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First Farmers FinancialFFMR 73 Equity-to-Asset is 0.10 as of Jun. 2026, which is 11% above its 10-year median of 0.09. GuruFocus rates FFMR with a GF Score™ of 73/100 and a GF Value™ of $39.59 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,524 Banks companies, First Farmers Financial ranks better than 54.53% on this metric.
First Farmers Financial (OTCPK:FFMR) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
First Farmers Financial Equity-to-Asset Related Terms
First Farmers Financial Equity-to-Asset Historical Data
* 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.
FFMR vs BSVN, BMRC, WTBA: Equity-to-Asset Comparison
For the Banks - Regional subindustry, First Farmers Financial's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, First Farmers Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where First Farmers Financial's Equity-to-Asset falls into.
First Farmers Financial Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
First Farmers Financial's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.10 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on First Farmers Financial and its competitors. This is 11% above median its historical median of 0.09. Over the past decade, First Farmers Financial's Equity-to-Asset has ranged from 0.08 to 0.10. According to the industry distribution chart, First Farmers Financial ranks #693 out of 1524 companies in the Banks industry, placing it in the top 45.5%.
Is First Farmers Financial's Equity-to-Asset too high?
First Farmers Financial's current Equity-to-Asset of 0.10 is 11% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. First Farmers Financial's value of 0.10 is 0% at this industry median. Based on the distribution chart, First Farmers Financial ranks #693 out of 1524 companies in the Banks industry, which is above 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 Equity-to-Asset compare to BSVN and BMRC?
According to the Banks industry distribution chart, First Farmers Financial ranks #693 out of 1524 companies for Equity-to-Asset. This puts First Farmers Financial in the upper half of its industry. The industry median Equity-to-Asset is 0.10. First Farmers Financial's value of 0.10 is 0% at this benchmark. Historically, First Farmers Financial's own Equity-to-Asset has ranged from 0.08 to 0.10 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, First Farmers Financial has consistently been at 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Farmers Financial's current Equity-to-Asset of 0.10 is 0% at 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on First Farmers Financial and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Farmers Financial's current Equity-to-Asset is 0.10, which is 11% above median its own 10-year median of 0.09. 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 $39.59, compared to a current price of $35.75 — trading 9.7% below its estimated fair value. The current Equity-to-Asset is 0.10, which is 11% above median its 10-year median of 0.09 and 0% at the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For First Farmers Financial (FFMR), the current Equity-to-Asset is 0.10 as of Jun. 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 $35.75 is trading 9.7% below its estimated GF Value™ of $39.59.
GuruFocus considers First Farmers Financial to be Modestly Undervalued.
Key valuation signals for FFMR:
Equity-to-Asset: 0.10 (11% above median its 10-year median of 0.09)
GF Value™: $39.59 vs. price of $35.75 (9.7% below fair value)
Industry Position: 0% at the Banks median (#693 of 1524)
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.
73GF Score
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Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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