FFMH (First Farmers and Merchants) EV-to-FCF: (As of Jul. 14, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FFMH First Farmers and Merchants Corp FFMH
64 GF Score
Price $58.00
GF Value $45.51
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is First Farmers and Merchants EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, First Farmers and Merchants's Enterprise Value is $145.92 Mil. First Farmers and Merchants's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $0.00 Mil. Therefore, First Farmers and Merchants's EV-to-FCF for today is .

The historical rank and industry rank for First Farmers and Merchants's EV-to-FCF or its related term are showing as below:

FFMH' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 7.71
Current: 7.71

During the past 8 years, the highest EV-to-FCF of First Farmers and Merchants was 7.71. The lowest was 0.00. And the median was 0.00.

FFMH's EV-to-FCF is ranked worse than
54.05% of 1199 companies
in the Banks industry
Industry Median: 6.57 vs FFMH: 7.71

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-07-14), First Farmers and Merchants's stock price is $58.00. First Farmers and Merchants's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $4.910. Therefore, First Farmers and Merchants's PE Ratio (TTM) for today is 11.81.


First Farmers and Merchants  (OTCPK:FFMH) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

First Farmers and Merchants's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=58.00/4.910
=11.81

First Farmers and Merchants's share price for today is $58.00.
First Farmers and Merchants's Earnings per Share (Diluted) 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 $4.910.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


First Farmers and Merchants EV-to-FCF Related Terms


First Farmers and Merchants EV-to-FCF Historical Data

* Premium members only.

The historical data trend for First Farmers and Merchants's EV-to-FCF 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 EV-to-FCF Chart

First Farmers and Merchants Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial 2.67 7.23 4.60 3.58 4.88

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
EV-to-FCF 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 0.00 0.00 0.00 4.88 0.00

FFMH vs PEBK, OPBK, CZWI: EV-to-FCF Comparison

For the Banks - Regional subindustry, First Farmers and Merchants's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, First Farmers and Merchants's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where First Farmers and Merchants's EV-to-FCF falls into.


FFMH
64GF Score
First Farmers and Merchants Corp FFMH
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Farmers and Merchants EV-to-FCF Calculation

First Farmers and Merchants's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=145.923/0
=

First Farmers and Merchants's current Enterprise Value is $145.92 Mil.
First Farmers and Merchants's Free Cash Flow 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 $0.00 Mil.

* 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.

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 $58.00 is trading 27.4% above its estimated GF Value™ of $45.51. GuruFocus considers First Farmers and Merchants to be Modestly Overvalued.

Key valuation signals for FFMH:

  • EV-to-FCF:
  • GF Value™: $45.51 vs. price of $58.00 (27.4% above fair value)
  • GF Score™: 64/100 with 5 warning signs

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

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$58.00
Price
$45.51
GF Value