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Stock First Farmers Financial Corporation FFMR

First Farmers Financial Corporation — Investlytic score 2/5 on the five criteria.

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40/ 100
Score Investlytic · 5 criteria

Analysis in progress…

Investlytic score: 2/5 criteria met. Data as of 01/11/2026.

  • ❌ Price trend failed
  • ✅ Growth passed
  • ❌ Debt failed
  • ✅ P/E passed
  • ❌ Correction failed

Price trend

Overall trend (8 years): insufficient progression (less than x1.5).

Price change 2018 → 2019: 11.93%

Price change 2019 → 2020: -7.02%

Price change 2020 → 2021: 25.83%

Price change 2021 → 2022: 10.91%

Price change 2022 → 2023: 30.30%

Price change 2023 → 2024: -15.76%

Price change 2024 → 2025: 1.55%

Price change 2025 → 2026: -44.84%

Price change 2026 (year to date): -44.84%

Financial growth

Revenue CAGR (8 years): 12.43%

Earnings CAGR (8 years): 8.84%

Growth status: positive trend (>1%/yr) in revenue and earnings.

Debt

Debt-to-equity ratio: 0.66

Debt/equity > 0.5 (maximum threshold).

P/E (Price/Earnings)

P/E ratio: 9.53

P/E < 25.0 (maximum threshold).

Correction (6 months)

Current correction: 0.66% from the high over 6 months.

Insufficient correction (< 10.0%).

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Criteria of the Investlytic model

- / 5
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Investlytic rating reserved for members

Score out of 100, model verdict (buy, watch, sell) and details of the 5 criteria · visible with a free account.

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Price trend

Price & trend

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⚖️ Comparison with the market

All stocks →
StockP/EDette/FPRevenue growthRating
First Farmers Financial Corporation9.50.66+12.7 %🔒
Institut de Développement Industriel SCA4.70.04+1.5 %★ 4/5
Addiko Bank AG–0.02+1.8 %–
Bank of Marin Bancorp15.10.18+6.7 %–
American Business Bank10.10.00+13.2 %★ 4/5

Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.

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Detailed analysis · Price trend

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Global model trend and annual price variations · visible with a free account.

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Revenues & profits

Revenue and net income

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Chart of revenues and net income over 8 periods · real data, no estimates.

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Financial indicators

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18 financial indicators analyzed by groups of criteria: valuation, profitability, growth, solidity, dividend, and momentum.

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Annual financial statements

Fiscal yearRevenueNet income Net marginEPSRevenue growth
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Complete annual financial statements: revenue, net income, margin, and EPS over 8 fiscal years.

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Key reported figures

Revenue, net income and net margin reported by First Farmers Financial Corporation over the latest fiscal years.

Revenue
215 m USD
fiscal year 2025
Net income
50.1 m USD
fiscal year 2025
Net margin
23.4 %
fiscal year 2025
Average annual growth
+14.7 %
Revenue growth over 5 years
Average annual growth
+12.0 %
Revenue growth over 10 years
Market cap
517 m USD
Fiscal yearRevenueNet incomeNet marginRevenue growth
2020108 m30.4 m28.2 %n/a
2021111 m36.3 m32.7 %+2.9 %
2022121 m41.3 m34.0 %+9.0 %
2023177 m46.2 m26.0 %+46.4 %
2024208 m35.4 m17.0 %+17.3 %
2025215 m50.1 m23.4 %+3.1 %

Amounts converted to USD. Source: published annual accounts, collected on 06/11/2026.

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Accounts and financial health

Balance sheet and cash flow published by First Farmers Financial Corporation over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).

Overview
solid accounts
according to Altman Z, Piotroski and net debt
Altman Z-score
n/a
not applicable to banks and insurance
Piotroski Score
7 / 9
7 to 9: solid accounts
DCF Value
57.73 USD
DCF above share price · share price 37.15 USD, gap +55.4 %
Net Debt / EBITDA
0.05 x
low debt
Fiscal year20212022202320242025
Cash and investments639 m561 m629 m723 m117 m
Total Debt80.5 m143 m115 m118 m212 m
Net Debt-140 m42.1 m55.9 m118 m95.8 m
Equity243 m233 m260 m274 m321 m
Total assets2.4 bn2.7 bn3.0 bn3.2 bn3.4 bn
Operating cash flow67.0 m54.1 m47.4 m61.8 m58.2 m
Investments (capex)1.5 m3.5 m9.1 m3.0 m4.4 m
Free cash-flow65.4 m50.6 m43.2 m58.8 m53.7 m
Share buybacks3.9 m692,0001.0 m1.9 m3.5 m
Dividends paid9.6 m11.4 m13.1 m13.5 m13.9 m

Amounts in USD, currency of the published accounts.

Trailing 12-month ratios

Price / earnings (P/E)12.40 x
Price / book value1.55 x
Return on Equity (ROE)17.2 %
Return on Invested Capital (ROIC)11.5 %
Net margin24.8 %
Debt / equity0.35 x
Current ratio0.04 x
Interest coverage0.91 x
Free cash-flow yield11.4 %

Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 09/11/2026.

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Valuation and competitors

First Farmers Financial Corporation compared with its sector on the same exchange and with its main competitors.

Company P/E
9.4

Trailing 12-month P/E. Sector: median of companies in the same sector listed on the same exchange, collected on 06/11/2026. Competitors: comparable companies named by the data provider.

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PEA and practical information

PEA eligibility
no
head office outside the EU and EEA
Listing exchange
OTC (hors cote)
IPO: 07/02/2018
ISIN code
US3201731078
Chief executive
Gene E. Miles

Rule applied: the French PEA accepts shares of companies headquartered in the European Union or the European Economic Area and subject to corporate income tax; ADRs and tax-exempt property companies (SIIC) are excluded. The institution holding the PEA confirms eligibility.

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Frequently asked questions about First Farmers Financial Corporation

What is the First Farmers Financial Corporation share price?

Latest recorded price: 37.25 USD on 06/11/2026, for a market cap of 517 m USD.

What is the revenue of First Farmers Financial Corporation?

215 m USD for fiscal year 2025, with net income of 50.1 m USD (net margin 23.4 %).

What is the P/E ratio of First Farmers Financial Corporation?

Trailing 12-month P/E of 9.4.

Is First Farmers Financial Corporation stock eligible for the French PEA?

No: the company is headquartered outside the European Union and the European Economic Area (ISIN US3201731078).

Who runs First Farmers Financial Corporation?

Gene E. Miles is the company's chief executive.

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