FFMR (First Farmers Financial) Dividend Payout Ratio: 0.27 (As of Mar. 2026) — Near Median

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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 Dividend Payout Ratio?

First Farmers Financial FFMR 73 Dividend Payout Ratio is 0.27 as of Mar. 2026, which is 4% below its 10-year median of 0.28. 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 1,175 Banks companies, First Farmers Financial ranks better than 60.6% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. First Farmers Financial's Dividend Payout Ratio for the months ended in Mar. 2026 was 0.27.

The historical rank and industry rank for First Farmers Financial's Dividend Payout Ratio or its related term are showing as below:

FFMR' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.21 Med: 0.28 Max: 0.38
Current: 0.28

During the past 12 years, the highest Dividend Payout Ratio of First Farmers Financial was 0.38. The lowest was 0.21. And the median was 0.28.

FFMR's Dividend Payout Ratio is ranked better than
60.6% of 1175 companies
in the Banks industry
Industry Median: 0.32 vs FFMR: 0.28

As of today (2026-07-30), the Dividend Yield % of First Farmers Financial is 2.99%.

During the past 12 years, the highest Trailing Annual Dividend Yield of First Farmers Financial was 3.21%. The lowest was 1.48%. And the median was 2.75%.

First Farmers Financial's Dividends per Share for the months ended in Mar. 2026 was $0.26.

During the past 12 months, First Farmers Financial's average Dividends Per Share Growth Rate was 4.60% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 5.00% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 9.80% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 14.30% per year.

During the past 12 years, the highest 3-Year average Dividends Per Share Growth Rate of First Farmers Financial was 23.60% per year. The lowest was 5.00% per year. And the median was 12.30% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

First Farmers Financial (OTCPK:FFMR) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

First Farmers Financial Dividend Payout Ratio Related Terms

First Farmers Financial Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for First Farmers Financial's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

First Farmers Financial Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Dividend Payout Ratio

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0.27

0.29

0.38

0.28

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
Dividend Payout Ratio	Get a 7-Day Free Trial															0.28	0.32	0.28	0.25	0.27

FFMR vs BSVN, BMRC, WTBA: Dividend Payout Ratio Comparison

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

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

* The bar in red indicates where First Farmers Financial's Dividend Payout Ratio falls into.

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73GF Score

First Farmers Financial Corp FFMR

Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

First Farmers Financial Dividend Payout Ratio Calculation

First Farmers Financial's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio	=	Dividends per Share (A: Dec. 2025 )	/	EPS without NRI (A: Dec. 2025 )
	=	1	/	3.585
	=	0.28

First Farmers Financial's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio	=	Dividends per Share (Q: Mar. 2026 )	/	EPS without NRI (Q: Mar. 2026 )
	=	0.26	/	0.975
	=	0.27

Frequently Asked Questions Learn more about Dividend Payout Ratio →

What does a Dividend Payout Ratio of 0.27 mean?

First Farmers Financial (FFMR) has a Dividend Payout Ratio of 0.27 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on First Farmers Financial and its competitors. This is near median its historical median of 0.28. Over the past decade, First Farmers Financial's Dividend Payout Ratio has ranged from 0.21 to 0.38. According to the industry distribution chart, First Farmers Financial ranks #463 out of 1175 companies in the Banks industry, placing it in the top 39.4%.

Is First Farmers Financial's Dividend Payout Ratio too high?

First Farmers Financial's current Dividend Payout Ratio of 0.27 is near median its 10-year median of 0.28. Over the past 10 years, this metric has ranged from a low of 0.21 to a high of 0.38. The Banks industry median Dividend Payout Ratio is 0.32. First Farmers Financial's value of 0.27 is 15.6% below this industry median. Based on the distribution chart, First Farmers Financial ranks #463 out of 1175 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 Dividend Payout Ratio compare to BSVN and BMRC?

According to the Banks industry distribution chart, First Farmers Financial ranks #463 out of 1175 companies for Dividend Payout Ratio. This puts First Farmers Financial in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. First Farmers Financial's value of 0.27 is 15.6% below this benchmark. Historically, First Farmers Financial's own Dividend Payout Ratio has ranged from 0.21 to 0.38 over the past decade. While the company's 10-year median is 0.28 vs. the industry median of 0.32, First Farmers Financial has consistently been below 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 Dividend Payout Ratio for a Banks company?

The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,175 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Farmers Financial's current Dividend Payout Ratio of 0.27 is 15.6% 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 Dividend Payout Ratio mean?

A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on First Farmers Financial and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Farmers Financial's current Dividend Payout Ratio is 0.27, which is near median its own 10-year median of 0.28. 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 Dividend Payout Ratio is 0.27, which is near median its 10-year median of 0.28 and 15.6% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?

Dividend Payout Ratio is calculated from a company's financial statements. For First Farmers Financial (FFMR), the current Dividend Payout Ratio is 0.27 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:

Dividend Payout Ratio: 0.27 (near median its 10-year median of 0.28)
GF Value™: $39.04 vs. price of $34.30 (12.1% below fair value)
GF Score™: 73/100 with 2 warning signs
Industry Position: 15.6% below the Banks median (#463 of 1175)

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

Industry Financial Services Banks

Comparable Companies BSVN BMRC WTBA PBAM CBAN COFS PDLB CBK BWFG FRBA SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP TSE:8411 MIL:ISP NSE:HDFCBANK NSE:ICICIBANK XMAD:CABK SAU:1120

Address 123 North Jefferson Street, Converse, IN, USA, 46919

Website https://www.ffbt.com

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

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

$34.30

Price

$39.04

GF Value

View FFMR Analysis

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