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First Farmers FinancialFFMR 72 EV-to-OCF is 5.75 as of Aug. 15, 2026, which is 29% below its 10-year median of 8.13. GuruFocus rates FFMR with a GF Score™ of 72/100 and a GF Value™ of $39.18 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,496 Banks companies, First Farmers Financial ranks worse than 56.35% on this metric.
The historical rank and industry rank for First Farmers Financial's EV-to-OCF or its related term are showing as below:
FFMR'
s EV-to-OCF Range Over the Past 10 Years
Min: 3.25 Med: 8.13 Max: 43.18
Current: 5.75
During the past 12 years, the highest EV-to-OCF of First Farmers Financial was 43.18. The lowest was 3.25. And the median was 8.13.
FFMR's EV-to-OCF is ranked worse than 56.35% of 1496
companies
in the Banks industry
Industry Median: 3.88
vs FFMR: 5.75
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Farmers Financial (OTCPK:FFMR) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Farmers Financial's PE Ratio (TTM) for today is calculated as:
First Farmers Financial's share price for today is $35.00.
First Farmers Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.670.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, First Farmers Financial's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Farmers Financial EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, First Farmers Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where First Farmers Financial's EV-to-OCF falls into.
First Farmers Financial's current Enterprise Value is $350.4 Mil.
First Farmers Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $61.0 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Farmers Financial (FFMR) has a EV-to-OCF of 5.75 as of Aug. 15, 2026. This is 29% below median its historical median of 8.13. Over the past decade, First Farmers Financial's EV-to-OCF has ranged from 3.25 to 43.18. According to the industry distribution chart, First Farmers Financial ranks #843 out of 1496 companies in the Banks industry, placing it in the top 56.4%.
Is First Farmers Financial's EV-to-OCF too high?
First Farmers Financial's current EV-to-OCF of 5.75 is 29% below median its 10-year median of 8.13. Over the past 10 years, this metric has ranged from a low of 3.25 to a high of 43.18. The Banks industry median EV-to-OCF is 3.88. First Farmers Financial's value of 5.75 is 48.2% above this industry median. Based on the distribution chart, First Farmers Financial ranks #843 out of 1496 companies in the Banks industry, which is below the industry midpoint. Overall, First Farmers Financial has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does First Farmers Financial's EV-to-OCF compare to BSVN and BMRC?
According to the Banks industry distribution chart, First Farmers Financial ranks #843 out of 1496 companies for EV-to-OCF. This places First Farmers Financial in the lower half of its industry. The industry median EV-to-OCF is 3.88. First Farmers Financial's value of 5.75 is 48.2% above this benchmark. Historically, First Farmers Financial's own EV-to-OCF has ranged from 3.25 to 43.18 over the past decade. While the company's 10-year median is 8.13 vs. the industry median of 3.88, First Farmers Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.88, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Farmers Financial's current EV-to-OCF of 5.75 is 48.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Farmers Financial's current EV-to-OCF is 5.75, which is 29% below median its own 10-year median of 8.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Farmers Financial stock overvalued right now?
Based on GuruFocus' analysis, First Farmers Financial (FFMR) is currently considered Modestly Undervalued. The stock's GF Value™ is $39.18, compared to a current price of $35.00 — trading 10.7% below its estimated fair value. The current EV-to-OCF is 5.75, which is 29% below median its 10-year median of 8.13 and 48.2% above the Banks industry median of 3.88. First Farmers Financial's overall GF Score™ is 72/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For First Farmers Financial (FFMR), the current EV-to-OCF is 5.75 as of Aug. 15, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Farmers Financial (FFMR) Overvalued in 2026?
Based on GuruFocus' analysis, First Farmers Financial stock appears to be undervalued.
The current stock price of $35.00 is trading 10.7% below its estimated GF Value™ of $39.18.
GuruFocus considers First Farmers Financial to be Modestly Undervalued.
Key valuation signals for FFMR:
EV-to-OCF: 5.75 (29% below median its 10-year median of 8.13)
GF Value™: $39.18 vs. price of $35.00 (10.7% below fair value)
Industry Position: 48.2% above the Banks median (#843 of 1496)
No single metric tells the full story. See the FFMR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Farmers Financial Corp is a financial holding company. Along with its subsidiaries, it is mainly engaged in providing a range of banking products and services to individuals, families, and businesses. Its products and services include deposits, retirement and health savings accounts, consumer loans, home equity, and account management and leasing. The group makes commercial, installment and mortgage loans to and receives deposits from customers through its offices located in the Indiana counties of Carroll, Cass, Clay, Grant, Hamilton, Howard, Huntington, Madison, Marshall, Miami, Starke, Sullivan, Tippecanoe, Tipton, Vigo and Wabash; and Illinois counties of Coles, Edgar and Vermilion.
72GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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