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First Farmers FinancialFFMR 73 PEG Ratio is 1.32 as of Jul. 30, 2026, which is 4% above its 10-year median of 1.27. 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 1,232 Banks companies, First Farmers Financial ranks better than 56.01% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for First Farmers Financial's PEG Ratio or its related term are showing as below:
FFMR'
s PEG Ratio Range Over the Past 10 Years
Min: 0.77 Med: 1.27 Max: 2.24
Current: 1.32
During the past 12 years, First Farmers Financial's highest PEG Ratio was 2.24. The lowest was 0.77. And the median was 1.27.
FFMR's PEG Ratio is ranked better than 56.01% of 1232
companies
in the Banks industry
Industry Median: 1.56
vs FFMR: 1.32
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
First Farmers Financial (OTCPK:FFMR) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
* 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, First Farmers Financial's PEG Ratio distribution charts can be found below:
* The bar in red indicates where First Farmers Financial's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
First Farmers Financial (FFMR) has a PEG Ratio of 1.32 as of Jul. 30, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on First Farmers Financial and its competitors. This is near median its historical median of 1.27. Over the past decade, First Farmers Financial's PEG Ratio has ranged from 0.77 to 2.24. According to the industry distribution chart, First Farmers Financial ranks #542 out of 1232 companies in the Banks industry, placing it in the top 44%.
Is First Farmers Financial's PEG Ratio too high?
First Farmers Financial's current PEG Ratio of 1.32 is near median its 10-year median of 1.27. Over the past 10 years, this metric has ranged from a low of 0.77 to a high of 2.24. The Banks industry median PEG Ratio is 1.56. First Farmers Financial's value of 1.32 is 15.4% below this industry median. Based on the distribution chart, First Farmers Financial ranks #542 out of 1232 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 PEG Ratio compare to BSVN and BMRC?
According to the Banks industry distribution chart, First Farmers Financial ranks #542 out of 1232 companies for PEG Ratio. This puts First Farmers Financial in the upper half of its industry. The industry median PEG Ratio is 1.56. First Farmers Financial's value of 1.32 is 15.4% below this benchmark. Historically, First Farmers Financial's own PEG Ratio has ranged from 0.77 to 2.24 over the past decade. While the company's 10-year median is 1.27 vs. the industry median of 1.56, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.56, based on 1,232 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Farmers Financial's current PEG Ratio of 1.32 is 15.4% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on First Farmers Financial and its competitors. For the Banks industry, the median PEG Ratio is 1.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Farmers Financial's current PEG Ratio is 1.32, which is near median its own 10-year median of 1.27. 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 PEG Ratio is 1.32, which is near median its 10-year median of 1.27 and 15.4% below the Banks industry median of 1.56. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For First Farmers Financial (FFMR), the current PEG Ratio is 1.32 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:
PEG Ratio: 1.32 (near median its 10-year median of 1.27)
GF Value™: $39.04 vs. price of $34.30 (12.1% below fair value)
Industry Position: 15.4% below the Banks median (#542 of 1232)
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
Get the complete analysis for FFMR
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