First Farmers Financial Corporation FFMR | OTC
$36.99
$0.00 | 0.00%
TREND SIGNAL:
|2026-10-05
|2026-10-05
Company Overview:
Market Cap:
$513.72M
Trailing PE:
10.2x
FWD PE:
—
Payout Ratio (TTM):
25.7%
52-Week Range:
$21.37 - $37.00
9.8 Year FFMR Performance Metrics:
Total Return (with DRIP):
454.8% (19.11% CAGR)
Total Return (no DRIP):
328.6% (16.01% CAGR)
Share Price:
241.6% (13.35% CAGR)
Yield on Cost (with DRIP):
16.20%
Total Invested:
$10,000
Total Value (with DRIP):
$55,478
Total Return $ (with DRIP):
$45,478
Dividend Increase:
227.3% (12.92% CAGR)
Dividend Yield (FWD):
2.92% ($1.08)
FFMR 9.8-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
FFMR Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
FFMR Price CAGR:1Y: 66.92%2Y: 30.92%5Y: 18.74%10Y: 13.34%
FFMR Dividend Charts
FFMR Dividend CAGR:1Y: -46.00%2Y: -25.00%5Y: 8.45%10Y: 12.93%
FFMR Dividend Payout Ratio CAGR:1Y: -22.38%2Y: -46.07%5Y: -4.63%10Y: -5.95%
FFMR Dividend to FCF Ratio CAGR:1Y: -7.94%2Y: -8.01%5Y: 20.01%10Y: 0.00%
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FFMR Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
FFMR Revenue CAGR:1Y: 71.77%2Y: 7.07%5Y: 16.88%10Y: 11.87%
FFMR EPS CAGR:1Y: 36.71%2Y: 136.35%5Y: 24.34%10Y: 19.40%
FFMR Net Income CAGR:1Y: 35.48%2Y: 91.79%5Y: 14.37%10Y: 14.53%
FFMR EBITDA CAGR:1Y: 27.51%2Y: 85.69%5Y: 12.67%10Y: 13.53%
FFMR Free Cash Flow CAGR:1Y: 14.23%2Y: 12.44%5Y: -9.11%10Y: 0.00%
FFMR Free Cash Flow / Share CAGR:1Y: 72.73%2Y: 38.62%5Y: -1.10%10Y: 0.00%
FFMR Operating Income CAGR:1Y: 36.46%2Y: 105.93%5Y: 14.58%10Y: 14.19%
FFMR Gross Profit CAGR:1Y: 20.84%2Y: 38.44%5Y: 11.50%10Y: 8.49%
FFMR Shares Outstanding CAGR:1Y: -0.80%2Y: -18.89%5Y: -8.10%10Y: -4.26%
FFMR Share Buybacks CAGR:1Y: -7.62%2Y: 24.00%5Y: -5.61%10Y: 0.00%
FFMR Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
FFMR Expenses CAGR:1Y: -11.05%2Y: 26.11%5Y: 16.86%10Y: 0.00%
Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
FFMR Actual Revenue CAGR:1Y: 71.77%2Y: 7.07%5Y: 16.88%10Y: 11.87%
FFMR Actual EPS CAGR:1Y: 36.71%2Y: 136.35%5Y: 24.34%10Y: 19.40%
FFMR Actual Net Income CAGR:1Y: 35.48%2Y: 91.79%5Y: 14.37%10Y: 14.53%
FFMR Actual EBITDA CAGR:1Y: 27.51%2Y: 85.69%5Y: 12.67%10Y: 13.53%
Ratios, Profit Margins & Return on Capital:
FFMR Net Profit Margin CAGR:1Y: 22.92%2Y: 79.09%5Y: -2.16%10Y: 2.37%
FFMR Gross Profit Margin CAGR:1Y: 9.67%2Y: 29.30%5Y: -4.61%10Y: -3.03%
FFMR Price to Earnings CAGR:1Y: -24.52%2Y: -48.53%5Y: -4.34%10Y: -6.09%
FFMR Price To Sales Ratio CAGR:1Y: -7.11%2Y: -7.85%5Y: -6.48%10Y: -4.03%
FFMR Return on Capital Employed CAGR:1Y: -81.60%2Y: -16.26%5Y: 5.16%10Y: 0.00%
FFMR Return on Invested Capital CAGR:1Y: -81.74%2Y: -22.00%5Y: -10.48%10Y: 0.00%
FFMR Dividends Info:
Annual Dividend:
$1.08
Forward Yield:
2.92%
Ex-Dividend Date:
2026-09-30
Lifetime Dividends / Share:
$11.69
FFMR Dividend History: Dates, Payments & Yield list
Below is a schedule of all FFMR dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield
| Ex-Date | Payment Date | Amount | Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 09/30/2026 | 10/02/2026 | $0.270 | 2.96% | 2.92% | $37.00 |
| 06/30/2026 | 07/02/2026 | $0.260 | 3.05% | 3.06% | $34.00 |
| 03/31/2026 | 04/02/2026 | $0.520 | 9.52% | 9.46% | $21.99 |
| 12/31/2025 | 01/02/2026 | $0.510 | 9% | 9% | $22.66 |
| 09/30/2025 | 10/02/2025 | $0.500 | 9.09% | 9.09% | $22.00 |
| 06/30/2025 | 07/02/2025 | $0.500 | 9.09% | 9.06% | $22.08 |
| 03/31/2025 | 04/02/2025 | $0.490 | 8.78% | 8.91% | $22.00 |
| 12/31/2024 | 01/02/2025 | $0.490 | 8.78% | 8.78% | $22.32 |
| 09/30/2024 | 10/02/2024 | $0.480 | 8.73% | 8.73% | $22.00 |
| 06/28/2024 | 07/01/2024 | $0.480 | 8.29% | 8.34% | $23.01 |
| 03/27/2024 | 03/29/2024 | $0.480 | 8.47% | 8.41% | $22.82 |
| 12/28/2023 | 01/01/2024 | $0.480 | 7.25% | 7.78% | $24.67 |
| 09/28/2023 | 10/02/2023 | $0.470 | 9.06% | 9.13% | $20.59 |
| 06/29/2023 | 07/03/2023 | $0.470 | 9.17% | 9.17% | $20.50 |
| 03/30/2023 | 04/03/2023 | $0.460 | 8.9% | 8.9% | $20.67 |
| 12/29/2022 | 01/13/2023 | $0.460 | 9.2% | 9.2% | $20.00 |
| 09/29/2022 | 10/14/2022 | $0.225 | 4.69% | 4.5% | $20.00 |
| 06/29/2022 | 07/15/2022 | $0.210 | 4.2% | 4.2% | $20.00 |
| 03/30/2022 | 04/15/2022 | $0.200 | 4.44% | 0% | $0.00 |
| 12/30/2021 | 01/14/2022 | $0.180 | 4% | 3.93% | $18.33 |
| 09/29/2021 | 10/15/2021 | $0.180 | 4.59% | 4.5% | $16.00 |
| 06/29/2021 | 07/15/2021 | $0.170 | 4.76% | 4.73% | $14.38 |
| 03/30/2021 | 04/15/2021 | $0.165 | 4.77% | 4.66% | $14.15 |
| 12/30/2020 | 01/15/2021 | $0.165 | 4.53% | 4.93% | $13.40 |
| 09/29/2020 | 10/15/2020 | $0.160 | 4.27% | 4.27% | $15.00 |
| 06/29/2020 | 07/15/2020 | $0.160 | 4.25% | 4.28% | $14.94 |
| 03/30/2020 | 04/15/2020 | $0.160 | 4.26% | 3.92% | $16.33 |
| 12/30/2019 | 01/15/2020 | $0.160 | 4.13% | 4.04% | $15.83 |
| 09/27/2019 | 10/15/2019 | $0.155 | 4.21% | 4.11% | $15.08 |
| 06/27/2019 | 07/15/2019 | $0.150 | 4.28% | 4.23% | $14.17 |
| 03/28/2019 | 04/15/2019 | $0.145 | 4.3% | 4.3% | $13.50 |
| 12/28/2018 | 01/15/2019 | $0.140 | 4% | 4% | $14.00 |
| 09/27/2018 | 10/12/2018 | $0.135 | 3.81% | 3.88% | $13.92 |
| 06/28/2018 | 07/13/2018 | $0.130 | 3.64% | 3.67% | $14.17 |
| 03/28/2018 | 04/13/2018 | $0.103 | 3.33% | 3.33% | $12.33 |
| 12/28/2017 | 01/12/2018 | $0.090 | 3.04% | 3% | $12.00 |
| 09/28/2017 | 10/13/2017 | $0.085 | 3.44% | 3.44% | $9.88 |
| 06/28/2017 | 07/14/2017 | $0.085 | 2.91% | 0% | $0.00 |
| 03/29/2017 | 04/14/2017 | $0.083 | 2.75% | 0% | $0.00 |
| 12/28/2016 | 01/13/2017 | $0.083 | 3.05% | 0% | $0.00 |
| 09/28/2016 | 10/14/2016 | $0.080 | 0% | 0% | $0.00 |
| 06/28/2016 | 07/15/2016 | $0.080 | 0% | 0% | $0.00 |
| 03/29/2016 | 04/15/2016 | $0.080 | 0% | 0% | $0.00 |
| 12/28/2015 | 01/15/2016 | $0.075 | 0% | 0% | $0.00 |
| 09/28/2015 | 10/15/2015 | $0.075 | 0% | 0% | $0.00 |
| 06/26/2015 | 07/15/2015 | $0.073 | 0% | 0% | $0.00 |
| 03/27/2015 | 04/15/2015 | $0.073 | 0% | 0% | $0.00 |
| 12/29/2014 | 01/15/2015 | $0.073 | 0% | 0% | $0.00 |
| 09/26/2014 | 10/15/2014 | $0.068 | 0% | 0% | $0.00 |
| 06/26/2014 | 07/15/2014 | $0.065 | 0% | 0% | $0.00 |
| 03/27/2014 | 04/15/2014 | $0.058 | 0% | 0% | $0.00 |
| 12/27/2013 | 01/15/2014 | $0.055 | 0% | 0% | $0.00 |
Projected Future Returns & Dividends for FFMR
Based on past 9.8-year performance, here are FFMR growth metrics:
Share price CAGR of +13.35%
Dividend CAGR of +12.98%
Using FFMR CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| FFMR (DRIP) | FFMR - No DRIP | |
|---|---|---|
| Current Price | $36.99 | $36.99 |
| Start Shares | 270.34 | 270.34 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 360.09 | 270.34 |
| Dividends Payment | $0.92 | $0.92 |
| Annual Dividends | $1,318 | $990 |
| Yield on cost | 13.18% | 9.90% |
| Share Price | $129.55 | $129.55 |
| Total Dividends | $6,381 | $5,373 |
| Final Value | $46,649 | $40,395 |
Estimated Future Value + Dividends - FFMR
NOTE: Above numbers are our estimate based on FFMR's Dividend and Price CAGR over past 9.8 years.
These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.
We cannot guarantee that your actual returns will meet these estimates.
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Company Info
First Farmers Financial Corporation (FFMR) had its IPO on 2018-02-07, and is traded on OTC stock exchange.
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).
FFMR website: https://www.ffbt.com
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DCF Model — FFMR
Value from:
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The full DCF valuation — fair value, implied growth and the price path — is a paid feature.
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Pay up to today
—
vs current price $36.99
—
Cash flow & implied price by year
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
| Year | FCF | Implied price |
|---|
Sensitivity — fair value: growth ↓ × target return →
