OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
First Farmers and Merchants OCF Yield % Explanation
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
First Farmers and Merchants OCF Yield % Related Terms
First Farmers and Merchants OCF Yield % Historical Data
* 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 OCF Yield %, along with its competitors' market caps and OCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, First Farmers and Merchants's OCF Yield % distribution charts can be found below:
* The bar in red indicates where First Farmers and Merchants's OCF Yield % 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 OCF Yield % of 8.87 as of Jun. 25, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on First Farmers and Merchants and its competitors. Over the past decade, First Farmers and Merchants' OCF Yield % has ranged from 8.87 to 8.87. According to the industry distribution chart, First Farmers and Merchants ranks #784 out of 1501 companies in the Banks industry, placing it in the top 52.2%.
Is First Farmers and Merchants' OCF Yield % too high?
First Farmers and Merchants' current OCF Yield % is 8.87. Over the past 10 years, this metric has ranged from a low of 8.87 to a high of 8.87. The Banks industry median OCF Yield % is 9.25. First Farmers and Merchants' value of 8.87 is 4.1% below this industry median. Based on the distribution chart, First Farmers and Merchants ranks #784 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 Yield % compare to OVBC and FBLA?
According to the Banks industry distribution chart, First Farmers and Merchants ranks #784 out of 1501 companies for OCF Yield %. This places First Farmers and Merchants in the lower half of its industry. The industry median OCF Yield % is 9.25. First Farmers and Merchants' value of 8.87 is 4.1% below this benchmark. Historically, First Farmers and Merchants' own OCF Yield % has ranged from 8.87 to 8.87 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 Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.25, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Farmers and Merchants's current OCF Yield % of 8.87 is 4.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on First Farmers and Merchants and its competitors. For the Banks industry, the median OCF Yield % is 9.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Farmers and Merchants's current OCF Yield % is 8.87. 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 Yield % is 8.87 and 4.1% below the Banks industry median of 9.25. 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 Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For First Farmers and Merchants (FFMH), the current OCF Yield % is 8.87 as of Jun. 25, 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 Yield %: 8.87
GF Value™: $45.39 vs. price of $57.75 (27.2% above fair value)
Industry Position: 4.1% below the Banks median (#784 of 1501)
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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OCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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