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First Farmers Financial Corporation (FFMR)

USD34.01 +0.01 (+0.03%)
US OTC Financial Services Banks - Regional
Address 123 North Jefferson Street 46919
Converse, IN, US
CEO Keith D. Hill
Website ffbt.com
IPO 2018-02-07
ISIN US3201731078

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Description

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).

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD34.01 +0.01 (+0.03%)
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Volume Profile
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Liquidity & share structure
Average Volume
1.4K
Beta
0.20
Float Shares
6.26M
Free Float %
90.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +1.49% +3.20% +4.37% +1.49% +0.01% +2.26% +10.57% +58.14% +109.23% +109.23%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
34.01
DCF (Unlevered) 136.73 +302.0%
DCF (Levered) 191.35 +462.6%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.42
Distress
Piotroski F-Score
7 / 9
Strong
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
3 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
  • Revenue growth
    +3.1% Q1'26: +5.6% (vs Q1'25)
  • EPS growth
    +42.3% Q1'26: +10.2% (vs Q1'25)
  • FCF margin
    Q1'26: +32.9% (vs Q1'25)
  • EBIT margin
    Q1'26: +30.8% (vs Q1'25)
  • ROIC
    Q1'26: +28.0% (vs Q1'25)
  • Share dilution
    -0.5% Q1'26: -0.7% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 1.40× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.19) × ERP
WACC = 69% × Ke + 31% × Kd (36.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 136.73 Current price: 34.01
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-27 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-22 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-21 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-20 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-15 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-14 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-13 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-12 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-11 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-08 A 4/5 5/5 5/5 4/5 3/5 3/5 2/5
2026-05-06 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-05 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-05-01 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-04-30 A- 4/5 5/5 5/5 4/5 2/5 3/5 2/5
2026-04-28 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-27 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-24 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-23 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-21 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-17 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-16 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
58.64M
OE per share TTM
8.39
Owner's Yield
12.40%
Maintenance CapEx ratio
5.86%
Maint CapEx / Avg PPE
15.7%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
1.78M
Shares Outstanding
6.94M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Allison Bobeck Chief Financial Officer
Brandt Downing Senior Vice President & Chief Operating Officer male
Cary Mawbey Senior Vice President & Chief Credit Officer male
Jessica Rolph Vice President & Director of Marketing & Advertising female
Keith D. Hill Chief Executive Officer, President & Director male
Marcus Misinec Senior Vice President, General Counsel & Corporate Secretary male
Mark Jones Senior Vice President and Director of Loan Review & Special Assets male
Robert Martin Senior Vice President & Chief Information Officer
Stephen Wilson General Counsel, Director of Compliance & BSA male
Tade J. Powell Senior Vice President of Communications & Public Relations male
Tammy Pence Senior Vice President & Chief Human Resource Officer female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits