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FFD FinancialFFDF 72 3-Year Share Buyback Ratio is 0.60 as of Jun. 2025, which is 43% below its 10-year median of 1.05. GuruFocus rates FFDF with a GF Score™ of 72/100 and a GF Value™ of $42.46 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,043 Banks companies, FFD Financial ranks better than 71.81% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. FFD Financial's current 3-Year Share Buyback Ratio was 0.60%.
The historical rank and industry rank for FFD Financial's 3-Year Share Buyback Ratio or its related term are showing as below:
FFDF'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -2.3 Med: 1.05 Max: 5.4
Current: 0.6
During the past 13 years, FFD Financial's highest 3-Year Share Buyback Ratio was 5.40%. The lowest was -2.30%. And the median was 1.05%.
FFDF's 3-Year Share Buyback Ratio is ranked better than 71.81% of 1043
companies
in the Banks industry
Industry Median: -0.2
vs FFDF: 0.60
FFD Financial (OTCPK:FFDF) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
FFD Financial 3-Year Share Buyback Ratio Related Terms
FFDF vs FMBM, WRIV, CBBI: 3-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, FFD Financial's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback 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 3-Year Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, FFD Financial's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where FFD Financial's 3-Year Share Buyback Ratio falls into.
FFD Financial 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of 0.60 mean?
FFD Financial (FFDF) has a 3-Year Share Buyback Ratio of 0.60 as of Jun. 2025. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for FFD Financial and its competitors. This is 43% below median its historical median of 1.05. According to the industry distribution chart, FFD Financial ranks #294 out of 1043 companies in the Banks industry, placing it in the top 28.2%.
Is FFD Financial's 3-Year Share Buyback Ratio too high?
FFD Financial's current 3-Year Share Buyback Ratio of 0.60 is 43% below median its 10-year median of 1.05. Based on the distribution chart, FFD Financial ranks #294 out of 1043 companies in the Banks industry, which is above the industry midpoint. 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 3-Year Share Buyback Ratio compare to FMBM and WRIV?
According to the Banks industry distribution chart, FFD Financial ranks #294 out of 1043 companies for 3-Year Share Buyback Ratio. This puts FFD Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Banks company?
A good 3-Year Share Buyback Ratio depends on the Banks industry context. However, 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for FFD Financial and its competitors. FFD Financial's current 3-Year Share Buyback Ratio is 0.60, which is 43% below median its own 10-year median of 1.05. 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 $42.46, compared to a current price of $45.45 — trading 7% above its estimated fair value. The current 3-Year Share Buyback Ratio is 0.60, which is 43% below median its 10-year median of 1.05. 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 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For FFD Financial (FFDF), the current 3-Year Share Buyback Ratio is 0.60 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 $45.45 is trading 7% above its estimated GF Value™ of $42.46.
GuruFocus considers FFD Financial to be Fairly Valued.
Key valuation signals for FFDF:
3-Year Share Buyback Ratio: 0.60 (43% below median its 10-year median of 1.05)
GF Value™: $42.46 vs. price of $45.45 (7% above fair value)
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
3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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