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First Farmers and Merchants (FFMH) Price & Analysis

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FFMH Stock Chart & Stats

$49.15

$0.00(0.00%)

At close: Dec 20 4:00 PM EST

$49.15

$0.00(0.00%)

Day’s Range― - ―

52-Week Range$42.00 - $60.50

Previous CloseN/A

Volume20.00

Average Volume (3M)314.00

Market Cap

$241.55M

Enterprise Value$202.17M

Total Cash (Recent Filing)$26.51M

Total Debt (Recent Filing)$0.00

Price to Earnings (P/E)12.0

Beta0.04

Next Earnings

Jul 27, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield1.97%

Share Statistics

EPS (TTM)4.92

Shares Outstanding4,094,102

10 Day Avg. Volume309

30 Day Avg. Volume314

Financial Highlights & Ratios

PEG Ratio0.54

Price to Book (P/B)1.15

Price to Sales (P/S)2.42

P/FCF Ratio10.38

Enterprise Value/Market Cap0.84

Enterprise Value/Revenue2.45

Enterprise Value/Gross Profit2.92

Enterprise Value/Ebitda8.07

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Conservative Balance SheetZero reported debt across 2024–2025 and meaningful equity expansion materially reduce financial leverage and interest burden, enhancing resilience to credit or rate shocks. This durable capital posture supports lending capacity, steady operations, and strategic flexibility over the next several months.

Sustained Profitability And MarginsConsistent net margins in the mid-to-high twenties and a roughly 11% ROE indicate the bank converts revenue into lasting profitability. Strong margin structure supports internal capital formation, dividend capacity and reinvestment in core banking capabilities, underpinning performance across business cycles.

High Cash Conversion QualityFree cash flow conversion near parity with net income demonstrates high earnings quality and reliable cash generation. That steady cash conversion enables funding for loan growth, reserves, and shareholder distributions without heavy external financing, supporting durable operational stability.

Bears Say

Choppy Revenue GrowthVolatile top-line trends reduce visibility into future earnings and complicate planning for loan book expansion or branch investments. Choppy revenue suggests results hinge on timing of loan originations, repricing and local demand, which can depress predictability and strategic execution over the medium term.

Inconsistent Cash Flow TimingIntermittent declines in operating and free cash flow indicate sensitivity to loan repayments, provisioning and balance-sheet mix. These swings limit the firm's ability to consistently deploy capital, smooth dividends or absorb shocks, raising medium-term liquidity and planning risk despite overall good conversion ratios.

Concentrated, NII-dependent Business ModelHeavy reliance on net interest income and local lending ties earnings to interest-rate moves and regional economic cycles. Limited diversification into fee-based or noninterest revenue makes margins and credit performance more cyclically sensitive, constraining resilience to structural rate shifts and localized downturns.

FFMH FAQ

What was First Farmers and Merchants Corporation’s price range in the past 12 months?

First Farmers and Merchants Corporation lowest stock price was $42.00 and its highest was $60.50 in the past 12 months.

What is First Farmers and Merchants Corporation’s market cap?

First Farmers and Merchants Corporation’s market cap is $241.55M.

When is First Farmers and Merchants Corporation’s upcoming earnings report date?

First Farmers and Merchants Corporation’s upcoming earnings report date is Jul 27, 2026 which is in 5 days.

How were First Farmers and Merchants Corporation’s earnings last quarter?

First Farmers and Merchants Corporation released its earnings results on Apr 27, 2026. The company reported $1.373 earnings per share for the quarter, beating the consensus estimate of N/A by $1.373.

Is First Farmers and Merchants Corporation overvalued?

According to Wall Street analysts First Farmers and Merchants Corporation’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does First Farmers and Merchants Corporation pay dividends?

First Farmers and Merchants Corporation pays a Quarterly dividend of $0.29 which represents an annual dividend yield of 1.97%. See more information on First Farmers and Merchants Corporation dividends here

What is First Farmers and Merchants Corporation’s EPS estimate?

First Farmers and Merchants Corporation’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does First Farmers and Merchants Corporation have?

First Farmers and Merchants Corporation has 4,094,102 shares outstanding.

What happened to First Farmers and Merchants Corporation’s price movement after its last earnings report?

First Farmers and Merchants Corporation reported an EPS of $1.373 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 2.667%.

Which hedge fund is a major shareholder of First Farmers and Merchants Corporation?

Currently, no hedge funds are holding shares in FFMH

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

First Farmers and Merchants Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

1.97%

Trailing 12-Months

Asset Growth

1.28%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

First Farmers and Merchants Corporation

First Farmers and Merchants Corporation (FFMH) functions as the parent entity for First Farmers and Merchants Bank, delivering a comprehensive suite of banking and financial solutions to clients in Tennessee and Alabama. Its diverse array of deposit offerings encompasses personal and business checking and savings accounts, individual retirement accounts (IRAs), investment accounts, and certificates of deposit. On the lending side, FFMH extends various credit options, including residential mortgages, home equity lines of credit (HELOCs), personal, auto, and agricultural loans, alongside credit and debit card services. For businesses, its extensive loan programs cover commercial real estate, equipment financing and leasing, construction loans, accounts receivable funding, and general lines of credit. Beyond traditional banking, the corporation also provides sophisticated wealth management, including trust and investment advisory services. Furthermore, it delivers treasury management solutions—such as accounts receivable and payable processing, fraud mitigation, and advanced account oversight—complemented by convenient online and mobile banking platforms. Its physical presence extends to 22 branch locations across seven counties in Middle Tennessee. Established in 1909, the company maintains its headquarters in Columbia, Tennessee.