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First Farmers FinancialFFMR 73 FCF Margin % is 49.55% as of Mar. 2026, which is 32% above its 10-year median of 37.65. 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 1,502 Banks companies, First Farmers Financial ranks better than 69.64% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Farmers Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where First Farmers Financial's FCF Margin % falls into.
* 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 FCF Margin % of 49.55% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Farmers Financial and its competitors. This is 32% above median its historical median of 37.65. Over the past decade, First Farmers Financial's FCF Margin % has ranged from 26.30 to 63.36. According to the industry distribution chart, First Farmers Financial ranks #456 out of 1502 companies in the Banks industry, placing it in the top 30.4%.
Is First Farmers Financial's FCF Margin % too high?
First Farmers Financial's current FCF Margin % of 49.55% is 32% above median its 10-year median of 37.65. Over the past 10 years, this metric has ranged from a low of 26.30 to a high of 63.36. The Banks industry median FCF Margin % is 25.74. First Farmers Financial's value of 49.55% is 92.5% above this industry median. Based on the distribution chart, First Farmers Financial ranks #456 out of 1502 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 FCF Margin % compare to BSVN and BMRC?
According to the Banks industry distribution chart, First Farmers Financial ranks #456 out of 1502 companies for FCF Margin %. This puts First Farmers Financial in the upper half of its industry. The industry median FCF Margin % is 25.74. First Farmers Financial's value of 49.55% is 92.5% above this benchmark. Historically, First Farmers Financial's own FCF Margin % has ranged from 26.30 to 63.36 over the past decade. While the company's 10-year median is 37.65 vs. the industry median of 25.74, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 25.74, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Farmers Financial's current FCF Margin % of 49.55% is 92.5% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Farmers Financial and its competitors. For the Banks industry, the median FCF Margin % is 25.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Farmers Financial's current FCF Margin % is 49.55%, which is 32% above median its own 10-year median of 37.65. 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 FCF Margin % is 49.55%, which is 32% above median its 10-year median of 37.65 and 92.5% above the Banks industry median of 25.74. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For First Farmers Financial (FFMR), the current FCF Margin % is 49.55% 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:
FCF Margin %: 49.55% (32% above median its 10-year median of 37.65)
GF Value™: $39.04 vs. price of $34.30 (12.1% below fair value)
Industry Position: 92.5% above the Banks median (#456 of 1502)
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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