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First Farmers Financial Corporation FFMR

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Price alert · FFMR

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37.75 USD 0.00 0.00%

At close · Oct 30

37.75 Day range 37.75
32.05 52-week range 37.75
YTD
+11.06%
1 year
+14.39%
Open
37.75
Prev close
37.75
Mkt cap
523.90M
Vol
108
Avg vol
509
EPS
3.96
P/E
9.53
More statistics
Low
37.75
High
37.75

3M chart

Chart tools
Interval
1m5m15m30m

Events in this range
  • Sep 30, 2026Dividend: 0.27
Signals (12)
NameDateAgo
MACD: Sell SignalNov 2, 20261 day ago
MACD: Buy SignalOct 26, 20261 week ago
RSI: OverboughtOct 2, 20261 month ago
MACD: Sell SignalSep 23, 20261 month ago
RSI: OverboughtSep 16, 20261 month ago
MACD: Buy SignalSep 2, 20262 months ago
RSI: OverboughtSep 2, 20262 months ago
MACD: Sell SignalAug 26, 20262 months ago
RSI: OverboughtAug 17, 20262 months ago
MACD: Buy SignalAug 10, 20262 months ago
RSI: OverboughtAug 10, 20262 months ago
MACD: Sell SignalAug 7, 20262 months ago

Financial health

Altman Z-Score

-0.63 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 5
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 3
  • P/B 2

Valuation

P/E 9.5×
FY 2016: 13.7×FY 2017: 11.6×FY 2018: 10.9×FY 2019: 11.4×FY 2020: 10.2×FY 2021: 10.7×FY 2022: 10.4×FY 2023: 12.1×FY 2024: 13.3×FY 2025: 9.5×
FY 2016 5y median 10.7× FY 2025
P/S 2.2×
FY 2016: 3.1×FY 2017: 3.0×FY 2018: 3.2×FY 2019: 3.2×FY 2020: 2.9×FY 2021: 3.5×FY 2022: 3.5×FY 2023: 3.1×FY 2024: 2.3×FY 2025: 2.2×
FY 2016 5y median 3.1× FY 2025
P/B 1.5×
FY 2016: 1.7×FY 2017: 1.6×FY 2018: 1.7×FY 2019: 1.7×FY 2020: 1.4×FY 2021: 1.6×FY 2022: 1.8×FY 2023: 2.2×FY 2024: 1.7×FY 2025: 1.5×
FY 2016 5y median 1.7× FY 2025
P/FCF 8.8×
FY 2016: 10.5×FY 2017: 9.4×FY 2018: 8.4×FY 2019: 11.1×FY 2020: 12.3×FY 2021: 5.9×FY 2022: 8.5×FY 2023: 12.9×FY 2024: 8.0×FY 2025: 8.8×
FY 2016 5y median 8.5× FY 2025
EV/EBITDA 8.6×
FY 2016: 10.0×FY 2017: 11.4×FY 2018: 11.5×FY 2019: 11.6×FY 2020: 8.0×FY 2021: 5.1×FY 2022: 8.6×FY 2023: 10.1×FY 2024: 10.8×FY 2025: 8.6×
FY 2016 5y median 8.6× FY 2025
EV/Sales 2.7×
FY 2016: 3.5×FY 2017: 4.1×FY 2018: 4.3×FY 2019: 4.3×FY 2020: 3.0×FY 2021: 2.2×FY 2022: 3.9×FY 2023: 3.5×FY 2024: 2.3×FY 2025: 2.7×
FY 2016 5y median 2.7× FY 2025
FCF Yield 11.3%
FY 2016: 9.5%FY 2017: 10.7%FY 2018: 11.9%FY 2019: 9.0%FY 2020: 8.1%FY 2021: 16.9%FY 2022: 11.8%FY 2023: 7.7%FY 2024: 12.5%FY 2025: 11.3%
FY 2016 5y median 11.8% FY 2025

Profitability

Gross Margin 60.9%
FY 2016: 85.8%FY 2017: 84.4%FY 2018: 80.8%FY 2019: 77.6%FY 2020: 78.8%FY 2021: 84.3%FY 2022: 84.1%FY 2023: 64.1%FY 2024: 49.9%FY 2025: 60.9%
FY 2016 5y median 64.1% FY 2025
Operating Margin 29.0%
FY 2016: 30.1%FY 2017: 32.1%FY 2018: 34.2%FY 2019: 33.6%FY 2020: 33.6%FY 2021: 40.5%FY 2022: 42.3%FY 2023: 32.1%FY 2024: 20.9%FY 2025: 29.0%
FY 2016 5y median 32.1% FY 2025
Net Margin 23.3%
FY 2016: 22.7%FY 2017: 26.1%FY 2018: 29.3%FY 2019: 28.5%FY 2020: 28.2%FY 2021: 32.7%FY 2022: 34.0%FY 2023: 26.0%FY 2024: 17.0%FY 2025: 23.3%
FY 2016 5y median 26.0% FY 2025
ROE 15.6%
FY 2016: 12.6%FY 2017: 14.1%FY 2018: 16.1%FY 2019: 14.9%FY 2020: 13.7%FY 2021: 15.0%FY 2022: 17.7%FY 2023: 17.8%FY 2024: 13.0%FY 2025: 15.6%
FY 2016 5y median 15.6% FY 2025
ROIC 1.5%
FY 2016: 6.6%FY 2017: 6.7%FY 2018: 8.4%FY 2019: 8.0%FY 2020: 7.1%FY 2021: 11.2%FY 2022: 11.0%FY 2023: 2.2%FY 2024: 3.2%FY 2025: 1.5%
FY 2016 5y median 3.2% FY 2025
ROA 1.5%
FY 2016: 1.1%FY 2017: 1.3%FY 2018: 1.6%FY 2019: 1.5%FY 2020: 1.4%FY 2021: 1.5%FY 2022: 1.5%FY 2023: 1.5%FY 2024: 1.1%FY 2025: 1.5%
FY 2016 5y median 1.5% FY 2025

Growth (YoY)

Revenue 3.1%
FY 2016: 8.5%FY 2017: 11.0%FY 2018: 13.7%FY 2019: 9.6%FY 2020: 4.3%FY 2021: 2.9%FY 2022: 9.0%FY 2023: 46.4%FY 2024: 17.3%FY 2025: 3.1%
FY 2016 FY 2025
Operating Income 42.9%
FY 2016: -2.4%FY 2017: 18.3%FY 2018: 21.3%FY 2019: 7.4%FY 2020: 4.5%FY 2021: 24.2%FY 2022: 13.6%FY 2023: 11.1%FY 2024: -23.4%FY 2025: 42.9%
FY 2016 FY 2025
EPS (diluted) 42.3%
FY 2016: 1.3%FY 2017: 27.3%FY 2018: 27.7%FY 2019: 6.7%FY 2020: 3.9%FY 2021: 20.3%FY 2022: 14.0%FY 2023: 11.7%FY 2024: -23.3%FY 2025: 42.3%
FY 2016 FY 2025
Free Cash Flow -8.6%
FY 2016: 36.2%FY 2017: 21.4%FY 2018: 33.6%FY 2019: -16.2%FY 2020: -16.6%FY 2021: 160.3%FY 2022: -22.6%FY 2023: -14.6%FY 2024: 36.0%FY 2025: -8.6%
FY 2016 FY 2025

Financial Health

Current Ratio 1.1×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.1×FY 2025: 1.1×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 1.1×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.1×FY 2025: 1.1×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.7×
FY 2016: 1.0×FY 2017: 1.1×FY 2018: 0.9×FY 2019: 0.9×FY 2020: 0.9×FY 2021: 0.3×FY 2022: 0.6×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.7×
FY 2016 5y median 0.4× FY 2025
Net Debt / EBITDA 1.4×
FY 2016: 1.1×FY 2017: 2.9×FY 2018: 3.0×FY 2019: 2.9×FY 2020: 0.4×FY 2021: -2.9×FY 2022: 0.8×FY 2023: 0.9×FY 2024: -0.0×FY 2025: 1.4×
FY 2016 5y median 0.8× FY 2025
Interest Coverage 0.8×
FY 2016: 3.2×FY 2017: 2.9×FY 2018: 2.4×FY 2019: 1.9×FY 2020: 2.9×FY 2021: 5.7×FY 2022: 3.8×FY 2023: 1.0×FY 2024: 0.5×FY 2025: 0.8×
FY 2016 5y median 1.0× FY 2025

Dividends

Dividend Yield 2.9%
FY 2016: 1.9%FY 2017: 1.9%FY 2018: 2.2%FY 2019: 2.5%FY 2020: 2.9%FY 2021: 2.5%FY 2022: 2.7%FY 2023: 2.3%FY 2024: 2.9%FY 2025: 2.9%
FY 2016 5y median 2.7% FY 2025
Payout Ratio 27.7%
FY 2016: 26.5%FY 2017: 22.1%FY 2018: 23.7%FY 2019: 28.6%FY 2020: 29.9%FY 2021: 26.4%FY 2022: 27.7%FY 2023: 28.3%FY 2024: 38.1%FY 2025: 27.7%
FY 2016 5y median 27.7% FY 2025

Annual · latest fiscal year ends 2025-12-31