FFMR (First Farmers Financial) EPS without NRI: $3.67 (TTM As of Mar. 2026)

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FFMR First Farmers Financial Corp FFMR
73 GF Score
Price $34.30
GF Value $39.04
Valuation Modestly Undervalued
! 2 Warning Signs
View Full Analysis

What is First Farmers Financial EPS without NRI?

First Farmers Financial FFMR 73 EPS without NRI is $3.67 as of Mar. 2026. GuruFocus rates FFMR with a GF Score™ of 73/100 and a GF Value™ of $39.04 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,413 Banks companies, First Farmers Financial ranks worse than 51.17% on this metric.

First Farmers Financial's earnings per share without non-recurring items for the three months ended in Mar. 2026 was $0.98. Its earnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was $3.67.

During the past 12 months, First Farmers Financial's average earnings per share (NRI) Growth Rate was 37.70% per year. During the past 3 years, the average earnings per share (NRI) Growth Rate was 6.80% per year. During the past 5 years, the average earnings per share (NRI) Growth Rate was 7.00% per year. During the past 10 years, the average earnings per share (NRI) Growth Rate was 10.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using Earnings per share without Non-Recurring Items (NRI) data.

The historical rank and industry rank for First Farmers Financial's EPS without NRI or its related term are showing as below:

FFMR' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -0.7   Med: 10.9   Max: 20.4
Current: 6.8

During the past 12 years, First Farmers Financial's highest 3-Year average Earnings Per Share (NRI) Growth Rate was 20.40% per year. The lowest was -0.70% per year. And the median was 10.90% per year.

FFMR's 3-Year EPS without NRI Growth Rate is ranked worse than
51.17% of 1413 companies
in the Banks industry
Industry Median: 7.3 vs FFMR: 6.80

First Farmers Financial's EPS (Diluted) for the three months ended in Mar. 2026 was $0.98. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $3.67.

First Farmers Financial's EPS (Basic) for the three months ended in Mar. 2026 was $0.98. Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was $3.67.


First Farmers Financial  (OTCPK:FFMR) EPS without NRI Explanation

EPS without NRI removes onetime and unusual items from EPS, to provide investors with a more accurate measure of the company’s true earnings. The earnings are adjusted for items that are irregular or unusual in nature, and/or are non-recurring. This is calculated using Net Income (Continuing Operations) plus/minus any tax affected unusual Items and Goodwill Impairments/Write Offs. This can be used to fairly measure a company's profitability.


Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.


First Farmers Financial EPS without NRI Related Terms


First Farmers Financial EPS without NRI Historical Data

* Premium members only.

The historical data trend for First Farmers Financial's EPS without NRI can be seen below:

* 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 EPS without NRI Chart

First Farmers Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS without NRI
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.58 2.94 3.29 2.52 3.59

First Farmers Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EPS without NRI Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.89 0.79 0.89 1.02 0.98

FFMR vs BSVN, BMRC, WTBA: EPS without NRI Comparison

For the Banks - Regional subindustry, First Farmers Financial's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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 PE Ratio without NRI vs Banks Industry

For the Banks industry and Financial Services sector, First Farmers Financial's PE Ratio without NRI distribution charts can be found below:

* The bar in red indicates where First Farmers Financial's PE Ratio without NRI falls into.


FFMR
73GF Score
First Farmers Financial Corp FFMR
EPS without NRI is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Farmers Financial EPS without NRI Calculation

Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock.

EPS without NRI 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 $3.67

* 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.

Frequently Asked Questions Learn more about EPS without NRI →
What does a EPS without NRI of $3.67 mean?
First Farmers Financial (FFMR) has a EPS without NRI of $3.67 as of Mar. 2026. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on First Farmers Financial and its competitors. According to the industry distribution chart, First Farmers Financial ranks #723 out of 1413 companies in the Banks industry, placing it in the top 51.2%.
Is First Farmers Financial's EPS without NRI too high?
First Farmers Financial's current EPS without NRI is $3.67. The Banks industry median EPS without NRI is 7.30. First Farmers Financial's value of $3.67 is 49.7% below this industry median. Based on the distribution chart, First Farmers Financial ranks #723 out of 1413 companies in the Banks industry, which is below the industry midpoint. Overall, First Farmers Financial has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does First Farmers Financial's EPS without NRI compare to BSVN and BMRC?
According to the Banks industry distribution chart, First Farmers Financial ranks #723 out of 1413 companies for EPS without NRI. This places First Farmers Financial in the lower half of its industry. The industry median EPS without NRI is 7.30. First Farmers Financial's value of $3.67 is 49.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS without NRI for a Banks company?
The median EPS without NRI among Banks companies is 7.30, based on 1,413 companies in the industry. Companies in the top quartile (top 25%) have a EPS without NRI significantly above this median, while those in the bottom quartile fall well below. However, EPS without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Farmers Financial's current EPS without NRI of $3.67 is 49.7% below 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 EPS without NRI mean?
A high EPS without NRI can signal that a stock is expensive relative to its fundamentals. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on First Farmers Financial and its competitors. For the Banks industry, the median EPS without NRI is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Farmers Financial's current EPS without NRI is $3.67. 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 $39.04, compared to a current price of $34.30 — trading 12.1% below its estimated fair value. The current EPS without NRI is $3.67 and 49.7% below the Banks industry median of 7.30. First Farmers Financial's overall GF Score™ is 73/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For First Farmers Financial (FFMR), the current EPS without NRI is $3.67 as of Mar. 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 $34.30 is trading 12.1% below its estimated GF Value™ of $39.04. GuruFocus considers First Farmers Financial to be Modestly Undervalued.

Key valuation signals for FFMR:

  • EPS without NRI: $3.67
  • GF Value™: $39.04 vs. price of $34.30 (12.1% below fair value)
  • GF Score™: 73/100 with 2 warning signs
  • Industry Position: 49.7% below the Banks median (#723 of 1413)

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 Business Description

Address 123 North Jefferson Street, Converse, IN, USA, 46919
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.
73GF Score

Get the complete analysis for FFMR

EPS without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$34.30
Price
$39.04
GF Value