FFMH (First Farmers and Merchants) Moat Score: 3/10 (As of Jul. 01, 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 Moat Score?

First Farmers and Merchants FFMH 64 Moat Score is 3 as of Jul. 01, 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 1,611 Banks companies, First Farmers and Merchants ranks better than 74.49% on this metric.

First Farmers and Merchants has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

First Farmers and Merchants has No Moat: First Farmers and Merchants Corp operates in a competitive banking environment with limited differentiation. It lacks significant market share, strong brand strength, or unique cost advantages. The company does not exhibit substantial network effects or customer switching costs.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes First Farmers and Merchants might have No Moat - Very weak/transient advantages.

First Farmers and Merchants  (OTCPK:FFMH) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

First Farmers and Merchants Moat Score Related Terms

FFMH vs PEBK, OPBK, CZWI: Moat Score Comparison

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

For the Banks industry and Financial Services sector, First Farmers and Merchants's Moat Score distribution charts can be found below:

* The bar in red indicates where First Farmers and Merchants's Moat Score falls into.


FFMH
64GF Score
First Farmers and Merchants Corp FFMH
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
First Farmers and Merchants (FFMH) has a Moat Score of 3 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, First Farmers and Merchants ranks #411 out of 1611 companies in the Banks industry, placing it in the top 25.5%.
Is First Farmers and Merchants' Moat Score too high?
First Farmers and Merchants' current Moat Score is 3. Based on the distribution chart, First Farmers and Merchants ranks #411 out of 1611 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' Moat Score compare to PEBK and OPBK?
According to the Banks industry distribution chart, First Farmers and Merchants ranks #411 out of 1611 companies for Moat Score. This puts First Farmers and Merchants in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. First Farmers and Merchants's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For First Farmers and Merchants (FFMH), the current Moat Score is 3 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:

  • Moat Score: 3
  • GF Value™: $45.43 vs. price of $57.75 (27.1% 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

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$57.75
Price
$45.43
GF Value