Hide

FocusBar

FeedbackFeedback
Subscribe to Premium Member
15.25 (1y: +232%)
Market Cap 146.42 M P/E(ttm) 24.20
Enterprise Value 231.44 M P/B 1.40
FMFC- NAS (USA)
First M&F Corp
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$15.25
Switch to:

GuruFocus Financial Strength Rank measures how strong a companyย’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry		 vs
history
Cash to Debt 2.228
FMFC's Cash to Debt is ranked higher than
80% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. FMFC: 2.228 )
FMFC' s 10-Year Cash to Debt Range
Min: 0.24   Max: 2.23
Current: 2.23
0.24
2.23
Equity to Asset 0.074
FMFC's Equity to Asset is ranked higher than
53% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FMFC: 0.074 )
FMFC' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.1
Current: 0.07
0.06
0.1
Interest Coverage No Debt
FMFC's Interest Coverage is ranked higher than
58% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. FMFC: No Debt )
FMFC' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 6
Z-Score: 0.26
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry		 vs
history
Operating margin (%) 12.70
FMFC's Operating margin (%) is ranked higher than
58% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.80 vs. FMFC: 12.70 )
FMFC' s 10-Year Operating margin (%) Range
Min: -115.3   Max: 30.6
Current: 12.7
-115.3
30.6
Net-margin (%) 9.4
FMFC's Net-margin (%) is ranked higher than
55% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.70 vs. FMFC: 9.4 )
FMFC' s 10-Year Net-margin (%) Range
Min: -88.5   Max: 22.1
Current: 9.4
-88.5
22.1
ROE (%) 5.9
FMFC's ROE (%) is ranked higher than
68% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. FMFC: 5.9 )
FMFC' s 10-Year ROE (%) Range
Min: -57.2   Max: 10.9
Current: 5.9
-57.2
10.9
ROA (%) 0.4
FMFC's ROA (%) is ranked higher than
62% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. FMFC: 0.4 )
FMFC' s 10-Year ROA (%) Range
Min: -3.6   Max: 1
Current: 0.4
-3.6
1
Revenue Growth (%) 2.1
FMFC's Revenue Growth (%) is ranked higher than
81% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FMFC: 2.1 )
FMFC' s 10-Year Revenue Growth (%) Range
Min: -2.3   Max: 7.8
Current: 2.1
-2.3
7.8
ยป FMFC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades
Q2 2012

FMFC Guru Trades in Q2 2012

Arnold Schneider 28,886 sh (New)
Jim Simons 22,900 sh (+24.46%)
» More
Q3 2012

FMFC Guru Trades in Q3 2012

Jim Simons 29,700 sh (+29.69%)
Arnold Schneider 28,886 sh (unchged)
» More
Q4 2012

FMFC Guru Trades in Q4 2012

Jim Simons 40,600 sh (+36.7%)
Arnold Schneider 12,786 sh (-55.74%)
» More
Q1 2013

FMFC Guru Trades in Q1 2013

Jim Simons 63,700 sh (+56.9%)
Arnold Schneider Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with FMFC



No Insider Trades Found!
ยป Financial Charts

Peter Lynch Chart

Ratios

vs
industry		 vs
history
P/E(ttm) 24.20
FMFC's P/E(ttm) is ranked lower than
59% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.60 vs. FMFC: 24.20 )
FMFC' s 10-Year P/E(ttm) Range
Min: 1.99   Max: 179.2
Current: 24.2
1.99
179.2
P/B 1.40
FMFC's P/B is ranked lower than
55% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. FMFC: 1.40 )
FMFC' s 10-Year P/B Range
Min: 0.17   Max: 1.65
Current: 1.4
0.17
1.65
P/S 1.93
FMFC's P/S is ranked higher than
74% of the 1433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.33 vs. FMFC: 1.93 )
FMFC' s 10-Year P/S Range
Min: 0.26   Max: 3.42
Current: 1.93
0.26
3.42
PFCF 4.20
FMFC's PFCF is ranked higher than
73% of the 1087 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.38 vs. FMFC: 4.20 )
FMFC' s 10-Year PFCF Range
Min: 1.01   Max: 38.44
Current: 4.2
1.01
38.44
EV-to-EBIT 21.3
FMFC's EV-to-EBIT is ranked higher than
51% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.26 vs. FMFC: 21.3 )
FMFC' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 23.7
Current: 21.3
0.1
23.7
Shiller P/E 882.1
FMFC's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. FMFC: 882.1 )
FMFC' s 10-Year Shiller P/E Range
Min: 4.1   Max: 882.1
Current: 882.1
4.1
882.1

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 0.26
FMFC's Dividend Yield is ranked lower than
66% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. FMFC: 0.26 )
FMFC' s 10-Year Dividend Yield Range
Min: 0.26   Max: 14.21
Current: 0.26
0.26
14.21
Dividend Payout 0.0634
FMFC's Dividend Payout is ranked higher than
91% of the 951 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.30 vs. FMFC: 0.0634 )
FMFC' s 10-Year Dividend Payout Range
Min: 0.05   Max: 8.98
Current: 0.06
0.05
8.98
Dividend growth (3y) -29.3
FMFC's Dividend growth (3y) is ranked lower than
62% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FMFC: -29.3 )
FMFC' s 10-Year Dividend growth (3y) Range
Min: -47.3   Max: 1
Current: -29.3
-47.3
1
Yield on cost (5-Year) 0.01
FMFC's Yield on cost (5-Year) is ranked lower than
64% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. FMFC: 0.01 )
FMFC' s 10-Year Yield on cost (5-Year) Range
Min: 0.01   Max: 0.55
Current: 0.01
0.01
0.55
Share Buyback Rate -0.3
FMFC's Share Buyback Rate is ranked higher than
60% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -0.20 vs. FMFC: -0.3 )
FMFC' s 10-Year Share Buyback Rate Range
Min: 0.5   Max: -5
Current: -0.3

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.5
FMFC's Price/Tangible Book is ranked lower than
52% of the 1191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FMFC: 1.5 )
FMFC' s 10-Year Price/Tangible Book Range
Min: 0.3   Max: 2.1
Current: 1.5
0.3
2.1
Price/DCF (Projected) 0.5
FMFC's Price/DCF (Projected) is ranked higher than
81% of the 679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. FMFC: 0.5 )
FMFC' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 0.8
Current: 0.5
0.1
0.8
Price/Median PS Value 0.9
FMFC's Price/Median PS Value is ranked higher than
66% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FMFC: 0.9 )
FMFC' s 10-Year Price/Median PS Value Range
Min: 0.1   Max: 1.5
Current: 0.9
0.1
1.5
Price/Graham Number 1
FMFC's Price/Graham Number is ranked lower than
55% of the 1094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FMFC: 1 )
FMFC' s 10-Year Price/Graham Number Range
Min: 0.3   Max: 2.3
Current: 1
0.3
2.3
Earnings Yield (Greenblatt) 4.70
FMFC's Earnings Yield (Greenblatt) is ranked higher than
68% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.10 vs. FMFC: 4.70 )
FMFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.2   Max: 16313.1
Current: 4.7
4.2
16313.1
Forward Rate of Return (Yacktman) 11.53
FMFC's Forward Rate of Return (Yacktman) is ranked higher than
80% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FMFC: 11.53 )
FMFC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 7   Max: 82.5
Current: 11.53
7
82.5

Business Description

First M&F Corporation is a one-bank holding Company chartered and organized under Mississippi laws in 1979. The Company engages exclusively in the banking business through its wholly-owned subsidiary, Merchants and Farmers Bank of Kosciusko in the states of Mississippi, Tennessee, Alabama, and Florida. The Bank offers a complete range of commercial and consumer services at its main office and two branches in Kosciusko and its branches within central and north Mississippi, including Ackerman, Brandon, Bruce, Canton, Cleveland, Clinton, Durant, Flowood, Grenada, Jackson, Madison, Olive Branch, Oxford, Pearl, Philadelphia, Ridgeland, Southaven, Starkville, and Tupelo. The Bank also has banking locations in southwest Tennessee in Bells, Cordova, Germantown and Memphis. The Bank also has banking locations in central Alabama in Birmingham, Chelsea, Columbiana, Inverness, Pelham and Wilsonville. The Bank also has a banking location in Niceville, Florida. The banking system offers a variety of deposit, investment and credit products to customers. The Bank provides these services to middle market and professional businesses, ranging from business checking, treasury management services and secured and unsecured lines of credit. Additional services include ACH origination, sweep accounts and letters of credit. The Bank also offers a variety of checking accounts to its customers and other services, which include debit cards and automated teller machine access through several networks, and an overdraft protection plan. Trust services are offered through the Kosciusko and Madison offices in Mississippi and discount brokerage services are offered through the Madison and Tupelo offices in Mississippi. The Company competes generally with other banking institutions, savings associations, credit unions, mortgage banking firms, consumer finance companies, mutual funds, insurance companies, securities brokerage firms, and other finance related institutions; many of which have greater resources than those available to the Company.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for FMFC

Headlines

Articles On GuruFocus.com
First M & F Corp. (FMFC) CEO Hugh S Jr Potts buys 1,500 Shares Feb 03 2011 
First M & F Corp. (FMFC) Vice Chairman & President Scott M Wiggers sells 1,333 Shares Nov 30 2009 
First M & F Corp. (FMFC) Director Jon A Crocker buys 1,000 Shares Apr 03 2009 
First M&F Corp. Approved to Participate in U.S. Treasury Capital Purchase Program Dec 16 2008 

Personalized Checklist





Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK