What is FFMH P/E ratio?

First Farmers and Merchants Corporation's P/E ratio is 11.99. This is below the market average, suggesting the stock may be undervalued relative to earnings.

What is FFMH return on equity (ROE)?

First Farmers and Merchants Corporation's return on equity (ROE) is 11.80%, indicating how efficiently the company generates profit from shareholders' equity. This is below the typical market average of 12-15%.

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

First Farmers and Merchants Corporation has a market capitalization of $233.63M.

OTC · Banks - Regional

First Farmers and Merchants Corporation (FFMH) Stock

Q: What is First Farmers and Merchants Corporation (FFMH) stock price today?

First Farmers and Merchants Corporation (FFMH) is currently trading at $59.00, up 0% today.

$59.00 +0.00% OTC: FFMH Financial Services

Valuation

Metric	Value
Price	$59.00
Market Cap	$233.63M
P/E Ratio	11.99
P/B Ratio	1.35
P/S Ratio	2.83
EPS (TTM)	$4.92
52-Week High	$59.00
52-Week Low	$42.25
Dividend Yield	1.97%

Financials & Margins

Metric	Value
ROE	11.80%
ROA	1.09%
ROCE	1.35%
Gross Margin	83.80%
Operating Margin	29.29%
Net Margin	23.75%
Debt/Equity	0.01
Current Ratio	102.00

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
Revenue	$64.0M	$65.0M	$74.0M	$59.0M	$81.0M
Operating Profit	$19.0M	$22.0M	$19.0M	$23.0M	$23.0M
Net Profit	$16.0M	$18.0M	$16.0M	$16.0M	$19.0M
EPS	$3.59	$4.19	$3.80	$3.89	$4.64
Op Margin	29.7%	34.1%	26.3%	39.6%	28.0%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
Total Assets	$2.0B	$1.9B	$1.9B	$1.8B	$1.8B
Total Liabilities	$1.8B	$1.8B	$1.7B	$1.6B	$1.6B
Cash	$95.0M	$29.0M	$25.0M	$47.0M	$102.0M
Borrowings	$0	$25.0M	$104.0M	$0	$2.0M

Latest News

First Farmers and Merchants Corporation Declares Quarterly Cash Dividend of $0.29 Per Share Business Wire · Jun 23, 2026

Cash Flow (USD)

Metric	2021	2022	2023	2024	2025
Operating Cash Flow	$23.0M	$16.0M	$18.0M	$31.0M	$20.0M
Investing Cash Flow	$-225.0M	$-118.0M	$86.0M	$117.0M	$52.0M
Financing Cash Flow	$181.0M	$6.0M	$-183.0M	$-19.0M	$-13.0M
Net Cash Flow	$-35.0M	$-74.0M	$-4.0M	$21.0M	$0
Free Cash Flow	$21.0M	$15.0M	$17.0M	$31.0M	$19.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	0.70
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	40.41%
Return 3Y	121.91%
Return 5Y	103.10%

Ownership

Insiders Held0.00%

Institutions Held0.10%

Institutions Float Held0.10%

Institutional Holder	Shares	Report Date
Diversified Trust Company	4,032	2026-06-30

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
CBTNCitizens Bancorp Investment, Inc.	$36.00	+0.56%	9.81	$213.19M	2.22%
CCFNMuncy Columbia Financial Corporation	$28.74	-0.21%	11.30	$305.00M	2.16%
EXSRExchange Bank (Santa Rosa, CA)	$166.00	+0.00%	8.93	$284.58M	3.25%
FIEBFirst IC Corporation	$20.49	+0.00%	7.53	$185.84M	0.00%
FNRN	$18.80	+1.62%	13.42	$308.45M	0.00%

About 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.

First Farmers and Merchants Corporation is headquartered in US.

First Farmers and Merchants Corporation (FFMH) stock trades at $59.00 with a market capitalization of $233.63M. The stock is valued at a price-to-earnings (P/E) ratio of 11.99, price-to-book of 1.35, price-to-sales of 2.83. Over the past 52 weeks the stock has ranged between $42.25 and $59.00, and currently trades at its 52-week high. It pays a dividend yielding 1.97%.

On profitability, First Farmers and Merchants Corporation generates a return on equity (ROE) of 11.80%, return on capital employed of 1.35%, an operating margin of 29.29%, a net profit margin of 23.75%.

Official website: www.myfirstfarmers.com