Low LeverageA debt-to-equity of 0.07 signals very low leverage and strong financial stability. This durable capital structure reduces bankruptcy and funding risk, preserves optionality for growth or stress, and supports regulatory capital requirements relevant to regional banks over the next 2–6 months.

Strong ROEROE of 17.16% indicates the firm is efficiently converting equity into earnings. Persistent high ROE suggests profitable operations and disciplined capital allocation, supporting shareholder returns and the ability to reinvest earnings into core lending or fee businesses over a multi-month horizon.

High Revenue Growth & MarginsA 326.69% revenue surge combined with strong gross (66.42%) and net (26.25%) margins reflects scalable revenue drivers and healthy pricing or cost structure. Sustained margin profiles alongside growth point to a resilient business model and structural competitiveness for upcoming quarters.

Bears Say

Poor Cash ConversionAn operating cash flow to net income ratio of 1.88% signals weak earnings-to-cash conversion, raising concerns about earnings quality and short-term liquidity. Over several months this can constrain loan growth, capital allocation, or dividend reliability despite accounting profits.

Low Equity RatioAn equity ratio of 8.59% implies a thin equity buffer relative to assets. For a regional bank, this limits loss-absorbing capacity and constrains conservative balance sheet expansion or stress resilience, making capital management a structural governance focus for the medium term.

Cash Flow VolatilityPrior negative cash flow growth and noted need to improve cash conversion indicate volatility in cash generation. Such swings can impair funding flexibility and increase reliance on external liquidity, creating a persistent operational risk over the coming months if not addressed.

FFDF FAQ

What was Ffd Financial Corp.’s price range in the past 12 months?

Ffd Financial Corp. lowest stock price was $32.91 and its highest was $45.42 in the past 12 months.

What is Ffd Financial Corp.’s market cap?

Ffd Financial Corp.’s market cap is $130.51M.

When is Ffd Financial Corp.’s upcoming earnings report date?

The company’s upcoming earnings report date is not yet available.

How were Ffd Financial Corp.’s earnings last quarter?

Currently, no data Available

Is Ffd Financial Corp. overvalued?

According to Wall Street analysts Ffd Financial Corp.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Ffd Financial Corp. pay dividends?

Ffd Financial Corp. pays a Quarterly dividend of $0.34 which represents an annual dividend yield of 3.4%. See more information on Ffd Financial Corp. dividends here

What is Ffd Financial Corp.’s EPS estimate?

Ffd Financial Corp.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Ffd Financial Corp. have?

Ffd Financial Corp. has 2,948,958 shares outstanding.

What happened to Ffd Financial Corp.’s price movement after its last earnings report?

Currently, no data Available

Which hedge fund is a major shareholder of Ffd Financial Corp.?

Currently, no hedge funds are holding shares in FFDF

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Ffd Financial Stock Smart Score

Neutral

Technicals

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Company Description

Ffd Financial Corp.

FFD Financial Corporation operates as the bank holding company for First Federal Community Bank, National Association that provides various banking products and services. The company accepts checking and savings accounts. Its loan products include auto, boat, personal, term, commercial real estate, equipment, and home mortgage loans; and home equity and business lines of credit. The company also offers debit and credit cards; property and casualty insurance products; and cash management, overdraft, e-statement, direct deposit, bill pay, wire transfers, safe deposit boxes, night depository, and teller services, as well as online, telephone, and mobile banking services. It operates branches in Dover, New Philadelphia, Uhrichsville, Berlin, Mt. Hope, and Sugarcreek, Ohio. FFD Financial Corporation was founded in 1898 and is based in Dover, Ohio.