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First Farmers FinancialFFMR 72 Net Margin % is 37.56% as of Mar. 2026, which is 9% above its 10-year median of 34.49. 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 1,525 Banks companies, First Farmers Financial ranks better than 77.11% on this metric.
First Farmers Financial (OTCPK:FFMR) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
First Farmers Financial Net Margin % Related Terms
First Farmers Financial Net Margin % 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.
For the Banks - Regional subindustry, First Farmers Financial's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Farmers Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where First Farmers Financial's Net 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 Net Margin % of 37.56% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on First Farmers Financial and its competitors. This is near median its historical median of 34.49. Over the past decade, First Farmers Financial's Net Margin % has ranged from 25.12 to 38.84. According to the industry distribution chart, First Farmers Financial ranks #349 out of 1525 companies in the Banks industry, placing it in the top 22.9%.
Is First Farmers Financial's Net Margin % too high?
First Farmers Financial's current Net Margin % of 37.56% is near median its 10-year median of 34.49. Over the past 10 years, this metric has ranged from a low of 25.12 to a high of 38.84. The Banks industry median Net Margin % is 27.19. First Farmers Financial's value of 37.56% is 38.1% above this industry median. Based on the distribution chart, First Farmers Financial ranks #349 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Net Margin % compare to BSVN and BMRC?
According to the Banks industry distribution chart, First Farmers Financial ranks #349 out of 1525 companies for Net Margin %. This places First Farmers Financial in the top 23% of its industry — outperforming the majority of peers. The industry median Net Margin % is 27.19. First Farmers Financial's value of 37.56% is 38.1% above this benchmark. Historically, First Farmers Financial's own Net Margin % has ranged from 25.12 to 38.84 over the past decade. While the company's 10-year median is 34.49 vs. the industry median of 27.19, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.19, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Farmers Financial's current Net Margin % of 37.56% is 38.1% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on First Farmers Financial and its competitors. For the Banks industry, the median Net Margin % is 27.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Farmers Financial's current Net Margin % is 37.56%, which is near median its own 10-year median of 34.49. 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 Net Margin % is 37.56%, which is near median its 10-year median of 34.49 and 38.1% above the Banks industry median of 27.19. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For First Farmers Financial (FFMR), the current Net Margin % is 37.56% 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 $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:
Net Margin %: 37.56% (near median its 10-year median of 34.49)
GF Value™: $39.18 vs. price of $35.00 (10.7% below fair value)
Industry Position: 38.1% above the Banks median (#349 of 1525)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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