FFMR (First Farmers Financial) Moat Score: 2/10 (As of Jul. 30, 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
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What is First Farmers Financial Moat Score?

First Farmers Financial FFMR 73 Moat Score is 2 as of Jul. 30, 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 1,609 Banks companies, First Farmers Financial ranks better than 60.04% on this metric.

First Farmers Financial has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

First Farmers Financial has No Moat: First Farmers Financial Corp has no discernible competitive advantages in the financial sector. It lacks market leadership, strong brand strength, and significant cost advantages. The company faces intense competition and has no unique regulatory barriers or proprietary technology.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes First Farmers Financial might have No Moat - Very weak/transient advantages.

First Farmers Financial  (OTCPK:FFMR) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

First Farmers Financial Moat Score Related Terms

FFMR vs BSVN, BMRC, WTBA: Moat Score Comparison

For the Banks - Regional subindustry, First Farmers Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, First Farmers Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where First Farmers Financial's Moat Score falls into.


FFMR
73GF Score
First Farmers Financial Corp FFMR
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
First Farmers Financial (FFMR) has a Moat Score of 2 as of Jul. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, First Farmers Financial ranks #643 out of 1609 companies in the Banks industry, placing it in the top 40%.
Is First Farmers Financial's Moat Score too high?
First Farmers Financial's current Moat Score is 2. Based on the distribution chart, First Farmers Financial ranks #643 out of 1609 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 Moat Score compare to BSVN and BMRC?
According to the Banks industry distribution chart, First Farmers Financial ranks #643 out of 1609 companies for Moat Score. This puts First Farmers Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. First Farmers Financial's current Moat Score is 2. 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 Moat Score is 2. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For First Farmers Financial (FFMR), the current Moat Score is 2 as of Jul. 30, 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:

  • Moat Score: 2
  • GF Value™: $39.04 vs. price of $34.30 (12.1% below fair value)
  • GF Score™: 73/100 with 2 warning signs

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

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$34.30
Price
$39.04
GF Value