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COMPANY SUMMARY
First Farmers Financial Corporation operates as the financial holding company for First Farmers Bank & Trust, which provides banking products and services to individuals, families, and businesses. The company offers business products, including checking and savings accounts, business lending, leasing, treasury management, small business loans, autobooks and home base; personal banking products, such as essential, interest, and foundation checking, regular, minor, senior and health savings accounts, certificates of deposit, and individual retirement accounts, as well as account management services; and lines of credit, term loans, real estate financing and construction loan, equipment financing, inventory loans, livestock lending, and vehicle financing, as well as leasing, and mobile and online banking services. The company also offers mortgages and construction loans, first time home buyers’ loans, home equity loans, auto loans, collateral loans, and debit and credit cards. The company has offices throughout Carroll, Cass, Clay, Grant, Hamilton, Howard, Huntington, Madison, Marshall, Miami, Starke, Sullivan, Tippecanoe, Tipton, Vigo, and Wabash counties in Indiana; and offices in Coles, Edgar, and Vermilion counties in Illinois. First Farmers Financial Corporation was founded in 1885 and is headquartered in Converse, Indiana.
Financial Summary
| Share Statistics | FFMR | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $478.5 | $716.9 | 37% |
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| Shares Out (Mil) | 14.3 | 15.7 | 25% |
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| Institutional Ownership | na | 83.0% | na |
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| Float (Mil) | na | 21.2 | na |
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| Beta | 0.20 | 0.48 | 12% |
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| Avg Daily Volume (000s) | 1 | 53 | 4% |
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| Price Change (52-week) |
0.7% | 96.7% | 46% |
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| Growth | FFMR | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 10.2% | 7.6% | 59% |
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| Net Income (5yr) | 11.2% | 11.1% | 57% |
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| EPS (5yr) | 11.7% | 10.1% | 50 |
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| Dividends (5yr) | 10.4% | 3.6% | 78% |
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| Cash Flow (5yr) | (14.9%) | (17.0%) | 53% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | FFMR | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $131 | $190 | 29% |
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| Net Income (TTM) (Mil) | $50 | $51 | 55% |
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| EPS (TTM) | $3.583 | $2.500 | 81% |
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| Operating Cash Flow (TTM) (Mil) | na | $34 | na |
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| Net Cash Flow (TTM) (Mil) | na | $1 | na |
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| Long-Term Debt (Q1) (Mil) | $173 | $100 | 49% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | FFMR | Industry Median |
Percentile (All Stocks) |
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| P/B | 3.22 | 1.27 | 67% |
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| P/E | 9.6 | 12.9 | 14% |
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| Dividend Yield | 3.0% | 2.2% | 84% |
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| PEG (5yr hist) | 0.8 | 1.1 | 38% |
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| Ratios | FFMR | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 38.3% | 28.9% | 94% |
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| ROA | 6.0% | 1.0% | 76% |
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| ROE | 65.2% | 11.1% | 94% |
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| Liabilities to Assets | 90.8% | 89.8% | 87% |
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| F-Score | 1 | 4 | na |
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First Farmers Financial Corporation did not pass any screens on 7/31/2026.
