* 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.
For the Banks - Regional subindustry, First Farmers and Merchants's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Farmers and Merchants's FCF Margin % distribution charts can be found below:
* The bar in red indicates where First Farmers and Merchants's FCF Margin % falls into.
* 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 (FFMH) has a FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Farmers and Merchants and its competitors. Over the past decade, First Farmers and Merchants' FCF Margin % has ranged from 21.66 to 45.61. According to the industry distribution chart, First Farmers and Merchants ranks #730 out of 1505 companies in the Banks industry, placing it in the top 48.5%.
Is First Farmers and Merchants' FCF Margin % too high?
First Farmers and Merchants' current FCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 21.66 to a high of 45.61. Based on the distribution chart, First Farmers and Merchants ranks #730 out of 1505 companies in the Banks industry, which is above 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' FCF Margin % compare to OVBC and FBLA?
According to the Banks industry distribution chart, First Farmers and Merchants ranks #730 out of 1505 companies for FCF Margin %. This puts First Farmers and Merchants in the upper half of its industry. The industry median FCF Margin % is 26.42. Historically, First Farmers and Merchants' own FCF Margin % has ranged from 21.66 to 45.61 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Farmers and Merchants and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Farmers and Merchants's current FCF Margin % is 0.00%. 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 $45.39, compared to a current price of $57.75 — trading 27.2% above its estimated fair value. The current FCF Margin % is 0.00%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For First Farmers and Merchants (FFMH), the current FCF Margin % is 0.00% 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 27.2% above its estimated GF Value™ of $45.39.
GuruFocus considers First Farmers and Merchants to be Modestly Overvalued.
Key valuation signals for FFMH:
FCF Margin %: 0.00%
GF Value™: $45.39 vs. price of $57.75 (27.2% above fair value)
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 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
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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