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FFD FinancialFFDF 72 Shiller PE Ratio is 16.10 as of Jul. 30, 2026, which is 23% below its 10-year median of 20.81. GuruFocus rates FFDF with a GF Score™ of 72/100 and a GF Value™ of $42.65 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,238 Banks companies, FFD Financial ranks worse than 62.04% on this metric.
As of today (2026-07-30), FFD Financial's current share price is $47.17. FFD Financial's E10 for the fiscal year that ended in Jun25 was $2.93. FFD Financial's Shiller PE Ratio for today is 16.10.
The historical rank and industry rank for FFD Financial's Shiller PE Ratio or its related term are showing as below:
FFDF'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.74 Med: 20.81 Max: 30.76
Current: 16.1
During the past 13 years, FFD Financial's highest Shiller PE Ratio was 30.76. The lowest was 10.74. And the median was 20.81.
FFDF's Shiller PE Ratio is ranked worse than 62.04% of 1238
companies
in the Banks industry
Industry Median: 13.905
vs FFDF: 16.10
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
FFD Financial's adjusted earnings per share data of for the fiscal year that ended in Jun25 was $4.270. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $2.93 for the trailing ten years ended in Jun25.
Shiller PE for Stocks: The True Measure of Stock Valuation
FFD Financial (OTCPK:FFDF) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
FFD Financial Shiller PE Ratio Related Terms
FFD Financial Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for FFD Financial's Shiller PE Ratio 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 CMRB, LSBK, CHBH: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, FFD Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, FFD Financial's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where FFD Financial's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
FFD Financial's Shiller PE Ratio for today is calculated as
* 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's E10 for the fiscal year that ended in Jun25 is calculated as:
For example, FFD Financial's adjusted earnings per share data for the fiscal year that ended in Jun25 was:
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
FFD Financial (FFDF) has a Shiller PE Ratio of 16.10 as of Jul. 30, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on FFD Financial and its competitors. This is 23% below median its historical median of 20.81. Over the past decade, FFD Financial's Shiller PE Ratio has ranged from 10.74 to 30.76. According to the industry distribution chart, FFD Financial ranks #768 out of 1238 companies in the Banks industry, placing it in the top 62%.
Is FFD Financial's Shiller PE Ratio too high?
FFD Financial's current Shiller PE Ratio of 16.10 is 23% below median its 10-year median of 20.81. Over the past 10 years, this metric has ranged from a low of 10.74 to a high of 30.76. The Banks industry median Shiller PE Ratio is 13.91. FFD Financial's value of 16.10 is 15.8% above this industry median. Based on the distribution chart, FFD Financial ranks #768 out of 1238 companies in the Banks industry, which is below the industry midpoint. Overall, FFD Financial has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FFD Financial's Shiller PE Ratio compare to CMRB and LSBK?
According to the Banks industry distribution chart, FFD Financial ranks #768 out of 1238 companies for Shiller PE Ratio. This places FFD Financial in the lower half of its industry. The industry median Shiller PE Ratio is 13.91. FFD Financial's value of 16.10 is 15.8% above this benchmark. Historically, FFD Financial's own Shiller PE Ratio has ranged from 10.74 to 30.76 over the past decade. While the company's 10-year median is 20.81 vs. the industry median of 13.91, 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.91, based on 1,238 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FFD Financial's current Shiller PE Ratio of 16.10 is 15.8% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on FFD Financial and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFD Financial's current Shiller PE Ratio is 16.10, which is 23% below median its own 10-year median of 20.81. 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 Modestly Overvalued. The stock's GF Value™ is $42.65, compared to a current price of $47.17 — trading 10.6% above its estimated fair value. The current Shiller PE Ratio is 16.10, which is 23% below median its 10-year median of 20.81 and 15.8% above the Banks industry median of 13.91. 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 Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For FFD Financial (FFDF), the current Shiller PE Ratio is 16.10 as of Jul. 30, 2026. 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 $47.17 is trading 10.6% above its estimated GF Value™ of $42.65.
GuruFocus considers FFD Financial to be Modestly Overvalued.
Key valuation signals for FFDF:
Shiller PE Ratio: 16.10 (23% below median its 10-year median of 20.81)
GF Value™: $42.65 vs. price of $47.17 (10.6% above fair value)
Industry Position: 15.8% above the Banks median (#768 of 1238)
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
Shiller PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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