Stock fact sheet · data as of
FFD Financial Corporation (FFDF): fair value, margin of safety and Wheel Score
Ticker symbol FFDF · Financial Services · Banks - Regional · United States · Blend
Is FFDF undervalued?
At 49.75 (close of 5 Nov 2026), FFDF trades 35% below the GLS average fair value of 76.73. That average comes from 3 models run on the latest filings, and 2 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns FFD Financial Corporation the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
Only 3 of the nine models produced a value (DCF, 10 Cap, DDM); the others need a dividend, positive free cash flow or positive book value the company does not have yet, so the average rests on a narrow base.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for FFDF, so the nightly engine files it under Blend (value score 62, growth score 65, out of 100).
Nine valuation models for FFDF
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 88.09 | +77% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | - | - | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields; no value tonight |
| Lynch | - | - | EPS × the earnings growth rate (PEG of 1), growth capped at 25%; no value tonight |
| GLS Growth | - | - | EPS compounded ten years at the blended growth rate, discounted back at 15% a year; no value tonight |
| 10 Cap | 120.92 | +143% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 21.19 | -57% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | -267.53 | -638% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
No Piotroski health score is on file for FFDF (the statements it needs were not available), so the Health part of the Wheel Score counts it at half marks - 10 of 20 - rather than marking the stock down for missing data. The GLS Moat score is 9.2 out of 10 - high returns on capital, steady margins and growth that held up through bad years point to a durable business.
Returns on capital are high - ROIC 17.5%, ROE 18.5%, ROA 1.6% - with debt at 0.06 times equity and negative free cash flow.
The dividend yield is 2.89% at a payout ratio of 0%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | - / 9 | ROIC | 17.5% |
|---|---|---|---|
| GLS Moat | 9.2 / 10 | ROE | 18.5% |
| Debt / equity | 0.06 | ROA | 1.6% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 35: No options
FFDF has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (35 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 0k shares a day on a market cap of $145M, with a beta of 0.36 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $145M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 35% below fair value | |
| Premium | Weak | no option data | |
| Moat | Strong | moat 9.2/10 | |
| Health | Fair | no Piotroski score on file - half marks | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.36, $145M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for FFDF in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to FFD Financial Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| SFDL Security Federal Corporation | 46.80 | 60.62 | +23% | 32No options | $145M |
| CBBI CBB Bancorp, Inc. | 13.85 | 51.21 | +73% | 33No options | $147M |
| PONT Pontiac Bancorp, Inc. | 685.00 | 811.82 | +16% | 27No options | $142M |
| PBCO PBCO Financial Corporation | 27.95 | 23.60 | -18% | 19No options | $142M |
| LSBK Lake Shore Bancorp, Inc. | 18.98 | 22.00 | +14% | 29No options | $148M |
| FMBN Farmers & Merchants Bancshares, Inc. | 42.70 | 90.11 | +53% | 28No options | $141M |
| MGYR Magyar Bancorp, Inc. | 23.00 | 50.63 | +55% | 33No options | $148M |
| BLHK Blueharbor Bank | 50.49 | 105.15 | +52% | 31No options | $149M |
| HYNE Hoyne Bancorp, Inc. Common Stock | 18.62 | 0.8649 | -2053% | 16No options | $139M |
| SRBK SR Bancorp, Inc. Common stock | 19.04 | 30.52 | +38% | 32No options | $139M |
| FGBIP First Guaranty Bancshares, Inc. | 18.31 | 58.90 | +69% | 30No options | $151M |
| BEOB BEO Bancorp | 62.27 | 174.87 | +64% | 33No options | $152M |
⚖ Compare FFDF with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about FFDF
Is FFDF undervalued right now?
By the GLS models, yes: at 49.75 the stock is 35% below the average fair value of 76.73 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of FFDF and what does it mean?
FFDF has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for FFDF?
76.73 per share as of 5 Nov 2026 - the simple average of the 3 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does FFD Financial Corporation report earnings next?
No upcoming earnings date is recorded for FFDF in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does FFDF have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on FFDF, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.