FFMH (First Farmers and Merchants) Risk Assessment


FFMH First Farmers and Merchants Corp FFMH
64 GF Score
Price $57.71
GF Value $45.47
Valuation Modestly Overvalued
! 5 Warning Signs
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What is First Farmers and Merchants Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of First Farmers and Merchants is: High Risk: High uncertainty with risk-return tradeoff.

First Farmers and Merchants  (OTCPK:FFMH) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

First Farmers and Merchants Risk Assessment Related Terms

FFMH vs PEBK, OPBK, CZWI: Risk Assessment Comparison

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

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

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


FFMH
64GF Score
First Farmers and Merchants Corp FFMH
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
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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 $57.71 is trading 26.9% above its estimated GF Value™ of $45.47. GuruFocus considers First Farmers and Merchants to be Modestly Overvalued.

Key valuation signals for FFMH:

  • Risk Assessment:
  • GF Value™: $45.47 vs. price of $57.71 (26.9% 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

Get the complete analysis for FFMH

Risk Assessment is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$57.71
Price
$45.47
GF Value