First Farmers and Merchants has the GF Score of 64, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes First Farmers and Merchants
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
First Farmers and Merchants (OTCPK:FFMH) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
First Farmers and Merchants GF Score Related Terms
FFMH vs PEBK, OPBK, CZWI: GF Score Comparison
For the Banks - Regional subindustry, First Farmers and Merchants's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, First Farmers and Merchants's GF Score distribution charts can be found below:
* The bar in red indicates where First Farmers and Merchants's GF Score falls into.
First Farmers and Merchants (FFMH) has a GF Score of 64 as of Jul. 01, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on First Farmers and Merchants and its competitors. This is near median its historical median of 60.00. Over the past decade, First Farmers and Merchants' GF Score has ranged from 27.00 to 68.00.
Is First Farmers and Merchants' GF Score too high?
First Farmers and Merchants' current GF Score of 64 is near median its 10-year median of 60.00. Over the past 10 years, this metric has ranged from a low of 27.00 to a high of 68.00. 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' GF Score compare to PEBK and OPBK?
First Farmers and Merchants' GF Score of 64 can be compared against companies in the Banks industry. Historically, First Farmers and Merchants' own GF Score has ranged from 27.00 to 68.00 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 GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on First Farmers and Merchants and its competitors. First Farmers and Merchants's current GF Score is 64, which is near median its own 10-year median of 60.00. 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 $45.43, compared to a current price of $57.75 — trading 27.1% above its estimated fair value. The current GF Score is 64, which is near median its 10-year median of 60.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For First Farmers and Merchants (FFMH), the current GF Score is 64 as of Jul. 01, 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:
GF Score: 64 (near median its 10-year median of 60.00)
GF Value™: $45.43 vs. price of $57.75 (27.1% 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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