FFD Financial Corporation Logo

FFD Financial Corporation

FFDF

(2.5)
Stock Price

32,75 USD

1.48% ROA

18.1% ROE

7.54x PER

Market Cap.

87.289.216,00 USD

7.49% DER

3.85% Yield

26.98% NPM

FFD Financial Corporation Stock Analysis

FFD Financial Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

FFD Financial Corporation Fundamental Stock Analysis
# Analysis Rating
1 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

2 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

3 ROE

The stock's ROE falls within an average range (7.26%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.62%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 DER

The stock has a reasonable amount of debt compared to its ownership (73%), suggesting a balanced financial position and a moderate level of risk.

6 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

7 Net Profit Growth

This company's net profit has consistently grown over the past three years, showcasing a positive financial trend and making it an appealing investment opportunity.

8 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (205), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

9 PBV

The stock's high Price-to-Book Value (P/BV) ratio (4.48x) suggests it's overvalued, potentially making it an expensive investment.

10 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

FFD Financial Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

FFD Financial Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Sell
4 Stoch RSI Hold

FFD Financial Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

FFD Financial Corporation Revenue
Year Revenue Growth
1996 138.000
1997 4.100.000 96.63%
1998 3.500.000 -17.14%
1999 3.400.000 -2.94%
2000 3.748.000 9.28%
2001 4.313.000 13.1%
2002 4.648.000 7.21%
2003 4.830.000 3.77%
2004 4.489.000 -7.6%
2005 5.469.000 17.92%
2006 6.425.000 14.88%
2007 7.083.000 9.29%
2008 7.260.000 2.44%
2009 7.028.000 -3.3%
2010 7.501.000 6.31%
2011 8.716.000 13.94%
2012 9.536.000 8.6%
2012 9.459 -100714.04%
2013 9.750 2.98%
2014 10.393 6.19%
2015 12.495.000 99.92%
2016 14.106.000 11.42%
2017 16.221.000 13.04%
2018 19.272.000 15.83%
2019 21.856.000 11.82%
2020 23.864.000 8.41%
2021 24.286.000 1.74%
2022 36.732.000 33.88%
2023 28.217.000 -30.18%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

FFD Financial Corporation Research and Development Expenses
Year Research and Development Expenses Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

FFD Financial Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
1996 528.000
1997 800.000 34%
1998 1.000.000 20%
1999 1.100.000 9.09%
2000 1.076.000 -2.23%
2001 1.114.000 3.41%
2002 1.249.000 10.81%
2003 1.252.000 0.24%
2004 1.537.000 18.54%
2005 1.755.000 12.42%
2006 1.898.000 7.53%
2007 1.948.000 2.57%
2008 2.065.000 5.67%
2009 3.508.000 41.13%
2010 3.821.000 8.19%
2011 4.018.000 4.9%
2012 4.120.000 2.48%
2012 593 -694672.34%
2013 659 10.02%
2014 760 13.29%
2015 864 12.04%
2016 838 -3.1%
2017 848 1.18%
2018 861 1.51%
2019 329.000 99.74%
2020 330.000 0.3%
2021 333.000 0.9%
2022 0 0%
2023 306.000 100%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

FFD Financial Corporation EBITDA
Year EBITDA Growth
1996 1.002.000
1997 2.100.000 52.29%
1998 1.800.000 -16.67%
1999 1.600.000 -12.5%
2000 1.777.000 9.96%
2001 1.983.000 10.39%
2002 2.035.000 2.56%
2003 1.967.000 -3.46%
2004 1.438.000 -36.79%
2005 2.050.000 29.85%
2006 2.493.000 17.77%
2007 3.038.000 17.94%
2008 2.111.000 -43.91%
2009 2.020.000 -4.5%
2010 1.940.000 -4.12%
2011 2.621.000 25.98%
2012 2.548.000 -2.86%
2012 -109 2337714.68%
2013 -105 -3.81%
2014 -160 34.38%
2015 -160 0%
2016 -144 -11.11%
2017 -203 29.06%
2018 -245 17.14%
2019 -172 -42.44%
2020 299.000 100.06%
2021 464.000 35.56%
2022 219.520 -111.37%
2023 14.855.000 98.52%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

FFD Financial Corporation Gross Profit
Year Gross Profit Growth
1996 138.000
1997 4.100.000 96.63%
1998 3.500.000 -17.14%
1999 3.400.000 -2.94%
2000 3.748.000 9.28%
2001 4.313.000 13.1%
2002 4.648.000 7.21%
2003 4.830.000 3.77%
2004 4.489.000 -7.6%
2005 5.469.000 17.92%
2006 6.425.000 14.88%
2007 7.083.000 9.29%
2008 7.260.000 2.44%
2009 7.028.000 -3.3%
2010 7.501.000 6.31%
2011 8.716.000 13.94%
2012 9.536.000 8.6%
2012 9.459 -100714.04%
2013 9.750 2.98%
2014 10.393 6.19%
2015 12.495.000 99.92%
2016 14.106.000 11.42%
2017 16.221.000 13.04%
2018 19.272.000 15.83%
2019 21.856.000 11.82%
2020 23.864.000 8.41%
2021 24.286.000 1.74%
2022 36.732.000 33.88%
2023 28.217.000 -30.18%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

FFD Financial Corporation Net Profit
Year Net Profit Growth
1996 632.000
1997 1.400.000 54.86%
1998 1.000.000 -40%
1999 700.000 -42.86%
2000 922.000 24.08%
2001 1.101.000 16.26%
2002 1.113.000 1.08%
2003 1.032.000 -7.85%
2004 687.000 -50.22%
2005 1.086.000 36.74%
2006 1.352.000 19.67%
2007 1.623.000 16.7%
2008 1.170.000 -38.72%
2009 1.057.000 -10.69%
2010 959.000 -10.22%
2011 1.352.000 29.07%
2012 1.676.000 19.33%
2012 2.503 -66859.65%
2013 2.529 1.03%
2014 2.818 10.26%
2015 3.267.000 99.91%
2016 4.168.999 21.64%
2017 4.874.000 14.46%
2018 6.320.000 22.88%
2019 6.967.000 9.29%
2020 6.970.000 0.04%
2021 9.127.000 23.63%
2022 9.200.000 0.79%
2023 11.614.000 20.79%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

FFD Financial Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 1 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 1 100%
2016 1 0%
2017 2 0%
2018 2 50%
2019 2 0%
2020 2 0%
2021 3 0%
2022 3 33.33%
2023 4 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

FFD Financial Corporation Free Cashflow
Year Free Cashflow Growth
1996 43.000
1997 500.000 91.4%
1998 -300.000 266.67%
1999 -300.000 0%
2000 1.503.000 119.96%
2001 1.966.000 23.55%
2002 207.000 -849.76%
2003 294.000 29.59%
2004 2.227.000 86.8%
2005 4.574.000 51.31%
2006 5.454.000 16.13%
2007 1.398.000 -290.13%
2008 2.184.000 35.99%
2009 1.724.000 -26.68%
2010 -1.621.000 206.35%
2011 3.031.000 153.48%
2012 3.112 -97297.17%
2012 -2.507.000 100.12%
2013 2.467 101721.4%
2014 3.113 20.75%
2015 3.563.000 99.91%
2016 2.888.000 -23.37%
2017 3.929.000 26.5%
2018 6.192.000 36.55%
2019 7.101.000 12.8%
2020 -1.540.000 561.1%
2021 3.599.000 142.79%
2022 0 0%
2023 10.622.000 100%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

FFD Financial Corporation Operating Cashflow
Year Operating Cashflow Growth
1996 541.000
1997 900.000 39.89%
1998 300.000 -200%
1999 -200.000 250%
2000 1.530.000 113.07%
2001 2.002.000 23.58%
2002 1.155.000 -73.33%
2003 637.000 -81.32%
2004 2.308.000 72.4%
2005 4.752.000 51.43%
2006 5.552.000 14.41%
2007 1.876.000 -195.95%
2008 2.697.000 30.44%
2009 2.712.000 0.55%
2010 -800.000 439%
2011 3.245.000 124.65%
2012 3.321 -97611.53%
2012 -2.398.000 100.14%
2013 2.936 81775.75%
2014 3.597 18.38%
2015 3.746.000 99.9%
2016 4.130.000 9.3%
2017 5.035.000 17.97%
2018 6.959.000 27.65%
2019 8.613.000 19.2%
2020 6.733.000 -27.92%
2021 9.003.000 25.21%
2022 0 0%
2023 11.114.000 100%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

FFD Financial Corporation Capital Expenditure
Year Capital Expenditure Growth
1996 498.000
1997 400.000 -24.5%
1998 600.000 33.33%
1999 100.000 -500%
2000 27.000 -270.37%
2001 36.000 25%
2002 948.000 96.2%
2003 343.000 -176.38%
2004 81.000 -323.46%
2005 178.000 54.49%
2006 98.000 -81.63%
2007 478.000 79.5%
2008 513.000 6.82%
2009 988.000 48.08%
2010 821.000 -20.34%
2011 214.000 -283.64%
2012 209 -102292.34%
2012 109.000 99.81%
2013 469 -23140.94%
2014 484 3.1%
2015 183.000 99.74%
2016 1.242.000 85.27%
2017 1.106.000 -12.3%
2018 767.000 -44.2%
2019 1.512.000 49.27%
2020 8.273.000 81.72%
2021 5.404.000 -53.09%
2022 0 0%
2023 492.000 100%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

FFD Financial Corporation Equity
Year Equity Growth
1996 21.411.000
1997 21.500.000 0.41%
1998 15.800.000 -36.08%
1999 16.200.000 2.47%
2000 16.265.000 0.4%
2001 16.604.000 2.04%
2002 16.541.000 -0.38%
2003 16.918.000 2.23%
2004 16.738.000 -1.08%
2005 17.438.000 4.01%
2006 18.363.000 5.04%
2007 18.135.000 -1.26%
2008 18.180.000 0.25%
2009 17.885.000 -1.65%
2010 18.295.000 2.24%
2011 18.971.000 3.56%
2012 22.096.000 14.14%
2012 19.803.000 -11.58%
2013 22.842.000 13.3%
2014 24.748.000 7.7%
2015 27.357.000 9.54%
2016 30.172.000 9.33%
2017 33.571.000 10.12%
2018 39.074.000 14.08%
2019 43.812.000 10.81%
2020 51.184.000 14.4%
2021 52.553.000 2.6%
2022 59.983.000 12.39%
2023 66.970.000 10.43%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

FFD Financial Corporation Assets
Year Assets Growth
1996 79.458.000
1997 88.000.000 9.71%
1998 91.000.000 3.3%
1999 112.300.000 18.97%
2000 125.147.000 10.27%
2001 133.097.000 5.97%
2002 130.303.000 -2.14%
2003 136.408.000 4.48%
2004 135.892.000 -0.38%
2005 148.595.000 8.55%
2006 161.233.000 7.84%
2007 172.994.000 6.8%
2008 181.738.000 4.81%
2009 189.014.000 3.85%
2010 206.465.000 8.45%
2011 219.536.000 5.95%
2012 245.325.000 10.51%
2012 237.243.000 -3.41%
2013 254.072.000 6.62%
2014 272.708.000 6.83%
2015 291.452.000 6.43%
2016 340.206.000 14.33%
2017 382.872.000 11.14%
2018 414.656.000 7.67%
2019 523.100.000 20.73%
2020 592.630.000 11.73%
2021 654.326.000 9.43%
2022 734.727.000 10.94%
2023 785.661.000 6.48%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

FFD Financial Corporation Liabilities
Year Liabilities Growth
1996 5.598.000
1997 66.500.000 91.58%
1998 75.200.000 11.57%
1999 96.100.000 21.75%
2000 108.882.000 11.74%
2001 116.493.000 6.53%
2002 113.762.000 -2.4%
2003 119.490.000 4.79%
2004 119.154.000 -0.28%
2005 131.157.000 9.15%
2006 142.870.000 8.2%
2007 154.859.000 7.74%
2008 163.558.000 5.32%
2009 171.129.000 4.42%
2010 188.170.000 9.06%
2011 200.565.000 6.18%
2012 223.229.000 10.15%
2012 217.440.000 -2.66%
2013 231.230.000 5.96%
2014 247.960.000 6.75%
2015 263.863.000 6.03%
2016 310.034.000 14.89%
2017 349.301.000 11.24%
2018 375.582.000 7%
2019 479.288.000 21.64%
2020 541.446.000 11.48%
2021 601.773.000 10.02%
2022 674.744.000 10.81%
2023 718.691.000 6.11%

FFD Financial Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
9.53
Net Income per Share
3.92
Price to Earning Ratio
7.54x
Price To Sales Ratio
3.09x
POCF Ratio
7.88
PFCF Ratio
8.22
Price to Book Ratio
1.31
EV to Sales
-0.18
EV Over EBITDA
-0.35
EV to Operating CashFlow
-0.47
EV to FreeCashFlow
-0.49
Earnings Yield
0.13
FreeCashFlow Yield
0.12
Market Cap
0,09 Bil.
Enterprise Value
-0,01 Bil.
Graham Number
44.69
Graham NetNet
-209.34

Income Statement Metrics

Net Income per Share
3.92
Income Quality
0.96
ROE
0.18
Return On Assets
0.01
Return On Capital Employed
0.06
Net Income per EBT
0.78
EBT Per Ebit
0.71
Ebit per Revenue
0.49
Effective Tax Rate
0.18

Margins

Sales, General, & Administrative to Revenue
0.01
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.49
Pretax Profit Margin
0.35
Net Profit Margin
0.27

Dividends

Dividend Yield
0.04
Dividend Yield %
3.85
Payout Ratio
0.29
Dividend Per Share
1.14

Operating Metrics

Operating Cashflow per Share
3.75
Free CashFlow per Share
3.59
Capex to Operating CashFlow
0.04
Capex to Revenue
0.02
Capex to Depreciation
0.67
Return on Invested Capital
0.16
Return on Tangible Assets
0.01
Days Sales Outstanding
26.6
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
13.72
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.17

Balance Sheet

Cash per Share
32,94
Book Value per Share
22,63
Tangible Book Value per Share
22.15
Shareholders Equity per Share
22.63
Interest Debt per Share
6.43
Debt to Equity
0.07
Debt to Assets
0.01
Net Debt to EBITDA
-6.23
Current Ratio
278.84
Tangible Asset Value
0,07 Bil.
Net Current Asset Value
-0,62 Bil.
Invested Capital
114905000
Working Capital
0,10 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
7945500
Debt to Market Cap
0.06

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

FFD Financial Corporation Dividends
Year Dividends Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 100%
2018 1 0%
2019 2 0%
2020 2 0%
2021 2 50%
2022 1 0%
2023 1 100%
2024 1 0%

FFD Financial Corporation Profile

About FFD Financial Corporation

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.

CEO
Mr. Trent B. Troyer
Employee
0
Address
321 North Wooster Avenue
Dover, 44622-0038

FFD Financial Corporation Executives & BODs

FFD Financial Corporation Executives & BODs
# Name Age
1 Ms. Kelly Fortney
Senior Vice President & Chief Information Officer
70
2 Mr. Gregory W. Dorris
Executive Vice President, Chief Financial Officer & Treasurer
70
3 Mr. Michele L. Larkin
Senior Vice President
70
4 Ms. Laurie Russell
Controller
70
5 Mr. Scott C. Finnell
Executive Vice President & Secretary
70
6 Mr. Matthew A. Miller
President
70
7 Mr. Trent B. Troyer
Chief Executive Officer & Director
70

FFD Financial Corporation Competitors