| Company Name: | FFD Financial Corporation | | Ticker Symbol: | FFDF | | | WWW Address: | www.onlinefirstfed.com | | CEO: | Trent B. Troyer | | No. of Employees: | 52 | | Common Issue Type: | CS | | Business Description: | A holding company for First Federal Community Bank, which attracts deposits from individual & business customers & using these deposits to originate loans to individuals & businesses in its market area, which consists of Tuscarawas counties in Ohio.
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| | | Industry Information: | BANKING - Savings & Loans [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 15.4 |  0.0 | 13.0 | 15.0 | 0 | 12.77 | 12.77 | - |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 15.4 | 1.0 | 0.07 | 1.02 | 0.68 | 14.5 | 5.3 | 15.90 - 10.01 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 12.77 | $ | | PE Ratio - LTM | 14.5 | |
| Market Capitalisation | 12.9 | mil |
| Latest Shares Outstanding | 1.0 | mil |
| Earnings pS (EPS) | 1.02 | $ |
| Dividend pS (DPS) | 0.68 | ¢ |
| Dividend Yield | 5.3 | % |
| Dividend Payout Ratio | 66 | % |
| Revenue per Employee | 215,846 | $ |
| Effective Tax Rate | 34.7 | % |
| Float | 0.8 | mil |
| Float as % of Shares Outstanding | 77.1 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 49.6 | % |
| Pre-Tax Profit Margin | 12.4 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 0.5 | % |
| Return on Equity (ROE) | 5.0 | % |
| Return on Capital Invested (ROCI) | 2.8 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 10.7 | |
| Interest Cover | 1.3 | |
| Total Debt/Equity (Gearing Ratio) | 0.76 | |
| LT Debt/Total Capital | 43.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 17.77 | $ |
| Tangible Book-Value pS | 17.13 | $ |
| Cash Flow pS | 0.89 | $ |
| Free Cash Flow pS | -0.31 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.72 | |
| Price/Tangible Book Ratio | 0.75 | |
| Price/Cash Flow | 14.4 | |
| Price/Free Cash Flow | -40.6 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 10/21/2009 |
| Dividend Ex-Date | 10/27/2009 |
| Dividend Record Date | 10/29/2009 |
| Dividend Pay Date | 11/12/2009 |
| Dividend Amount | 170 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.68 |
| Current Dividend Yield | 5.3 |
| 5-Y Average Dividend Yield | 3.8 |
| Payout Ratio | 66.0 |
| 5-Y Average Payout Ratio | 50.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | -17.6 | 83 | 9 | 62 |
| 4 Weeks | 15.50 | 12.76 | 13.75 | -7.1 | 92 | 5 | 97 |
| 13 Weeks | 15.50 | 11.83 | 13.04 | -2.1 | 92 | 4 | 265 |
| 26 Weeks | 15.90 | 10.36 | 11.25 | 13.5 | 92 | 10 | 1,257 |
| 52 Weeks | 15.90 | 10.01 | 11.51 | 10.9 | 81 | 7 | 1,681 |
| YTD | 15.90 | 10.01 | - | 16.7 | 97 | 7 | 1,543 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 13.84 | 14.57 | 13.57 | 12.76 | 12.28 | 0.07 | -0.07 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 10.06 | 70.3 | 0.61 |
| Income | 7.06 | 23.2 | -9.49 |
| Dividend | 10.70 | 95.7 | 11.07 |
| Capital Spending | 63.77 | NA | 101.43 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 6.25 | NA | -10.00 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -5.2 | -5.2 | -9.5 |
| Earnings % | -48.0 | -48.0 | -9.7 |
| EPS % | -45.2 | -45.2 | -5.6 |
| EPS $ | -0.14 | -0.14 | -0.06 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 9.76 |
| Free Cash Flow Margin 5YEAR AVG | 27.65 |
| Cash-Flow pS | 2.63 |
| Free Cash-Flow pS | 1.01 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 10.57 |
| Debt Ratio | 90.54 |
| Total Debt/Equity (Gearing Ratio) | 0.78 |
| LT Debt/Equity | 0.78 |
| LT Debt/Capital Invested | 43.68 |
| LT Debt/Total Liabilities | 8.10 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 1.20 |
| Tobin's Q Ratio | 0.07 |
| Current P/E Ratio - LTM | 14.50 |
| Enterprise Value (EV)/EBITDA | 0.02 |
| Enterprise Value (EV)/Free Cash Flow | 2.40 |
| Dividend Yield | 5.3 |
| Price/Tangible Book Ratio - LTM | 0.75 |
| Price/Book Ratio - LTM | 0.72 |
| Price/Cash Flow Ratio | 14.4 |
| Price/Free Cash Flow Ratio - LTM | -40.6 |
| P/E Ratio (1 month ago) - LTM | 14.8 |
| P/E Ratio (26 weeks ago) - LTM | 12.1 |
| P/E Ratio (52 weeks ago) - LTM | 11.3 |
| 5-Y High P/E Ratio | 20.0 |
| 5-Y Low P/E Ratio | 9.8 |
| 5-Y Average P/E Ratio | 14.0 |
| Current P/E Ratio as % of 5-Y Average P/E | 104 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 14.5 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 17.13 |
| Book Value pS - LTM | 17.77 |
| Capital Invested pS | 31.40 |
| Cash Flow pS - LTM | 0.89 |
| Free Cash Flow pS - LTM | -0.31 |
| Earnings pS (EPS) | 1.02 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 5.91 |
| Return on Equity (ROE) - 5YEAR AVRG. | 7.0 |
| Return on Capital Invested (ROCI) | 3.33 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 3.7 |
| Return on Assets (ROA) | 0.56 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.7 |
| EBIT Margin - LTM | 49.6 |
| EBITDA Margin - LTM | 49.6 |
| Pre-Tax Profit Margin | 25.94 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 32.49 |
| Net Profit Margin | 16.84 |
| Net Profit Margin - 5YEAR AVRG. | 21.33 |
| Effective Tax Rate | 34.52 |
| Effective Tax Rate - 5YEAR AVRG. | 34.28 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 212,942 |
| Net Income per Employee - LTM | 17,269 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 2,891.06 |
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