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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
First Farmers Financial's 5-Year RORE % for the quarter that ended in Mar. 2026 was 9.13%.
The industry rank for First Farmers Financial's 5-Year RORE % or its related term are showing as below:
FFMR's 5-Year RORE % is ranked worse than 52.16% of 1409
companies
in the Banks industry
Industry Median: 10.01
vs FFMR: 9.13
First Farmers Financial (OTCPK:FFMR) 5-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 5-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
First Farmers Financial 5-Year RORE % Related Terms
First Farmers Financial 5-Year RORE % 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.
FFMR vs BSVN, BMRC, WTBA: 5-Year RORE % Comparison
For the Banks - Regional subindustry, First Farmers Financial's 5-Year RORE %, along with its competitors' market caps and 5-Year RORE % 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 5-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, First Farmers Financial's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where First Farmers Financial's 5-Year RORE % 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 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 5-year before.
First Farmers Financial (FFMR) has a 5-Year RORE % of 9.13 as of Mar. 2026. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on First Farmers Financial and its competitors. According to the industry distribution chart, First Farmers Financial ranks #735 out of 1409 companies in the Banks industry, placing it in the top 52.2%.
Is First Farmers Financial's 5-Year RORE % too high?
First Farmers Financial's current 5-Year RORE % is 9.13. The Banks industry median 5-Year RORE % is 10.01. First Farmers Financial's value of 9.13 is 8.8% below this industry median. Based on the distribution chart, First Farmers Financial ranks #735 out of 1409 companies in the Banks industry, which is below 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 5-Year RORE % compare to BSVN and BMRC?
According to the Banks industry distribution chart, First Farmers Financial ranks #735 out of 1409 companies for 5-Year RORE %. This places First Farmers Financial in the lower half of its industry. The industry median 5-Year RORE % is 10.01. First Farmers Financial's value of 9.13 is 8.8% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year RORE % for a Banks company?
The median 5-Year RORE % among Banks companies is 10.01, based on 1,409 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Farmers Financial's current 5-Year RORE % of 9.13 is 8.8% 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 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on First Farmers Financial and its competitors. For the Banks industry, the median 5-Year RORE % is 10.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Farmers Financial's current 5-Year RORE % is 9.13. 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 5-Year RORE % is 9.13 and 8.8% below the Banks industry median of 10.01. 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 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For First Farmers Financial (FFMR), the current 5-Year RORE % is 9.13 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:
5-Year RORE %: 9.13
GF Value™: $39.04 vs. price of $34.30 (12.1% below fair value)
Industry Position: 8.8% below the Banks median (#735 of 1409)
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
5-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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