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First Farmers Financial Corporation FFMR | OTC

$36.99 $0.00 | 0.00%

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|2026-10-05

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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 - Dividends

FFMR Dividend CAGR:1Y: -46.00%2Y: -25.00%5Y: 8.45%10Y: 12.93%

FFMR - Dividend Payout Ratio

FFMR Dividend Payout Ratio CAGR:1Y: -22.38%2Y: -46.07%5Y: -4.63%10Y: -5.95%

FFMR - Dividend to Free Cash Flow Ratio

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

FFMR Revenue CAGR:1Y: 71.77%2Y: 7.07%5Y: 16.88%10Y: 11.87%

FFMR - Earnings Per Share (EPS)

FFMR EPS CAGR:1Y: 36.71%2Y: 136.35%5Y: 24.34%10Y: 19.40%

FFMR - Net Income

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FFMR Net Income CAGR:1Y: 35.48%2Y: 91.79%5Y: 14.37%10Y: 14.53%

FFMR - EBITDA

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FFMR EBITDA CAGR:1Y: 27.51%2Y: 85.69%5Y: 12.67%10Y: 13.53%

FFMR - Free Cash Flow

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FFMR Free Cash Flow CAGR:1Y: 14.23%2Y: 12.44%5Y: -9.11%10Y: 0.00%

FFMR - Free Cash Flow / Share

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FFMR Free Cash Flow / Share CAGR:1Y: 72.73%2Y: 38.62%5Y: -1.10%10Y: 0.00%

FFMR - Operating Income

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FFMR Operating Income CAGR:1Y: 36.46%2Y: 105.93%5Y: 14.58%10Y: 14.19%

FFMR - Gross Profit

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FFMR Gross Profit CAGR:1Y: 20.84%2Y: 38.44%5Y: 11.50%10Y: 8.49%

FFMR - Shares Outstanding

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FFMR Shares Outstanding CAGR:1Y: -0.80%2Y: -18.89%5Y: -8.10%10Y: -4.26%

FFMR - Share Buybacks

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FFMR Share Buybacks CAGR:1Y: -7.62%2Y: 24.00%5Y: -5.61%10Y: 0.00%

FFMR - Stock-Based Comp

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FFMR Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

FFMR - Expenses

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FFMR Expenses CAGR:1Y: -11.05%2Y: 26.11%5Y: 16.86%10Y: 0.00%

FFMR - Revenue vs Net Income

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FFMR - EPS vs FCF / Share

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FFMR - EPS vs PE Ratio

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FFMR - FCF vs FCF / Share

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FFMR - FCF vs Stock Based Comp

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FFMR - Cash & Debt

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Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

FFMR - REVENUE: Actual + Estimates

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FFMR Actual Revenue CAGR:1Y: 71.77%2Y: 7.07%5Y: 16.88%10Y: 11.87%

FFMR - EPS: Actual + Estimates

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FFMR Actual EPS CAGR:1Y: 36.71%2Y: 136.35%5Y: 24.34%10Y: 19.40%

FFMR - NET INCOME: Actual + Estimates

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FFMR Actual Net Income CAGR:1Y: 35.48%2Y: 91.79%5Y: 14.37%10Y: 14.53%

FFMR - EBITDA: Actual + Estimates

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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

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FFMR Net Profit Margin CAGR:1Y: 22.92%2Y: 79.09%5Y: -2.16%10Y: 2.37%

FFMR - Gross Profit Margin

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FFMR Gross Profit Margin CAGR:1Y: 9.67%2Y: 29.30%5Y: -4.61%10Y: -3.03%

FFMR - Price to Earnings

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FFMR Price to Earnings CAGR:1Y: -24.52%2Y: -48.53%5Y: -4.34%10Y: -6.09%

FFMR - Price To Sales Ratio

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FFMR Price To Sales Ratio CAGR:1Y: -7.11%2Y: -7.85%5Y: -6.48%10Y: -4.03%

FFMR - Return on Capital Employed

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FFMR Return on Capital Employed CAGR:1Y: -81.60%2Y: -16.26%5Y: 5.16%10Y: 0.00%

FFMR - Return on Invested Capital

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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:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

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 →

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