest ROE % was 19.76%. The lowest was 7.26%. And the median was 17.50%.
FFDF's ROE % is ranked better than 88.39% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs FFDF: 17.89
FFD Financial (OTCPK:FFDF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is one times the annual (Jun. 2025) net income data. The Revenue data used here is one times the annual (Jun. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
FFD Financial ROE % Related Terms
FFD Financial ROE % Historical Data
* Premium members only.
The historical data trend for FFD Financial's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 % vs Banks Industry
For the Banks industry and Financial Services sector, FFD Financial's ROE % distribution charts can be found below:
* The bar in red indicates where FFD Financial's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
FFD Financial (FFDF) has a ROE % of 17.89% as of Jun. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on FFD Financial and its competitors. This is near median its historical median of 17.50. Over the past decade, FFD Financial's ROE % has ranged from 7.26 to 19.76. According to the industry distribution chart, FFD Financial ranks #177 out of 1524 companies in the Banks industry, placing it in the top 11.6%.
Is FFD Financial's ROE % too high?
FFD Financial's current ROE % of 17.89% is near median its 10-year median of 17.50. Over the past 10 years, this metric has ranged from a low of 7.26 to a high of 19.76. The Banks industry median ROE % is 10.22. FFD Financial's value of 17.89% is 75% above this industry median. Based on the distribution chart, FFD Financial ranks #177 out of 1524 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 ROE % compare to WRIV and PNBK?
According to the Banks industry distribution chart, FFD Financial ranks #177 out of 1524 companies for ROE %. This places FFD Financial in the top 12% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. FFD Financial's value of 17.89% is 75% above this benchmark. Historically, FFD Financial's own ROE % has ranged from 7.26 to 19.76 over the past decade. While the company's 10-year median is 17.50 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FFD Financial's current ROE % of 17.89% is 75% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on FFD Financial and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFD Financial's current ROE % is 17.89%, which is near median its own 10-year median of 17.50. 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 % is 17.89%, which is near median its 10-year median of 17.50 and 75% above the Banks industry median of 10.22. 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 % calculated?
ROE % is calculated from a company's financial statements. For FFD Financial (FFDF), the current ROE % is 17.89% 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 %: 17.89% (near median its 10-year median of 17.50)
GF Value™: $42.19 vs. price of $45.06 (6.8% above fair value)
Industry Position: 75% above the Banks median (#177 of 1524)
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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