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First Farmers Financial(OTC) FFMR

Market Cap$485.74MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2016)+182%
5 Year+84%
1 Year+8%
1 Month+2%
$35.00
-2.10%
-0.75Today
First Farmers Financial last closing stock price
MetricPriceDate
Last closeUSD 35.002026-08-24
First Farmers Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.71%USD 35.252026-08-17
1 month+2.19%USD 34.252026-07-24
3 month+5.28%USD 33.242026-05-26
Year to date+5.37%USD 33.222025-12-30
1 year+7.82%USD 32.462025-08-22
3 year+21.84%USD 28.732023-08-22
5 year+84.43%USD 18.982021-08-13
Since inception+182.09%USD 12.412016-12-21

First Farmers Financial Financials at a Glance

Market Cap

$485.74MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$222.98M

Net Income (TTM)

$55.19M

EPS (TTM)

$3.96

P/E Ratio

8.84

Dividend

$1.79

Beta (Volatility)

0.03 (Low)

Price

$35.00

Volume

175

Open

$35.00

Previous Close

$35.00

Daily Range

$35.00 - $35.00

52-Week Range

$32.05 - $36.00

Estimated Earnings Date

N/A

FFMR News

No articles available.

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About First Farmers Financial

First Farmers Financial Corporation, headquartered in Converse, Indiana, has been serving clients since 1885. As a financial holding company for First Farmers Bank & Trust, it offers a wide range of banking products and services tailored for individuals, families, and businesses.

Products and Services
  • Comprehensive banking solutions including checking, savings, and retirement accounts
  • Diverse lending options such as mortgages, auto loans, and business financing
  • Convenient mobile and online banking services for easy account management
Growth Outlook
  • Consistent revenue growth with Q1 2026 revenue reaching $54.5 million
  • Strong net income of $13.6 million in the latest quarter, reflecting operational efficiency
  • Robust return on equity at 16.56% indicates effective management of shareholder funds
Financial Highlights
  • Trailing twelve months (TTM) revenue of $220.5 million, showcasing solid performance
  • Dividend yield of 2.97% offers attractive returns to shareholders
  • Low debt-to-equity ratio of 0.31 suggests a conservative capital structure
First Farmers Financial Corporation has established a strong presence in the regional banking sector, with a focus on providing personalized financial services. The company operates across multiple counties in Indiana and Illinois, ensuring accessibility for its clients. Recent financial performance indicates a healthy growth trajectory, with significant revenue and net income figures that highlight operational strength. The company's commitment to maintaining a low debt profile further enhances its stability, making it an appealing option for potential investors seeking exposure in the regional banking industry.
AI Generated • Aug 4, 2026

Industry

Banks

Sector

Financials

Employees

416

CEO

Gene E. Miles

Website

www.ffbt.com

Headquarters

Converse, IN 46919, US

FFMR Financials

Key Financial Metrics (TTM)

Gross Margin

62.88%

Operating Margin

30.78%

Net Income Margin

24.75%

Return on Equity

17.21%

Return on Capital

11.68%

Return on Assets

1.57%

Earnings Yield

11.31%

Dividend Yield

2.93%

Payout Ratio

25.65%

Stock Overview

Market Cap

$485.74MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

13.88M

Volume

175

Avg. Volume

380.906

Financials (TTM)

Gross Profit

$140.20M

Operating Income

$68.62M

EBITDA

$70.39M

Operating Cash Flow

$62.34M

Capital Expenditure

-$3.48M

Free Cash Flow

$58.86M

Cash & ST Invst.

$114.96M

Total Debt

$118.51M

First Farmers Financial Performance Analysis

First Farmers Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 121,488,0009.6%
20232023-12-31USD 177,441,00046.1%
20242024-12-31USD 208,192,00017.3%
20252025-12-31USD 213,791,0002.7%
First Farmers Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-302.8%
Q42025-12-312.0%
Q12026-03-31-2.1%
Q22026-06-307.3%
First Farmers Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.9414.0%
20232023-12-31USD 3.2911.8%
20242024-12-31USD 2.52-23.3%
20252025-12-31USD 3.5842.2%
First Farmers Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3012.0%
Q42025-12-3115.8%
Q12026-03-31-4.9%
Q22026-06-3066.2%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$58.41M

+10.2%

Gross Profit

$37.15M

+20.8%

Gross Margin

63.60%

N/A

Market Cap

$485.74MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$13.88M

N/A

Employees

35

N/A

Net Income

$15.01M

+35.5%

EBITDA

$18.67M

+27.5%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$114.96M

-84.9%

Total Debt

$118.51M

-23.5%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$118.51M

-23.5%

Short Term Debt

$0.00

N/A

Return on Assets

1.57%

N/A

Return on Invested Capital

1.96%

N/A

Free Cash Flow

$11.73M

+14.2%

Operating Cash Flow

$12.50M

+12.3%

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Questions About FFMR

What is the current price of First Farmers Financial?

First Farmers Financial is trading at $35.00 per share.

What is the 52-week range for First Farmers Financial?

Over the past 52 weeks, First Farmers Financial has traded between $32.05 and $36.00.

How much debt does First Farmers Financial have?

As of the most recent reporting period, First Farmers Financial reported total debt of $118.51M.

How much cash does First Farmers Financial have on hand?

First Farmers Financial does not have cash on hand data available.

What is First Farmers Financial’s dividend yield?

First Farmers Financial currently has a dividend yield of 2.93%.

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