FFD FinancialFFDF +0.02%72 5-Year Yield-on-Cost % is 6.20 as of Jun. 29, 2026, which is 13% above its 10-year median of 5.51. 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 1,256 Banks companies, FFD Financial ranks better than 73.57% on this metric.
FFD Financial's yield on cost for the quarter that ended in Jun. 2025 was 6.20.
The historical rank and industry rank for FFD Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
FFDF'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.71 Med: 5.51 Max: 8.9
Current: 6.2
During the past 13 years, FFD Financial's highest Yield on Cost was 8.90. The lowest was 3.71. And the median was 5.51.
FFDF's 5-Year Yield-on-Cost % is ranked better than 73.57% of 1256
companies
in the Banks industry
Industry Median: 3.96
vs FFDF: 6.20
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
FFD Financial 5-Year Yield-on-Cost % Related Terms
FFDF vs FMBM, WRIV, CBBI: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, FFD Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, FFD Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where FFD Financial's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of FFD Financial is calculated as
FFD Financial (FFDF) has a 5-Year Yield-on-Cost % of 6.20 as of Jun. 29, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on FFD Financial and its competitors. This is 13% above median its historical median of 5.51. Over the past decade, FFD Financial's 5-Year Yield-on-Cost % has ranged from 3.71 to 8.90. According to the industry distribution chart, FFD Financial ranks #332 out of 1256 companies in the Banks industry, placing it in the top 26.4%.
Is FFD Financial's 5-Year Yield-on-Cost % too high?
FFD Financial's current 5-Year Yield-on-Cost % of 6.20 is 13% above median its 10-year median of 5.51. Over the past 10 years, this metric has ranged from a low of 3.71 to a high of 8.90. The Banks industry median 5-Year Yield-on-Cost % is 3.96. FFD Financial's value of 6.20 is 56.6% above this industry median. Based on the distribution chart, FFD Financial ranks #332 out of 1256 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 5-Year Yield-on-Cost % compare to FMBM and WRIV?
According to the Banks industry distribution chart, FFD Financial ranks #332 out of 1256 companies for 5-Year Yield-on-Cost %. This puts FFD Financial in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.96. FFD Financial's value of 6.20 is 56.6% above this benchmark. Historically, FFD Financial's own 5-Year Yield-on-Cost % has ranged from 3.71 to 8.90 over the past decade. While the company's 10-year median is 5.51 vs. the industry median of 3.96, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.96, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FFD Financial's current 5-Year Yield-on-Cost % of 6.20 is 56.6% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on FFD Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFD Financial's current 5-Year Yield-on-Cost % is 6.20, which is 13% above median its own 10-year median of 5.51. 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 5-Year Yield-on-Cost % is 6.20, which is 13% above median its 10-year median of 5.51 and 56.6% above the Banks industry median of 3.96. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For FFD Financial (FFDF), the current 5-Year Yield-on-Cost % is 6.20 as of Jun. 29, 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 $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:
5-Year Yield-on-Cost %: 6.20 (13% above median its 10-year median of 5.51)
GF Value™: $42.19 vs. price of $45.06 (6.8% above fair value)
Industry Position: 56.6% above the Banks median (#332 of 1256)
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
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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