First Farmers Financial Corporation Logo

First Farmers Financial Corporation

FFMR

(3.5)
Stock Price

67,25 USD

1.17% ROA

13.12% ROE

12.3x PER

Market Cap.

463.697.425,00 USD

108.7% DER

2.93% Yield

19.34% NPM

First Farmers Financial Corporation Stock Analysis

First Farmers Financial Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

First Farmers Financial Corporation Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (18.89%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 Net Profit Growth

The net profit of this company has steadily increased over the last five years, showcasing a favorable financial performance and making it an enticing option for investors seeking growth potential.

4 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

5 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

6 ROA

The stock's ROA (1.54%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 PBV

The stock's PBV ratio (1.77x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

8 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

9 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (179), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

10 DER

The stock is burdened with a heavy load of debt (106%), making it financially unstable and potentially risky for investors.

11 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

First Farmers Financial Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

First Farmers Financial Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Sell
4 Stoch RSI Sell

First Farmers Financial Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

First Farmers Financial Corporation Revenue
Year Revenue Growth
2013 50.979.000
2014 56.296.000 9.44%
2015 63.328.000 11.1%
2016 66.999.000 5.48%
2017 73.093.000 8.34%
2018 80.865.000 9.61%
2019 85.047.000 4.92%
2020 95.567.000 11.01%
2021 103.260.000 7.45%
2022 107.846.000 4.25%
2023 117.428.000 8.16%
2023 177.441.000 33.82%
2024 204.256.000 13.13%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

First Farmers Financial Corporation Research and Development Expenses
Year Research and Development Expenses Growth
2013 0
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

First Farmers Financial Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
2013 0
2014 19.920.000 100%
2015 23.826.000 16.39%
2016 23.667.000 -0.67%
2017 24.572.000 3.68%
2018 25.812.000 4.8%
2019 27.631.000 6.58%
2020 30.361.000 8.99%
2021 31.332.000 3.1%
2022 31.200.000 -0.42%
2023 33.576.000 7.08%
2023 33.251.000 -0.98%
2024 34.292.000 3.04%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

First Farmers Financial Corporation EBITDA
Year EBITDA Growth
2013 -1.380.000
2014 25.332.000 105.45%
2015 26.683.000 5.06%
2016 26.333.000 -1.33%
2017 29.667.000 11.24%
2018 35.307.000 15.97%
2019 38.499.000 8.29%
2020 41.013.000 6.13%
2021 47.053.000 12.84%
2022 54.622.000 13.86%
2023 59.704.000 8.51%
2023 2.581.000 -2213.21%
2024 2.812.000 8.21%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

First Farmers Financial Corporation Gross Profit
Year Gross Profit Growth
2013 50.979.000
2014 56.296.000 9.44%
2015 63.328.000 11.1%
2016 66.999.000 5.48%
2017 73.093.000 8.34%
2018 80.865.000 9.61%
2019 85.047.000 4.92%
2020 95.567.000 11.01%
2021 103.260.000 7.45%
2022 107.846.000 4.25%
2023 117.428.000 8.16%
2023 177.441.000 33.82%
2024 204.256.000 13.13%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

First Farmers Financial Corporation Net Profit
Year Net Profit Growth
2013 15.817.000
2014 16.226.000 2.52%
2015 16.807.000 3.46%
2016 17.033.000 1.33%
2017 21.749.000 21.68%
2018 27.707.000 21.5%
2019 29.520.000 6.14%
2020 30.443.000 3.03%
2021 36.345.000 16.24%
2022 41.277.000 11.95%
2023 45.416.000 9.11%
2023 46.183.000 1.66%
2024 16.320.000 -182.98%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

First Farmers Financial Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2013 2
2014 2 0%
2015 2 0%
2016 2 0%
2017 3 33.33%
2018 4 0%
2019 4 25%
2020 4 0%
2021 5 20%
2022 6 0%
2023 6 16.67%
2023 7 0%
2024 2 -200%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

First Farmers Financial Corporation Free Cashflow
Year Free Cashflow Growth
2013 42.395.000
2014 17.659.000 -140.08%
2015 16.270.000 -8.54%
2016 22.161.000 26.58%
2017 26.908.000 17.64%
2018 35.962.000 25.18%
2019 30.148.000 -19.28%
2020 25.131.000 -19.96%
2021 65.422.000 61.59%
2022 50.604.000 -29.28%
2023 38.294.000 -32.15%
2023 13.127.000 -191.72%
2024 20.977.000 37.42%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

First Farmers Financial Corporation Operating Cashflow
Year Operating Cashflow Growth
2013 43.596.000
2014 19.484.000 -123.75%
2015 18.454.000 -5.58%
2016 23.434.000 21.25%
2017 28.846.000 18.76%
2018 40.632.000 29.01%
2019 32.981.000 -23.2%
2020 27.609.000 -19.46%
2021 66.954.000 58.76%
2022 54.063.000 -23.84%
2023 47.367.000 -14.14%
2023 14.179.000 -234.06%
2024 21.458.000 33.92%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

First Farmers Financial Corporation Capital Expenditure
Year Capital Expenditure Growth
2013 1.201.000
2014 1.825.000 34.19%
2015 2.184.000 16.44%
2016 1.273.000 -71.56%
2017 1.938.000 34.31%
2018 4.670.000 58.5%
2019 2.833.000 -64.84%
2020 2.478.000 -14.33%
2021 1.532.000 -61.75%
2022 3.459.000 55.71%
2023 9.073.000 61.88%
2023 1.052.000 -762.45%
2024 481.000 -118.71%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

First Farmers Financial Corporation Equity
Year Equity Growth
2013 98.244.000
2014 112.144.000 12.39%
2015 124.511.000 9.93%
2016 135.634.000 8.2%
2017 153.729.000 11.77%
2018 172.129.000 10.69%
2019 197.900.000 13.02%
2020 221.500.000 10.65%
2021 243.137.000 8.9%
2022 233.085.000 -4.31%
2023 233.875.000 0.34%
2023 259.603.000 9.91%
2024 263.139.000 1.34%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

First Farmers Financial Corporation Assets
Year Assets Growth
2013 1.228.587.000
2014 1.339.670.000 8.29%
2015 1.479.643.000 9.46%
2016 1.614.444.000 8.35%
2017 1.676.654.000 3.71%
2018 1.749.097.000 4.14%
2019 1.915.763.000 8.7%
2020 2.213.761.000 13.46%
2021 2.439.060.000 9.24%
2022 2.748.529.000 11.26%
2023 2.967.468.000 7.38%
2023 3.006.142.000 1.29%
2024 3.206.813.000 6.26%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

First Farmers Financial Corporation Liabilities
Year Liabilities Growth
2013 1.130.343.000
2014 1.227.526.000 7.92%
2015 1.355.132.000 9.42%
2016 1.478.810.000 8.36%
2017 1.522.925.000 2.9%
2018 1.576.968.000 3.43%
2019 1.717.863.000 8.2%
2020 1.992.261.000 13.77%
2021 2.195.923.000 9.27%
2022 2.515.444.000 12.7%
2023 2.733.593.000 7.98%
2023 2.746.539.000 0.47%
2024 2.943.674.000 6.7%

First Farmers Financial Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
25.32
Net Income per Share
5.33
Price to Earning Ratio
12.3x
Price To Sales Ratio
2.6x
POCF Ratio
6.55
PFCF Ratio
6.88
Price to Book Ratio
1.75
EV to Sales
3.62
EV Over EBITDA
38
EV to Operating CashFlow
9.18
EV to FreeCashFlow
9.58
Earnings Yield
0.08
FreeCashFlow Yield
0.15
Market Cap
0,46 Bil.
Enterprise Value
0,65 Bil.
Graham Number
66.94
Graham NetNet
-315.19

Income Statement Metrics

Net Income per Share
5.33
Income Quality
1.88
ROE
0.15
Return On Assets
0.01
Return On Capital Employed
0
Net Income per EBT
0.83
EBT Per Ebit
33.34
Ebit per Revenue
0.01
Effective Tax Rate
0.17

Margins

Sales, General, & Administrative to Revenue
0.19
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.01
Pretax Profit Margin
0.23
Net Profit Margin
0.19

Dividends

Dividend Yield
0.03
Dividend Yield %
2.93
Payout Ratio
0.36
Dividend Per Share
1.92

Operating Metrics

Operating Cashflow per Share
9.99
Free CashFlow per Share
9.57
Capex to Operating CashFlow
0.04
Capex to Revenue
0.02
Capex to Depreciation
0.99
Return on Invested Capital
0.02
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.42

Balance Sheet

Cash per Share
103,16
Book Value per Share
37,40
Tangible Book Value per Share
36.16
Shareholders Equity per Share
37.4
Interest Debt per Share
51.05
Debt to Equity
1.09
Debt to Assets
0.09
Net Debt to EBITDA
10.69
Current Ratio
0.2
Tangible Asset Value
0,25 Bil.
Net Current Asset Value
-2,84 Bil.
Invested Capital
-378414000
Working Capital
-0,41 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.62

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

First Farmers Financial Corporation Dividends
Year Dividends Growth
2018 1
2019 1 0%
2020 1 0%
2021 1 0%
2022 2 0%
2023 2 0%
2024 1 0%

First Farmers Financial Corporation Profile

About First Farmers Financial Corporation

First Farmers Financial Corporation operates as the financial holding company for First Farmers Bank & Trust that provides banking products and services to individuals, families, and businesses. The company offers checking and savings accounts, health savings accounts, youth accounts, business accounts, deposit and government accounts, certificates of deposit, and individual retirement accounts, as well as account management services; and mortgages and construction loans, first time home buyers loan, home equity loans, auto loans, collateral loans, and debit and credit cards. It also provides lines of credit, term loans, real estate financing and construction loan, equipment financing, enhancement loans, letters of credit, inventory loans, livestock lending, and vehicle financing, as well as leasing, and mobile and online banking services. The company has offices throughout Carroll, Cass, Clay, Grant, Hamilton, Howard, Huntington, Madison, Marshall, Miami, Starke, Sullivan, Tippecanoe, Tipton, Vigo, and Wabash counties in Indiana; and offices in Coles, Edgar, and Vermilion counties in Illinois. First Farmers Financial Corporation was founded in 1885 and is headquartered in Converse, Indiana.

CEO
Mr. Gene E. Miles
Employee
0
Address
123 North Jefferson Street
Converse, 46919

First Farmers Financial Corporation Executives & BODs

First Farmers Financial Corporation Executives & BODs
# Name Age
1 Mr. Tade J. Powell
Senior Vice President of Communications & Public Relations
70
2 Mr. Mark Jones
Senior Vice President and Director of Loan Review & Special Assets
70
3 Ms. Jessica Rolph
Vice President & Director of Marketing & Advertising
70
4 Mr. Brandt Downing
Senior Vice President & Chief Operating Officer
70
5 Mr. Gene E. Miles
Chief Executive Officer, President & Director
70
6 Mr. Marcus Misinec
Senior Vice President, Chief Administrative Officer & General Counsel
70
7 Mr. Stephen Wilson
General Counsel, Director of Compliance & BSA
70
8 Mr. Keith D. Hill CPA
Executive Vice President, Chief Financial Officer & Director
70
9 Robert Martin
Senior Vice President & Chief Information Officer
70
10 Ms. Tammy Pence
Senior Vice President & Chief Human Resource Officer
70

First Farmers Financial Corporation Competitors