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First Farmers and Merchants (FFMH) Price & Analysis

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

First Farmers and Merchants Corporation lowest stock price was $42.50 and its highest was $64.00 in the past 12 months.

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

First Farmers and Merchants Corporation’s market cap is $258.75M.

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

First Farmers and Merchants Corporation’s upcoming earnings report date is Oct 26, 2026 which is in 67 days.

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

First Farmers and Merchants Corporation released its earnings results on Jul 27, 2026. The company reported $1.434 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.

Q: 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

Q: 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 1.82%. See more information on First Farmers and Merchants Corporation dividends here

Q: 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.

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

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

Q: 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 $1.434 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 0.417%.

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

Currently, no hedge funds are holding shares in FFMH

2 Followers

FFMH Stock Chart & Stats

$59.95

$0.00(0.00%)

At close: Jul 22 4:00 PM EDT

$59.95

$0.00(0.00%)

Day’s Range― - ―

52-Week Range$42.50 - $64.00

Previous CloseN/A

Volume153.00

Average Volume (3M)314.00

Market Cap

$258.75M

Enterprise Value$183.44

Total Cash (Recent Filing)$48.53M

Total Debt (Recent Filing)$0.00

Price to Earnings (P/E)12.1

Beta0.10

Next Earnings

Oct 26, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield1.82%

Share Statistics

EPS (TTM)5.21

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 Cap<0.01

Enterprise Value/Revenue<0.01

Enterprise Value/Gross Profit<0.01

Enterprise Value/Ebitda<0.01

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 and expanding equity materially strengthen financial flexibility and loss-absorbing capacity. Over the coming months this reduces refinancing and interest-rate risk, supports lending capacity, and allows the bank to absorb localized credit stress without relying on external capital.

Consistent Profitability And ROESustained net margins and a healthy ROE indicate that core banking operations generate reliable earnings. This durability supports internal capital generation, steady shareholder returns, and the capacity to fund organic growth or maintain reserves through normal economic cycles over the next several quarters.

Reliable Cash GenerationHigh FCF conversion versus net income signals strong earnings quality and internal funding ability. Consistent cash conversion supports dividend payments, loan originations and reserve buildups without heavy reliance on external funding, a durable advantage for a community bank.

Bears Say

Choppy Revenue GrowthIrregular revenue trends weaken predictability of future earnings and complicate planning for lending and deposit pricing. Over a multi-month horizon, inconsistent top-line performance can strain margins and capital allocation choices when loan demand or fee income swings across local markets.

Inconsistent Cash-flow TrendsYear-to-year swings in operating and free cash flows raise uncertainty about sustainable internal funding levels. This inconsistency can force tougher tradeoffs between lending growth, dividend policy, and reserve builds, reducing resilience to macro shocks or localized credit deterioration over the medium term.

Concentrated Local Market ExposureBeing a community bank focused on local markets limits geographic and product diversification. That structural concentration makes earnings and credit quality more sensitive to regional economic cycles and local industry downturns, constraining long-term growth and increasing cyclicality risk.

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 $42.50 and its highest was $64.00 in the past 12 months.

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

First Farmers and Merchants Corporation’s market cap is $258.75M.

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

First Farmers and Merchants Corporation’s upcoming earnings report date is Oct 26, 2026 which is in 67 days.

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

First Farmers and Merchants Corporation released its earnings results on Jul 27, 2026. The company reported $1.434 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.

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 1.82%. 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 $1.434 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 0.417%.

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

1.82%

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.