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First Farmers Financial Corp. (FFMR)
OTHER OTC:FFMR
US Market
FFMR
First Farmers Financial
RESEARCH TOOLSreports

First Farmers Financial (FFMR) Ratios

10 Followers

First Farmers Financial Ratios

FFMR's free cash flow for Q2 2026 was $0.64. For the 2026 fiscal year, FFMR's free cash flow was decreased by $ and operating cash flow was $0.32. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.04 1.05 0.06 0.35 0.25
Quick Ratio
 0.04 1.05 0.06 0.35 0.25
Cash Ratio
 0.04 0.86 0.05 0.03 0.04
Solvency Ratio
 0.02 0.02 0.01 0.02 0.02
Operating Cash Flow Ratio
 0.02 0.43 0.03 0.02 0.02
Short-Term Operating Cash Flow Coverage
 0.00 0.43 1.23 0.79 0.00
Net Current Asset Value
$ -3.06B$ -2.98B$ -2.83B$ -2.00B$ -1.92B
Leverage Ratios
Debt-to-Assets Ratio
 0.03 0.06 0.04 0.04 0.05
Debt-to-Equity Ratio
 0.35 0.66 0.43 0.44 0.61
Debt-to-Capital Ratio
 0.26 0.40 0.30 0.31 0.38
Long-Term Debt-to-Capital Ratio
 0.26 0.19 0.20 0.17 0.38
Financial Leverage Ratio
 10.48 10.74 11.88 11.58 11.79
Debt Service Coverage Ratio
 0.75 0.25 0.27 0.42 3.34
Interest Coverage Ratio
 0.91 0.82 0.54 0.97 3.83
Debt to Market Cap
 0.16 0.44 0.25 0.20 0.33
Interest Debt Per Share
 13.98 13.77 9.46 24.77 22.28
Net Debt to EBITDA
 0.05 1.47 -0.03 0.92 0.77
Profitability Margins
Gross Profit Margin
62.88%60.93%49.86%64.14%84.09%
EBIT Margin
30.78%29.01%20.93%32.06%42.26%
EBITDA Margin
31.57%30.34%20.93%34.19%45.06%
Operating Profit Margin
30.78%29.01%20.93%32.06%42.26%
Pretax Profit Margin
30.78%29.01%20.63%32.06%42.26%
Net Profit Margin
24.75%23.35%17.02%26.02%34.05%
Continuous Operations Profit Margin
24.75%23.35%17.02%26.02%34.05%
Net Income Per EBT
80.42%80.49%82.49%81.15%80.57%
EBT Per EBIT
100.00%100.00%98.56%100.00%100.00%
Return on Assets (ROA)
1.57%1.46%1.09%1.54%1.50%
Return on Equity (ROE)
17.21%15.62%12.95%17.79%17.71%
Return on Capital Employed (ROCE)
14.26%1.88%4.63%6.60%13.62%
Return on Invested Capital (ROIC)
11.46%1.46%3.19%2.17%10.97%
Return on Tangible Assets
1.58%1.46%1.09%1.54%1.51%
Earnings Yield
10.92%10.54%7.53%8.27%9.64%
Efficiency Ratios
Receivables Turnover
 0.00 8.17 0.00 4.92 3.66
Payables Turnover
 0.00 0.00 0.00 2.00 0.59
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 8.97 7.64 8.34 6.98 5.51
Asset Turnover
 0.06 0.06 0.06 0.06 0.04
Working Capital Turnover Ratio
 -0.08 -0.20 -0.12 -0.11 -0.08
Cash Conversion Cycle
 0.00 44.67 0.00 -107.96 -518.91
Days of Sales Outstanding
 0.00 44.67 0.00 74.24 99.68
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 182.19 618.59
Operating Cycle
 0.00 44.67 0.00 74.24 99.68
Cash Flow Ratios
Operating Cash Flow Per Share
 4.49 2.77 2.93 6.74 7.70
Free Cash Flow Per Share
 4.24 2.56 2.79 6.15 7.21
CapEx Per Share
 0.25 0.21 0.14 0.62 0.49
Free Cash Flow to Operating Cash Flow
 0.94 0.92 0.95 0.91 0.94
Dividend Paid and CapEx Coverage Ratio
 3.53 3.18 3.75 2.72 3.63
Capital Expenditure Coverage Ratio
 17.91 13.11 20.75 10.91 15.63
Operating Cash Flow Coverage Ratio
 0.53 0.27 0.52 0.41 0.38
Operating Cash Flow to Sales Ratio
 0.28 0.27 0.30 0.27 0.45
Free Cash Flow Yield
7.77%11.31%12.48%7.74%11.82%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 12.12 9.48 13.29 12.10 10.38
Price-to-Sales (P/S) Ratio
 3.40 2.21 2.26 3.15 3.53
Price-to-Book (P/B) Ratio
 1.51 1.48 1.72 2.15 1.84
Price-to-Free Cash Flow (P/FCF) Ratio
 12.88 8.85 8.01 12.92 8.46
Price-to-Operating Cash Flow Ratio
 8.11 8.17 7.62 11.79 7.92
Price-to-Earnings Growth (PEG) Ratio
 0.29 0.22 -0.57 1.03 0.74
Price-to-Fair Value
 1.51 1.48 1.72 2.15 1.84
Enterprise Value Multiple
 10.82 8.77 10.77 10.13 8.61
Enterprise Value
 761.49M 571.19M 469.42M 614.55M 470.43M
EV to EBITDA
 10.82 8.77 10.77 10.13 8.61
EV to Sales
 3.42 2.66 2.25 3.46 3.88
EV to Free Cash Flow
 12.94 10.63 7.99 14.22 9.30
EV to Operating Cash Flow
 12.21 9.82 7.60 12.97 8.70
Tangible Book Value Per Share
 23.46 14.87 12.56 35.69 31.94
Shareholders’ Equity Per Share
 24.08 15.29 12.97 36.93 33.20
Tax and Other Ratios
Effective Tax Rate
 0.20 0.20 0.18 0.19 0.19
Revenue Per Share
 16.06 10.23 9.87 25.25 17.27
Net Income Per Share
 3.97 2.39 1.68 6.57 5.88
Tax Burden
 0.80 0.80 0.82 0.81 0.81
Interest Burden
 1.00 1.00 0.99 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.24 0.19 0.25 0.19 0.26
Stock-Based Compensation to Revenue
 >-0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 1.13 1.16 1.74 1.03 1.31
Currency in USD