FFMH (First Farmers and Merchants) OCF Margin %: 0.00% (As of Mar. 2026)


FFMH First Farmers and Merchants Corp FFMH
64 GF Score
Price $57.75
GF Value $45.39
Valuation Modestly Overvalued
! 5 Warning Signs
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What is First Farmers and Merchants OCF Margin %?

First Farmers and Merchants FFMH 64 OCF Margin % is 0.00% as of Mar. 2026. GuruFocus rates FFMH with a GF Score™ of 64/100 and a GF Value™ of $45.39 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,501 Banks companies, First Farmers and Merchants ranks worse than 50.43% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. First Farmers and Merchants's Cash Flow from Operations for the three months ended in Mar. 2026 was $0.00 Mil. First Farmers and Merchants's Revenue for the three months ended in Mar. 2026 was $18.09 Mil. Therefore, First Farmers and Merchants's OCF Margin % for the quarter that ended in Mar. 2026 was 0.00%.

As of today, First Farmers and Merchants's current OCF Yield % is 8.87%.

The historical rank and industry rank for First Farmers and Merchants's OCF Margin % or its related term are showing as below:

FFMH' s OCF Margin % Range Over the Past 10 Years
Min: 24.59   Med: 31.33   Max: 46.49
Current: 29.26

During the past 8 years, the highest OCF Margin % of First Farmers and Merchants was 46.49%. The lowest was 24.59%. And the median was 31.33%.

FFMH's OCF Margin % is ranked worse than
50.43% of 1501 companies
in the Banks industry
Industry Median: 29.44 vs FFMH: 29.26

First Farmers and Merchants OCF Margin % Related Terms

First Farmers and Merchants OCF Margin % Historical Data

* Premium members only.

The historical data trend for First Farmers and Merchants's OCF Margin % 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 OCF Margin % Chart

First Farmers and Merchants Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial 36.47 24.59 32.54 46.49 30.12

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
OCF Margin % 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 0.00 0.00

FFMH vs OVBC, FBLA, NKSH: OCF Margin % Comparison

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

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

* The bar in red indicates where First Farmers and Merchants's OCF Margin % falls into.


FFMH
64GF Score
First Farmers and Merchants Corp FFMH
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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First Farmers and Merchants OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

First Farmers and Merchants's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=20.279/67.338
=30.12 %

First Farmers and Merchants's OCF Margin for the quarter that ended in Mar. 2026 is calculated as

OCF Margin=Cash Flow from Operations (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=0/18.094
=0.00 %

* 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 OCF Margin % →
What does a OCF Margin % of 0.00% mean?
First Farmers and Merchants (FFMH) has a OCF Margin % of 0.00% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Farmers and Merchants and its competitors. Over the past decade, First Farmers and Merchants' OCF Margin % has ranged from 24.59 to 46.49. According to the industry distribution chart, First Farmers and Merchants ranks #757 out of 1501 companies in the Banks industry, placing it in the top 50.4%.
Is First Farmers and Merchants' OCF Margin % too high?
First Farmers and Merchants' current OCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 24.59 to a high of 46.49. Based on the distribution chart, First Farmers and Merchants ranks #757 out of 1501 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' OCF Margin % compare to OVBC and FBLA?
According to the Banks industry distribution chart, First Farmers and Merchants ranks #757 out of 1501 companies for OCF Margin %. This places First Farmers and Merchants in the lower half of its industry. The industry median OCF Margin % is 29.44. Historically, First Farmers and Merchants' own OCF Margin % has ranged from 24.59 to 46.49 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Farmers and Merchants and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Farmers and Merchants's current OCF 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 OCF 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For First Farmers and Merchants (FFMH), the current OCF 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:

  • OCF Margin %: 0.00%
  • GF Value™: $45.39 vs. price of $57.75 (27.2% 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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$57.75
Price
$45.39
GF Value