Ffd Financial (FFDF) AI Stock Analysis

• Market Cap: $99.90M
• Dividend Yield: 3.49%
• Average Volume (3M): 710.00
• Price to Earnings (P/E): 8.6
• Beta (1Y): 0.25
• Revenue Growth: 30.21%
• EPS Growth: 4.61%
• Country: US
• Employees: 51
• Sector: Financial
• Sector Strength: 76
• Industry: Banks - Regional
• EPS (TTM): 3.93
• Shares Outstanding: 2,948,958
• 10 Day Avg. Volume: 1,356
• 30 Day Avg. Volume: 710
• PEG Ratio: 1.87
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• Price to Cash Flow (P/CF): N/A
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Ffd Financial's overall score reflects its strong financial foundation and attractive valuation, making it a solid investment in the banking sector. The lack of significant updates from the earnings call and a stable technical analysis position do not detract from its appeal, but operational efficiency improvements could further enhance its potential.

Ffd Financial Business Overview & Revenue Model

Company Description

FFD Financial (FFDF) is a financial services company that operates primarily in the banking sector. The firm offers a range of financial products and services, including personal and commercial banking, mortgage lending, and investment services. FFD Financial is committed to providing comprehensive financial solutions to individuals, small businesses, and corporations, with a focus on customer service and community engagement.

How the Company Makes Money

FFD Financial makes money through various revenue streams, primarily driven by interest income, which is earned from loans and mortgages extended to customers. The company also generates revenue from fees associated with banking services such as account maintenance, transaction fees, and overdraft charges. Additionally, FFD Financial earns income from investment services, including wealth management and advisory fees. The company may also have partnerships with financial technology firms to enhance its service offerings and potentially gain additional revenue through collaborative products and services. Key factors contributing to its earnings include interest rate fluctuations, loan demand, and economic conditions impacting the financial sector.

Ffd Financial Financial Statement Overview

Summary

Ffd Financial demonstrates strong financial health with consistent revenue and profit growth, robust equity management, and stable cash flow generation. The company’s low debt levels and high returns on equity are commendable. However, there is room for improvement in operational efficiency to enhance profitability further.

Income Statement

Ffd Financial has demonstrated consistent revenue growth with a strong gross profit margin consistently at 100% due to the banking nature of its operations. The net profit margin has improved to 41.16% in 2024 from 34.27% in 2023, showing enhanced profitability. However, EBIT margins have been volatile, indicating potential operational efficiency issues as the margin increased significantly from 1.64% in 2023 to 50.06% in 2024. The absence of EBITDA figures prevents full cost analysis.

Balance Sheet

The company maintains a solid equity position with an increasing equity ratio, reaching 8.52% in 2024. The debt-to-equity ratio has notably decreased to 0.07, indicating strong leverage management. Return on equity is high, improving to 17.34% in 2024, highlighting excellent shareholder returns. The financial stability is further reflected in the substantial cash reserves and decreasing debt levels.

Cash Flow

Free cash flow has shown a decline in growth, but operating cash flow remains stable relative to net income with a ratio of 0.96 in 2024, indicating efficient cash generation. The free cash flow to net income ratio stands at 0.91, reflecting effective conversion of earnings to cash. The company has managed capex efficiently, maintaining positive free cash flow despite fluctuations in investing and financing activities.

Breakdown
TTM	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement		Total Revenue
25.53M	28.22M	32.44M	24.29M	23.86M	21.86M
	Gross Profit
25.53M	28.22M	32.44M	24.29M	23.86M	21.86M
	EBIT
25.53M	14.13M	530.51K	227.44K	10.67K	8.65K
	EBITDA
168.03K	0.00	0.00	0.00	-411.00K	0.00
	Net Income Common Stockholders
6.45M	11.61M	11.12M	9.13M	6.97M	6.97M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
5.96M	97.49M	-17.51M	-11.09M	75.56M	67.00M
	Total Assets
199.11M	785.66M	734.73M	654.33M	592.63M	523.10M
	Total Debt
14.50M	5.02M	22.04M	15.07M	15.64M	16.21M
	Net Debt
8.54M	-92.47M	-69.53M	-57.20M	-59.74M	-51.68M
	Total Liabilities
181.03M	718.69M	674.74M	601.77M	541.45M	479.29M
	Stockholders Equity
18.09M	66.97M	59.98M	52.55M	51.18M	43.81M
Cash Flow		Free Cash Flow
0.00	10.62M	12.45M	3.60M	-1.54M	7.10M
	Operating Cash Flow
0.00	11.11M	12.49M	9.00M	6.73M	8.61M
	Investing Cash Flow
0.00	-47.05M	-61.18M	-69.62M	-60.08M	-78.66M
	Financing Cash Flow
0.00	41.86M	67.99M	57.51M	60.83M	97.59M

Ffd Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 33.88
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• 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 33.88 is above the 20-day moving average (MA) of 33.53, below the 50-day MA of 34.22, and above the 200-day MA of 31.14, indicating a neutral trend. The MACD of -0.16 indicates Negative momentum. The RSI at 52.23 is Neutral, neither overbought nor oversold. The STOCH value of 51.31 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	$99.90M	8.62	17.34%	3.49%	30.21%	4.61%
SRBK	63 Neutral	$108.86M	168.73	0.21%	0.39%	―	―
Sector *	63 Neutral	$12.07B	9.35	8.15%	79.57%	12.85%	-5.13%
RBKB	51 Neutral	$112.83M	―	-7.32%	―	-18.28%	-296.52%
WMPN	50 Neutral	$102.21M	―	-0.81%	1.13%	2.25%	-261.40%
BSBK	41 Neutral	$91.81M	―	-1.58%	―	-11.26%	-460.04%
ILLR	39 Underperform	$167.72M	―	-607.27%	―	―	―