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FFD Financial Corp (FFDF) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of FFD Financial Corp stock $41.60, price $50.00, that is 16.8% below the price, quality 67 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

FF FFD Financial Corp logo Broad data Nov 7, 2026

FFD Financial Corp

FFDF · US
Solid, but expensive

Our calculation puts a fair price 17% below what the stock costs today.

Quality 67/100
Healthy Growth (revenue 5y +17.6 %/yr in USD)
Highly profitable · 42.3% net margin (TTM)
Ranks above peers (12/15)
Broad data
Last quarter vs. a year ago: revenue +21%, profit +34%.
Wide moat 72/100 · thin data
Fair value $41.60 · Overvalued
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$51.41 $20.58 Fair Value $41.60 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range $20.58 – $51.41 · fair‑value band $31.35 – $66.15 · the $50.00 price screens above the $41.60 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

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.

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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.

Stock analysis

FFD Financial Corp (FFDF) currently trades at $50.00, while our model-based Fair Value estimate is $41.60, 17% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $57.52 per share, and 1 of the 6 models we run sit above the $50.00 price.

Bear case: the Dividend Discount group reads lowest at $17.25, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $31.35 (bear) to $66.15 (bull), the price of $50.00 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 67/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

FFD Financial Corp reported revenue of $53.7M in FY2026 versus $24.3M in FY2022, a compound +21.9%/yr. Reported net income was $16.3M in FY2026, compounding +15.7%/yr from FY2022.

Key figures

Market cap $145M Micro · P/E ratio 8.5 · P/S ratio 2.60 · EPS (TTM) $5.85 · Net margin 30.4% · Return on equity 18.6% · Return on assets (EBIT) 1.8% (5-year average) · Operating margin 57.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 72 out of 100 (low confidence).

What moves the price

The share trades about 3% below its 52-week high and 41% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −17%, FFDF screens cheaper than that median.

Fair Value models

Bear $31.35 Fair Value $41.60 Bull $66.15
Price $50.00 · Downside -16.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 4 months old). Earnings retained since then ($2.12 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $31.35 $41.60 $66.15 74
Gordon GGM $10.10 $17.97 $24.47 68
DDM Multi-Stage $10.10 $16.52 $19.22 67
All 6 models by family
Dividend Discount
Gordon GGM $10.10 $17.97 $24.47 68
DDM Multi-Stage $10.10 $16.52 $19.22 67
Multiples
P/E Multiple $54.81 $73.08 $91.35 63
P/B Multiple $31.46 $41.95 $52.44 55
Asset-Based
NCAV (Graham) $14.98 $20.08 $29.96 54
Economic Profit
Residual Income $31.35 $41.60 $66.15 74

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Quality Score breakdown

Overall quality 67/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 41
How much profit the company makes from its sales and capital
Quality Growth 70
Are margins and returns getting better?
Cashflow 85
Do the profits arrive as real cash?
Financial strength 43
Debt, balance sheet and risk of trouble
Investment 59
Does it invest with discipline instead of growing at any price?
Low Volatility 97
How calm the share price moves, does not count
Price momentum 61
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 84
Distance to the 52-week high, does not count
New shares 89
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+12.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.6%
Start year 2021 (pandemic). Over 10 years: +15.7% a year
Revenue growth 30 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.6%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+13.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+13.7%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.13.7% vs 17.7%, slowing
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.45% → 37%
Pace: the 5-year rate starts in 2021 (pandemic)

FFDF screens overvalued: fair value 17% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 12/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 67 · Top 25%
Fair Value upside −16.8% · Above median
Profitability
Return on equity (12 months) 18.6% · Top 25%
Return on assets 1.6% · Top 25%
Net margin (12 months) 42.3% · Top 25%
Operating margin (12 months) 57.1% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 20.6% · Top 25%
Dividend yield (12 months) 0.0% · Bottom 25%
Balance sheet
Debt / equity 0.00× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 8.5× · Cheapest 25%
P/B 1.65× · Priciest 25%
P/S (12 months) 6.96× · Priciest 25%
Price / free cash flow (fiscal year) 8.3× · Cheaper than median
EV/EBITDA 0.8× · Cheapest 25%
PEG 1.44× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)11 · sector 8
FUTURE (revenue growth)100 · sector 47
PAST (return on equity)74 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs FFDF
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs FFDF
BNP Paribas SA BNP €91.93 €106.01 +15% vs FFDF
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs FFDF
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs FFDF
UniCredit S.p.A UCG €76.80 €50.44 −34% vs FFDF
Mizuho Financial Group MFG $9.40 $5.89 −37% vs FFDF
DBS Group D05 69.72 SGD 40.39 SGD −42% vs FFDF
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs FFDF
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs FFDF

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FFD Financial Corp: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "FFD Financial Corp Fair Value". https://www.fairvalue-calculator.com/stock/FFDF

Frequently asked questions

Is FFD Financial Corp (FFDF) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $41.60 versus a price of $50.00, about 17% lower (overvalued).
What is the fair value of FFDF?
Our model-based fair value for FFD Financial Corp is $41.60 (as of Nov 7, 2026), built from audited fundamentals. The current price: $50.00.
What is the quality score of FFDF?
FFD Financial Corp has a Quality Score of 67/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for FFD Financial Corp (FFDF)?
Our model-based price target is the fair value of $41.60 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario $31.35, optimistic scenario $66.15. It is a calculation from audited fundamentals, not an analyst target.
What is the FFD Financial Corp stock forecast for 2026?
Our models put fair value at $41.60, about 17% lower versus a price of $50.00 (overvalued). Cautious scenario $31.35, optimistic scenario $66.15. The calculation is refreshed regularly with new filings.
What is the revenue of FFD Financial Corp (FFDF)?
FFD Financial Corp reported trailing-twelve-month revenue of about $20.9M (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of FFD Financial Corp (FFDF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For FFD Financial Corp it is $41.60 per share (as of Nov 7, 2026), against a price of $50.00. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is FFD Financial Corp stock overvalued or undervalued in 2026?
As of Nov 7, 2026, FFDF trades above its calculated fair value: price $50.00, fair value $41.60, a gap of about −17% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FFDF?
No. The price is what the market pays today ($50.00); the fair value is what the company's own numbers justify ($41.60). For FFD Financial Corp the two are $8.40 per share apart. That gap is exactly why we show both numbers side by side.
How much is FFD Financial Corp worth?
The market values FFD Financial Corp at about $145M (market capitalisation, as of Nov 7, 2026). Per share that is $50.00; our models calculate a fair value of $41.60 per share.
What do the bullish and bearish scenarios say about FFDF?
Our models span a range for FFD Financial Corp: cautious scenario $31.35, base $41.60, optimistic $66.15 per share (as of Nov 7, 2026, price $50.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FFDF?
FFD Financial Corp trades at a price-to-earnings ratio of 8.5 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $41.60 is built from several models across several years. Median P/E at fiscal year-end, 5 fiscal years (2022 to 2026), reported earnings: 8.2. Other multiples: PEG 1.4, P/B 1.7, P/S 7.0, EV/EBITDA 0.8.
What is the PEG ratio of FFDF?
The PEG ratio of FFD Financial Corp is 1.44 (P/E divided by earnings growth, as of Nov 7, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of FFD Financial Corp (FFDF)?
Balance-sheet figures for FFD Financial Corp (as of Nov 7, 2026): return on equity 18.6%, debt of 0.00 per unit of equity. They feed the Quality Score of 67/100, which measures business quality independently of the share price.
How far is FFDF from its 52-week high?
FFD Financial Corp trades at $50.00, about 3% below its 52-week high of $51.41 and 41% above the low of $35.40 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $41.60 is for.
Which stocks are comparable to FFD Financial Corp?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is FFD Financial Corp stock attractive at the current price?
The data as of Nov 7, 2026: price $50.00, calculated fair value $41.60 (−17%), Quality Score 67/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FFDF calculated?
We run FFD Financial Corp through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $41.60 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. FFD Financial Corp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of FFD Financial Corp (FFDF)?
The closing price on Nov 6, 2026 was $50.00. Our model-based fair value is $41.60, about 17% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with FFD Financial Corp right now?
Solid but not exceptional quality (67/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($31.35 to $66.15) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of FFD Financial Corp (FFDF) come from?
Earnings per share at FFD Financial Corp grew +20.9 % a year from 2015 to 2026. Broken into its drivers: revenue per share +20.8 %, EBIT margin +5.3 %, tax rate +1.4 %, residual (interest, one-offs) −6.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of FFD Financial Corp

How large is the market capitalisation of FFD Financial Corp (FFDF)?
The market capitalisation of FFD Financial Corp is $145M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of FFD Financial Corp (FFDF)?
The price-to-sales ratio of FFD Financial Corp is 2.60 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of FFD Financial Corp (FFDF)?
Earnings per share at FFD Financial Corp are $5.85 (price ÷ EPS = P/E 8.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of FFD Financial Corp (FFDF)?
The net margin of FFD Financial Corp is 30.4% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of FFD Financial Corp (FFDF)?
The return on equity (ROE) of FFD Financial Corp is 18.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of FFD Financial Corp (FFDF)?
On an EBIT basis the return on assets of FFD Financial Corp is 1.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of FFD Financial Corp (FFDF)?
The operating margin of FFD Financial Corp is 57.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at FFD Financial Corp (FFDF)?
Revenue at FFD Financial Corp is growing +20.6% versus a year earlier (3y avg +18.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at FFD Financial Corp (FFDF)?
Earnings per share at FFD Financial Corp are growing +34.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does FFD Financial Corp (FFDF) generate?
The free cash flow of FFD Financial Corp is $17.4M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does FFD Financial Corp (FFDF) hold?
FFD Financial Corp holds more cash than debt, $123M net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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