FFMH (First Farmers and Merchants) EPS without NRI: $4.86 (TTM As of Mar. 2026)


FFMH First Farmers and Merchants Corp FFMH
64 GF Score
Price $57.75
GF Value $45.43
Valuation Modestly Overvalued
! 5 Warning Signs
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What is First Farmers and Merchants EPS without NRI?

First Farmers and Merchants FFMH 64 EPS without NRI is $4.86 as of Mar. 2026. GuruFocus rates FFMH with a GF Score™ of 64/100 and a GF Value™ of $45.43 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,412 Banks companies, First Farmers and Merchants ranks worse than 62.75% on this metric.

First Farmers and Merchants's earnings per share without non-recurring items for the three months ended in Mar. 2026 was $1.38. Its earnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was $4.86.

During the past 12 months, First Farmers and Merchants's average earnings per share (NRI) Growth Rate was 16.80% per year. During the past 3 years, the average earnings per share (NRI) Growth Rate was 3.10% per year. During the past 5 years, the average earnings per share (NRI) Growth Rate was 5.40% per year. During the past 10 years, the average earnings per share (NRI) Growth Rate was 0.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using Earnings per share without Non-Recurring Items (NRI) data.

The historical rank and industry rank for First Farmers and Merchants's EPS without NRI or its related term are showing as below:

FFMH' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 2.4   Med: 4.2   Max: 10.4
Current: 3.1

During the past 8 years, First Farmers and Merchants's highest 3-Year average Earnings Per Share (NRI) Growth Rate was 10.40% per year. The lowest was 2.40% per year. And the median was 4.20% per year.

FFMH's 3-Year EPS without NRI Growth Rate is ranked worse than
62.75% of 1412 companies
in the Banks industry
Industry Median: 7.3 vs FFMH: 3.10

First Farmers and Merchants's EPS (Diluted) for the three months ended in Mar. 2026 was $1.37. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $4.91.

First Farmers and Merchants's EPS (Basic) for the three months ended in Mar. 2026 was $1.38. Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was $4.92.


First Farmers and Merchants  (OTCPK:FFMH) EPS without NRI Explanation

EPS without NRI removes onetime and unusual items from EPS, to provide investors with a more accurate measure of the company’s true earnings. The earnings are adjusted for items that are irregular or unusual in nature, and/or are non-recurring. This is calculated using Net Income (Continuing Operations) plus/minus any tax affected unusual Items and Goodwill Impairments/Write Offs. This can be used to fairly measure a company's profitability.


Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.


First Farmers and Merchants EPS without NRI Related Terms


First Farmers and Merchants EPS without NRI Historical Data

* Premium members only.

The historical data trend for First Farmers and Merchants's EPS without NRI can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

First Farmers and Merchants EPS without NRI Chart

First Farmers and Merchants Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS without NRI
Get a 7-Day Free Trial 3.59 4.19 3.80 3.86 4.59

First Farmers and Merchants Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EPS without NRI Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.10 1.09 1.21 1.18 1.38

FFMH vs PEBK, OPBK, CZWI: EPS without NRI Comparison

For the Banks - Regional subindustry, First Farmers and Merchants's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


First Farmers and Merchants PE Ratio without NRI vs Banks Industry

For the Banks industry and Financial Services sector, First Farmers and Merchants's PE Ratio without NRI distribution charts can be found below:

* The bar in red indicates where First Farmers and Merchants's PE Ratio without NRI falls into.


FFMH
64GF Score
First Farmers and Merchants Corp FFMH
EPS without NRI is just one metric. See GF Score™, valuation, warning signs, and more.
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First Farmers and Merchants EPS without NRI Calculation

Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock.

EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.86

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EPS without NRI →
What does a EPS without NRI of $4.86 mean?
First Farmers and Merchants (FFMH) has a EPS without NRI of $4.86 as of Mar. 2026. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on First Farmers and Merchants and its competitors. According to the industry distribution chart, First Farmers and Merchants ranks #886 out of 1412 companies in the Banks industry, placing it in the top 62.7%.
Is First Farmers and Merchants' EPS without NRI too high?
First Farmers and Merchants' current EPS without NRI is $4.86. The Banks industry median EPS without NRI is 7.30. First Farmers and Merchants' value of $4.86 is 33.4% below this industry median. Based on the distribution chart, First Farmers and Merchants ranks #886 out of 1412 companies in the Banks industry, which is below the industry midpoint. Overall, First Farmers and Merchants has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Farmers and Merchants' EPS without NRI compare to PEBK and OPBK?
According to the Banks industry distribution chart, First Farmers and Merchants ranks #886 out of 1412 companies for EPS without NRI. This places First Farmers and Merchants in the lower half of its industry. The industry median EPS without NRI is 7.30. First Farmers and Merchants' value of $4.86 is 33.4% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS without NRI for a Banks company?
The median EPS without NRI among Banks companies is 7.30, based on 1,412 companies in the industry. Companies in the top quartile (top 25%) have a EPS without NRI significantly above this median, while those in the bottom quartile fall well below. However, EPS without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Farmers and Merchants's current EPS without NRI of $4.86 is 33.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EPS without NRI mean?
A high EPS without NRI can signal that a stock is expensive relative to its fundamentals. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on First Farmers and Merchants and its competitors. For the Banks industry, the median EPS without NRI is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Farmers and Merchants's current EPS without NRI is $4.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Farmers and Merchants stock overvalued right now?
Based on GuruFocus' analysis, First Farmers and Merchants (FFMH) is currently considered Modestly Overvalued. The stock's GF Value™ is $45.43, compared to a current price of $57.75 — trading 27.1% above its estimated fair value. The current EPS without NRI is $4.86 and 33.4% below the Banks industry median of 7.30. First Farmers and Merchants' overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For First Farmers and Merchants (FFMH), the current EPS without NRI is $4.86 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is First Farmers and Merchants (FFMH) Overvalued in 2026?

Based on GuruFocus' analysis, First Farmers and Merchants stock appears to be overvalued. The current stock price of $57.75 is trading 27.1% above its estimated GF Value™ of $45.43. GuruFocus considers First Farmers and Merchants to be Modestly Overvalued.

Key valuation signals for FFMH:

  • EPS without NRI: $4.86
  • GF Value™: $45.43 vs. price of $57.75 (27.1% above fair value)
  • GF Score™: 64/100 with 5 warning signs
  • Industry Position: 33.4% below the Banks median (#886 of 1412)

No single metric tells the full story. See the FFMH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


First Farmers and Merchants Business Description

Address 816 South Garden Street, Columbia, TN, USA, 38401
First Farmers and Merchants Corp is a bank holding company whose principal activity is the ownership and management of its wholly-owned subsidiary. The Bank is engaged in providing a full range of banking and financial services, including lending, investing of funds, obtaining deposits, trust, and wealth management operations, and other financing activities to individual and corporate customers in the Middle Tennessee area. The Bank is subject to competition from other financial institutions. It has one reportable segment, which is banking and financial services.
64GF Score

Get the complete analysis for FFMH

EPS without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$57.75
Price
$45.43
GF Value