FFD Financial (FFDF) Stock Price, News & Analysis

Company Overview

FFD Financial Corporation (OTCMKTS:FFDF) is a diversified financial services holding company offering a broad range of banking, lending and fiduciary services. As the parent of FFD Bank, the company provides retail and commercial clients with deposit-taking, mortgage lending and business financing solutions. Its operations combine traditional community banking values with an expanding suite of digital and mobile banking tools designed to enhance customer convenience and accessibility.

Core products and services include checking and savings accounts, certificates of deposit and money market instruments for consumers, as well as commercial and industrial loans, equipment financing and lines of credit for small to mid-sized enterprises. The company also offers residential mortgage origination and servicing, trust and estate administration, investment advisory and asset management through its wealth management division. Insurance brokerage services further augment its integrated financial platform.

Founded in the mid-1980s and headquartered in Austin, Texas, FFD Financial has grown through a combination of organic expansion and targeted acquisitions in the South Central United States. Its branch network serves communities across Texas, Oklahoma and northern Louisiana, with a strategic emphasis on relationship banking and localized decision-making. Over time, the firm has reinvested in technology infrastructure to support remote account opening, online loan applications and real-time payment processing.

Under the oversight of an experienced board and senior management team, FFD Financial continues to pursue market share gains through digital transformation and enhanced service offerings. Key strategic priorities include deepening commercial banking penetration, scaling wealth management capabilities and strengthening risk management frameworks to support sustainable growth and shareholder value.

Key Stats

• Today's Range: $35.35 to $36.21
• 50-Day Range: $33.01 to $37.50
• 52-Week Range: $26.51 to $37.50
• Volume: 1,420 shs
• Average Volume: 393 shs
• Market Capitalization: $102.60 million
• P/E Ratio: 8.55
• Dividend Yield: 3.45%
• Price Target: N/A
• Consensus Rating: N/A

FFD Financial Stock Analysis - MarketRank™

FFD Financial scored higher than 17% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for FFD Financial.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of FFD Financial is 8.55, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.50.

Price to Earnings Ratio vs. Sector

The P/E ratio of FFD Financial is 8.55, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.15.

Price to Book Value per Share Ratio

FFD Financial has a P/B Ratio of 1.55. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.00% of the float of FFD Financial has been sold short.

Short Interest Ratio / Days to Cover

FFD Financial has a short interest ratio ("days to cover") of 0.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

FFD Financial pays a meaningful dividend of 3.45%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

FFD Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of FFD Financial is 29.47%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.00% of the float of FFD Financial has been sold short.

Short Interest Ratio / Days to Cover

FFD Financial has a short interest ratio ("days to cover") of 0.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

News and Social Media

• Score: 0.0 / 5
• News Sentiment: N/A

News Coverage This Week

MarketBeat has tracked 1 news article for FFD Financial this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, FFD Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

11.51% of the stock of FFD Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 0.38% of the stock of FFD Financial is held by institutions.

FFDF Stock Analysis - Frequently Asked Questions

How have FFDF shares performed this year?

FFD Financial's stock was trading at $33.00 at the start of the year. Since then, FFDF shares have increased by 7.2% and is now trading at $35.38.

How were FFD Financial's earnings last quarter?

FFD Financial Corp. (OTCMKTS:FFDF) issued its earnings results on Wednesday, April, 23rd. The bank reported $1.05 earnings per share (EPS) for the quarter. The bank earned $7.76 million during the quarter. FFD Financial had a trailing twelve-month return on equity of 17.71% and a net margin of 26.16%.

When did FFD Financial's stock split?

Shares of FFD Financial split on Friday, November 26th 2021.The 3-1 split was announced on Friday, November 26th 2021. The newly minted shares were payable to shareholders after the market closes on Friday, November 26th 2021. An investor that had 100 shares of stock prior to the split would have 300 shares after the split.

How do I buy shares of FFD Financial?

Shares of FFDF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of FFD Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that FFD Financial investors own include Marlin Business Services (MRLN), Playa Hotels & Resorts (PLYA), QUALCOMM (QCOM), American Tower (AMT), Alexion Pharmaceuticals (ALXN), Allogene Therapeutics (ALLO) and Allstate (ALL).

Company Calendar

• Last Earnings: 4/23/2025
• Ex-Dividend for 5/15 Dividend: 5/01/2025
• Record date for 5/15 Dividend: 5/02/2025
• Dividend Payable: 5/15/2025
• Today: 7/18/2025
• Fiscal Year End: 6/30/2026

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:FFDF
• CIK: 1006177
• Web: www.firstfed.com
• Phone: (330) 364-7777
• Fax: 330-364-7779
• Employees: 51
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $4.14
• Trailing P/E Ratio: 8.55
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $11.61 million
• Net Margins: 26.16%
• Pretax Margin: N/A
• Return on Equity: 17.71%
• Return on Assets: 1.51%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $42.24 million
• Price / Sales: 2.43
• Cash Flow: $4.74 per share
• Price / Cash Flow: 7.47
• Book Value: $22.86 per share
• Price / Book: 1.55

Miscellaneous

• Outstanding Shares: 2,900,000
• Free Float: 2,565,000
• Market Cap: $102.60 million
• Optionable: Not Optionable
• Beta: 0.33