First Farmers Financial Corporation (FFMR)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 96 | 103 | 108 | 119 | 127 | 138 | 147 | - |
| Operating profit | $m | 62 | 69 | ||||||
| Net profit | $m | 30 | 36 | 41 | 46 | 35 | 50 | 55 | - |
| EPS reported | $ | 2.39 | 3.00 | ||||||
| Operating cashflow per share | $ | 2.77 | 2.92 | ||||||
| Capex per share | $ | 0.21 | 0.17 | ||||||
| FCF per share | $ | 2.56 | 2.75 | ||||||
| Free cash flow | $m | 54 | 59 | ||||||
| Net debt | $m | 92 | 4 | ||||||
| Book value equity | $m | 321 | 334 | ||||||
| Book value per share | $ | 15.29 | 24.08 | ||||||
| Number of shares | m | 20.98 | 13.89 | ||||||
| DPS (TTM paid) | $ | 1.00 | 1.30 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 28.45 | 29.80 | ||||||
| P/B LTM | x | 1.48 | 1.42 | ||||||
| P/S LTM | x | 3.44 | 3.23 | ||||||
| P/FCF LTM | x | 8.85 | 8.08 | ||||||
| EV/EBITDA LTM | x | 8.77 | 8.12 | ||||||
| EV/Sales LTM | x | 2.66 | 2.67 | ||||||
| Earnings Yield LTM | % | +3.51% | +3.36% | ||||||
| FCF Yield | % | +11.31% | +12.38% | ||||||
| Quality | |||||||||
| ROE | % | +15.62% | +16.56% | ||||||
| ROIC | % | +1.46% | +11.38% | ||||||
| Operating margin | % | +29.01% | +29.25% | ||||||
| Gross margin | % | +60.93% | +61.49% | ||||||
| FCF/Sales | % | +25.04% | +26.38% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +42.26% | +78.57% | ||||||
| Sales Growth YoY | % | +8.97% | +16.09% | ||||||
| Net Income Growth YoY | % | +41.47% | +55.77% | ||||||
| FCF Growth | % | -8.55% | +0.14% | ||||||
| Operating Profit Growth | % | +42.91% | +57.48% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.92% | +3.01% | ||||||
| Dividend Growth | % | +3.63% | +34.20% | ||||||
| Payout Ratio | % | +27.64% | +27.23% | ||||||
| FCF/Debt | x | 0.25 | 0.50 | ||||||
| Net Debt/EBITDA | x | 1.47 | -1.92 | ||||||
| EBIT/Net interest | x | 0.82 | 0.84 | ||||||
| Net debt/market cap | % | +43.98% | +13.92% | ||||||
| Net debt/Equity | x | 0.29 | 0.01 | ||||||
| Gross debt/equity | x | 0.66 | 0.35 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Headquartered in Converse, Indiana, and established in 1885, First Farmers Financial Corporation functions as the financial holding company for First Farmers Bank & Trust. This institution delivers a comprehensive array of banking products and services, catering to individuals, families, and commercial clients. Its offerings include various deposit accounts, such as checking, savings, health savings, youth, business, government, certificates of deposit, and individual retirement accounts, alongside full-service account management. Lending solutions encompass mortgages (including options for construction, first-time homebuyers, and home equity), auto loans, and collateralized financing. The bank also provides debit and credit cards. For businesses, services extend to lines of credit, term loans, real estate and equipment financing, enhancement loans, letters of credit, inventory and livestock lending, and vehicle financing, further complemented by leasing options and convenient mobile and online banking. The corporation maintains a presence with offices across seventeen Indiana counties (Carroll, Cass, Clay, Grant, Hamilton, Howard, Huntington, Madison, Marshall, Miami, Starke, Sullivan, Tippecanoe, Tipton, Vigo, and Wabash) and three Illinois counties (Coles, Edgar, and Vermilion).
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
First Farmers Financial Corporation (FFMR)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Headquartered in Converse, Indiana, and established in 1885, First Farmers Financial Corporation functions as the financial holding company for First Farmers Bank & Trust. This institution delivers a comprehensive array of banking products and services, catering to individuals, families, and commercial clients. Its offerings include various deposit accounts, such as checking, savings, health savings, youth, business, government, certificates of deposit, and individual retirement accounts, alongside full-service account management. Lending solutions encompass mortgages (including options for construction, first-time homebuyers, and home equity), auto loans, and collateralized financing. The bank also provides debit and credit cards. For businesses, services extend to lines of credit, term loans, real estate and equipment financing, enhancement loans, letters of credit, inventory and livestock lending, and vehicle financing, further complemented by leasing options and convenient mobile and online banking. The corporation maintains a presence with offices across seventeen Indiana counties (Carroll, Cass, Clay, Grant, Hamilton, Howard, Huntington, Madison, Marshall, Miami, Starke, Sullivan, Tippecanoe, Tipton, Vigo, and Wabash) and three Illinois counties (Coles, Edgar, and Vermilion).
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