Ffd Financial (FFDF) AI Stock Analysis

• Market Cap: $130.51M
• Dividend Yield: 3.4%
• Average Volume (3M): 447.00
• Price to Earnings (P/E): 8.2
• Beta (1Y): 0.04
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 51
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 2,948,958
• 10 Day Avg. Volume: 626
• 30 Day Avg. Volume: 447
• PEG Ratio: 0.92
• Price to Book (P/B): 1.40
• Price to Sales (P/S): 2.15
• P/FCF Ratio: 9.13
• Enterprise Value/Market Cap: 1.00
• Enterprise Value/Revenue: 11.41
• Enterprise Value/Gross Profit: -50.51
• Enterprise Value/Ebitda: 35.34
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 78 Outperform
• Price Target: $51.00 ▲(40.85% Upside)
• Action: Reiterated Date: 11/18/25
• Date: Action: Reiterated 11/18/25

Ffd Financial's strong financial performance, characterized by robust revenue growth and profitability, is the most significant factor driving the stock score. The technical analysis supports a positive trend, and the valuation metrics suggest the stock may be undervalued, providing a balanced investment opportunity.

Positive Factors

Low Leverage

A 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 ROE

ROE 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 & Margins

A 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.

Negative Factors

Poor Cash Conversion

An 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 Ratio

An 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 Volatility

Prior 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.

Ffd Financial Business Overview & Revenue Model

Company Description

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.

Ffd Financial Financial Statement Overview

Summary

Ffd Financial exhibits strong financial performance with impressive revenue growth and profitability. The company maintains a stable balance sheet with low leverage and effective equity utilization. While cash flow metrics show improvement, there is room for enhancing cash conversion efficiency.

Income Statement

Ffd Financial has demonstrated strong revenue growth with a remarkable 326.69% increase in the latest period. The company maintains healthy profit margins, with a gross profit margin of 66.42% and a net profit margin of 26.25%. The EBIT margin is also solid at 31.69%, indicating efficient operational management. However, the EBITDA margin is slightly lower at 33.21%, suggesting room for improvement in managing depreciation and amortization expenses.

Balance Sheet

The balance sheet reflects a strong equity position with a debt-to-equity ratio of 0.07, indicating low leverage and financial stability. The return on equity is robust at 17.16%, showcasing effective use of shareholder funds. The equity ratio stands at 8.59%, suggesting a solid foundation of equity relative to total assets. However, the relatively low equity ratio indicates potential for enhancing asset efficiency.

Cash Flow

Cash flow analysis reveals a significant improvement in free cash flow growth, although the previous period's growth was negative. The operating cash flow to net income ratio is low at 1.88%, indicating potential challenges in converting income into cash. The free cash flow to net income ratio is healthy at 78.26%, reflecting strong cash generation relative to net income.

Breakdown	TTM	Jun 2025	Jun 2024	Jun 2023	Jun 2021	Jun 2020
Income Statement
Total Revenue	11.43M	47.67M	42.50M	32.44M	24.29M	23.86M
Gross Profit	-2.58M	31.67M	28.48M	26.43M	22.86M	21.49M
EBITDA	3.69M	15.83M	14.86M	14.18M	11.43M	10.97M
Net Income	3.06M	12.52M	11.61M	11.12M	9.13M	8.82M
Balance Sheet
Total Assets	0.00	849.00M	785.66M	733.46M	652.85M	591.50M
Cash, Cash Equivalents and Short-Term Investments	0.00	81.05M	97.49M	91.57M	72.27M	75.37M
Total Debt	0.00	5.67M	5.02M	15.04M	15.07M	15.64M
Total Liabilities	0.00	776.06M	718.69M	673.48M	600.30M	540.32M
Stockholders Equity	0.00	72.94M	66.97M	59.98M	52.55M	51.18M
Cash Flow
Free Cash Flow	0.00	11.22M	10.62M	12.45M	8.67M	-1.54M
Operating Cash Flow	0.00	14.34M	11.11M	12.49M	12.08M	6.73M
Investing Cash Flow	0.00	-82.47M	-47.05M	-61.18M	-72.70M	-60.08M
Financing Cash Flow	0.00	51.69M	41.86M	67.99M	57.51M	60.83M

Ffd Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 36.21
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FFDF, the sentiment is Positive. The current price of 36.21 is below the 20-day moving average (MA) of 44.21, below the 50-day MA of 40.39, and below the 200-day MA of 36.69, indicating a bullish trend. The MACD of 1.26 indicates Positive momentum. The RSI at 61.08 is Neutral, neither overbought nor oversold. The STOCH value of 75.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FFDF.

Ffd Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FFDF	78 Outperform	$130.51M	8.19	―	3.40%	―	―
MGYR	75 Outperform	$112.10M	8.58	9.18%	1.81%	12.08%	27.88%
PROV	69 Neutral	$102.64M	17.90	4.68%	3.50%	0.99%	-16.23%
AUBN	68 Neutral	$86.85M	12.98	8.33%	4.16%	24.17%	739.42%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
RVSB	57 Neutral	$105.21M	18.92	2.98%	1.51%	8.77%	369.81%
BSBK	48 Neutral	$106.34M	39.11	1.50%	―	-15.09%	―