First Farmers Financial Corporation

First Farmers Financial Corporation

FFMR
First Farmers Financial CorporationUS flagOther OTC
34.00
USD
- -
- -
707.96MMarket Cap
First Farmers Financial Corporation
FFMR
(Other OTC)

Recent

price

34.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
3.95
4.43
4.74
5.15
5.64
5.95
6.73
7.32
7.68
8.46
8.97
9.89
10.14
Revenue per Share
1.14
1.18
1.19
1.52
1.93
2.07
2.15
2.58
2.94
3.29
2.52
3.58
3.67
Basic EPS, GAAP
1.24
1.14
1.55
1.88
2.51
2.11
1.77
4.64
3.6
3.07
4.18
3.84
4.11
Free Cash Flow per Basic Share
0.24
0.29
0.31
0.33
0.46
0.59
0.64
0.68
0.81
0.93
0.96
0.99
1
Dividend per Share
7.6
8.47
9.32
10.48
11.93
13.42
15.01
16.93
19.07
20.53
22.07
24.77
25.53
Book Value per Share
7.03
7.82
8.63
9.95
11.29
13.17
14.95
16.57
15.97
17.84
18.83
22.31
22.38
Tangible Book Value per Share
14
14
14
14
14
14
14
14
14
14
14
14
14
Basic Weighted Avg Shares
56
63
68
74
81
85
96
103
108
119
126
138
142
Sales/Revenue/Turnover
40.06
36.5
33.26
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
3
4
4
3
3
4
5
4
3
4
4
4
4
Depreciation Expense
16
17
17
22
28
30
30
36
41
46
35
50
51
Net Income, GAAP
28.06
27.29
24.48
18.49
14.41
15.07
16.18
19.4
19.43
18.85
17.51
19.51
19.45
Effective Tax Rate (%)
28.82
26.54
25.12
29.44
34.26
34.71
31.86
35.2
38.27
38.84
28.07
36.24
36.21
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
114
120
140
173
158
173
209
81
143
89
117
209
99
LT Debt
112
125
136
154
172
198
222
243
233
260
274
321
321
Total Equity
- -
7.14
6.55
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
14.65
13.39
15.34
17.25
16.28
15.04
16.09
16.3
16.6
11.83
15.26
15.17
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
109
209
99
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
14
14
14
Market Capitalization
308
317
305

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
763
793
901
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.08%
7.93%
17.26%
Free Cash Flow
20.9%
30.1%
-8.55%
Net Income, GAAP
12.91%
12.61%
41.47%
Sales/Revenue/Turnover
8.15%
7.69%
9.58%
Total Cash Common Dividend
13.23%
8.98%
2.67%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
31
31
32
33
126
2025
33
34
35
37
138
2026
36
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.74
0.29
0.63
- -
2.52
2025
0.89
0.79
0.89
- -
3.58
2026
0.98
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.24
0.24
0.24
- -
0.96
2025
0.25
0.25
0.25
- -
0.99
2026
0.26
- -
- -
- -
- -
Business
First Farmers Financial Corporation is a multi-bank holding company primarily engaged in providing banking and financial services through its subsidiaries. It offers a comprehensive range of banking products including commercial and retail banking services; deposit accounts such as checking, savings, and certificates of deposit; loan products including commercial, agricultural, real estate, and consumer loans; and treasury management services. The company serves a diverse customer base comprising individuals, businesses, and agricultural clients primarily in the Midwest region of the United States. Founded in 1926, First Farmers Financial Corporation is headquartered in Camden, Indiana. Recent major developments for the company include strategic expansion efforts focused on enhancing its agricultural lending portfolio and broadening its service offerings to better serve the rural and agricultural markets. There have been no recent reported name changes, major acquisitions, or publicized new product launches within the last one to two years, indicating a focus on organic growth and strengthening core banking services. The company continues to emphasize its community banking identity and commitment to supporting local economies in its geographic footprint. First Farmers operates through its key subsidiary, First Farmers Bank & Trust, which remains the primary operational bank delivering the company’s full suite of financial services. The company’s business segments encompass retail banking, commercial banking, and trust services with a strong emphasis on agricultural financial products tailored to the specific needs of farming communities. Its geographic operations are concentrated in Indiana and neighboring states, maintaining close ties with the agricultural sector it serves. Overall, First Farmers Financial Corporation is a regional financial institution with a clear focus on agricultural and community banking, providing a broad range of deposit, lending, and financial management services. Its long-standing presence since 1926 and localized operational model foster stability and deep customer relationships within its core markets. It remains committed to serving the financial needs of individuals and businesses in rural and farming regions primarily across the Midwest United States.

Company News

APIChatGPT
  • First Farmers Financial Corp. Declares Record Dividend, Increases Stock Repurchase Authorization and Completes 2-for-1 Stock Split

  • First Farmers and Merchants Corporation Reports First Quarter Net Income up 22.4% to $5.5 Million

  • CORRECTED HEADLINE: First Farmers Financial Corp. Announces Two-for-One Stock Split

  • First Farmers Financial Corp. Declares Record Dividend

  • First Farmers Financial Corp. Declares Record Dividend

  • First Farmers Financial Corp. Announces Common Stock Buyback Program

  • First Farmers and Merchants Corporation Reports Record 2025 Results

  • First Farmers Financial Corp. Declares Record Dividend

  • First Farmers and Merchants Corporation Reports Third Quarter Net Income up 23% to $4.8 Million

  • First Farmers Financial Corp. Declares Record Dividend

  • Banking On The Underserved: A Strategic Investment Case For First Farmers

  • First Farmers and Merchants Corporation Declares Quarterly Cash Dividend of $0.27 Per Share

  • First Farmers Financial Corp. Declares Record Dividend

  • First Farmers and Merchants Corporation Reports First Quarter Net Income up 30.5% to $4.5 Million

  • First Farmers and Merchants Corporation Holds Annual Meeting of Shareholders

  • First Farmers Financial Corp. Announces Common Stock Buyback Program

  • First Farmers and Merchants Corporation Declares Quarterly Cash Dividend of $0.27 Per Share

  • First Farmers Financial Corp. Declares Record Dividend

  • Jill A. Giles Named Chief Financial Officer of First Farmers and Merchants Corporation

  • First Farmers and Merchants Corporation Declares Quarterly Cash Dividend of $0.27 Per Share