FFMR (First Farmers Financial) Tariff Resilience Score: 8/10 (As of Jul. 31, 2026)

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FFMR First Farmers Financial Corp FFMR
73 GF Score
Price $34.30
GF Value $39.05
Valuation Modestly Undervalued
! 2 Warning Signs
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What is First Farmers Financial Tariff Resilience Score?

First Farmers Financial FFMR 73 Tariff Resilience Score is 8 as of Jul. 31, 2026. GuruFocus rates FFMR with a GF Score™ of 73/100 and a GF Value™ of $39.05 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,606 Banks companies, First Farmers Financial ranks better than 78.77% on this metric.

First Farmers Financial has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

First Farmers Financial has Primarily a domestic financial institution with minimal direct exposure to international trade. Indirect exposure through clients in agriculture and manufacturing is possible but limited.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes First Farmers Financial might have Highly Resilient.

First Farmers Financial  (OTCPK:FFMR) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

First Farmers Financial Tariff Resilience Score Related Terms

FFMR vs BSVN, BMRC, WTBA: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, First Farmers Financial's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, First Farmers Financial's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where First Farmers Financial's Tariff Resilience Score falls into.


FFMR
73GF Score
First Farmers Financial Corp FFMR
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
First Farmers Financial (FFMR) has a Tariff Resilience Score of 8 as of Jul. 31, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, First Farmers Financial ranks #341 out of 1606 companies in the Banks industry, placing it in the top 21.2%.
Is First Farmers Financial's Tariff Resilience Score too high?
First Farmers Financial's current Tariff Resilience Score is 8. Based on the distribution chart, First Farmers Financial ranks #341 out of 1606 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 Tariff Resilience Score compare to BSVN and BMRC?
According to the Banks industry distribution chart, First Farmers Financial ranks #341 out of 1606 companies for Tariff Resilience Score. This places First Farmers Financial in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. First Farmers Financial's current Tariff Resilience Score is 8. 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 $39.05, compared to a current price of $34.30 — trading 12.2% below its estimated fair value. The current Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For First Farmers Financial (FFMR), the current Tariff Resilience Score is 8 as of Jul. 31, 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 12.2% below its estimated GF Value™ of $39.05. GuruFocus considers First Farmers Financial to be Modestly Undervalued.

Key valuation signals for FFMR:

  • Tariff Resilience Score: 8
  • GF Value™: $39.05 vs. price of $34.30 (12.2% below fair value)
  • GF Score™: 73/100 with 2 warning signs

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

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

Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$34.30
Price
$39.05
GF Value