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First Farmers FinancialFFMR 73 ROA % is 1.55% as of Mar. 2026, which is 1% above its 10-year median of 1.53. 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 1,528 Banks companies, First Farmers Financial ranks better than 77.29% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. First Farmers Financial's annualizedNet Income for the quarter that ended in Mar. 2026 was $54.3 Mil.
First Farmers Financial's average Total Assets over the quarter that ended in Mar. 2026 was $3,498.1 Mil. Therefore, First Farmers Financial's annualized ROA % for the quarter that ended in Mar. 2026 was 1.55%.
The historical rank and industry rank for First Farmers Financial's ROA % or its related term are showing as below:
FFMR'
s ROA % Range Over the Past 10 Years
Min: 1.1 Med: 1.53 Max: 1.62
Current: 1.51
During the past 12 years, First Farmers Financial's highest ROA % was 1.62%. The lowest was 1.10%. And the median was 1.53%.
FFMR's ROA % is ranked better than 77.29% of 1528
companies
in the Banks industry
Industry Median: 1
vs FFMR: 1.51
First Farmers Financial (OTCPK:FFMR) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, First Farmers Financial's ROA % distribution charts can be found below:
* The bar in red indicates where First Farmers Financial's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
First Farmers Financial (FFMR) has a ROA % of 1.55% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on First Farmers Financial and its competitors. This is near median its historical median of 1.53. Over the past decade, First Farmers Financial's ROA % has ranged from 1.10 to 1.62. According to the industry distribution chart, First Farmers Financial ranks #347 out of 1528 companies in the Banks industry, placing it in the top 22.7%.
Is First Farmers Financial's ROA % too high?
First Farmers Financial's current ROA % of 1.55% is near median its 10-year median of 1.53. Over the past 10 years, this metric has ranged from a low of 1.10 to a high of 1.62. The Banks industry median ROA % is 1.00. First Farmers Financial's value of 1.55% is 55% above this industry median. Based on the distribution chart, First Farmers Financial ranks #347 out of 1528 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 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does First Farmers Financial's ROA % compare to BSVN and BMRC?
According to the Banks industry distribution chart, First Farmers Financial ranks #347 out of 1528 companies for ROA %. This places First Farmers Financial in the top 23% of its industry — outperforming the majority of peers. The industry median ROA % is 1.00. First Farmers Financial's value of 1.55% is 55% above this benchmark. Historically, First Farmers Financial's own ROA % has ranged from 1.10 to 1.62 over the past decade. While the company's 10-year median is 1.53 vs. the industry median of 1.00, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 1.00, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Farmers Financial's current ROA % of 1.55% is 55% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on First Farmers Financial and its competitors. For the Banks industry, the median ROA % is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Farmers Financial's current ROA % is 1.55%, which is near median its own 10-year median of 1.53. 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 ROA % is 1.55%, which is near median its 10-year median of 1.53 and 55% above the Banks industry median of 1.00. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For First Farmers Financial (FFMR), the current ROA % is 1.55% 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:
ROA %: 1.55% (near median its 10-year median of 1.53)
GF Value™: $39.04 vs. price of $34.30 (12.1% below fair value)
Industry Position: 55% above the Banks median (#347 of 1528)
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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