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First Farmers FinancialFFMR 73 ROE % is 16.90% as of Mar. 2026, which is 7% above its 10-year median of 15.81. 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 1,524 Banks companies, First Farmers Financial ranks better than 86.35% on this metric.
The historical rank and industry rank for First Farmers Financial's ROE % or its related term are showing as below:
FFMR'
s ROE % Range Over the Past 10 Years
Min: 13.1 Med: 15.81 Max: 18.75
Current: 16.84
During the past 12 years, First Farmers Financial's highest ROE % was 18.75%. The lowest was 13.10%. And the median was 15.81%.
FFMR's ROE % is ranked better than 86.35% of 1524
companies
in the Banks industry
Industry Median: 10.32
vs FFMR: 16.84
First Farmers Financial (OTCPK:FFMR) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, First Farmers Financial's ROE % distribution charts can be found below:
* The bar in red indicates where First Farmers Financial's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
First Farmers Financial (FFMR) has a ROE % of 16.90% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on First Farmers Financial and its competitors. This is near median its historical median of 15.81. Over the past decade, First Farmers Financial's ROE % has ranged from 13.10 to 18.75. According to the industry distribution chart, First Farmers Financial ranks #208 out of 1524 companies in the Banks industry, placing it in the top 13.6%.
Is First Farmers Financial's ROE % too high?
First Farmers Financial's current ROE % of 16.90% is near median its 10-year median of 15.81. Over the past 10 years, this metric has ranged from a low of 13.10 to a high of 18.75. The Banks industry median ROE % is 10.32. First Farmers Financial's value of 16.90% is 63.8% above this industry median. Based on the distribution chart, First Farmers Financial ranks #208 out of 1524 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 ROE % compare to BSVN and BMRC?
According to the Banks industry distribution chart, First Farmers Financial ranks #208 out of 1524 companies for ROE %. This places First Farmers Financial in the top 14% of its industry — outperforming the majority of peers. The industry median ROE % is 10.32. First Farmers Financial's value of 16.90% is 63.8% above this benchmark. Historically, First Farmers Financial's own ROE % has ranged from 13.10 to 18.75 over the past decade. While the company's 10-year median is 15.81 vs. the industry median of 10.32, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.32, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Farmers Financial's current ROE % of 16.90% is 63.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on First Farmers Financial and its competitors. For the Banks industry, the median ROE % is 10.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Farmers Financial's current ROE % is 16.90%, which is near median its own 10-year median of 15.81. 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 ROE % is 16.90%, which is near median its 10-year median of 15.81 and 63.8% above the Banks industry median of 10.32. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For First Farmers Financial (FFMR), the current ROE % is 16.90% 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:
ROE %: 16.90% (near median its 10-year median of 15.81)
GF Value™: $39.04 vs. price of $34.30 (12.1% below fair value)
Industry Position: 63.8% above the Banks median (#208 of 1524)
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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