FFMH (First Farmers and Merchants) 1-Year Sharpe Ratio: 3.58 (As of Jul. 20, 2026)

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Director of Data and Quant Analytics at GuruFocus
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FFMH First Farmers and Merchants Corp FFMH
64 GF Score
Price $59.00
GF Value $45.55
Valuation Modestly Overvalued
! 5 Warning Signs
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What is First Farmers and Merchants 1-Year Sharpe Ratio?

First Farmers and Merchants FFMH +0.85% 64 1-Year Sharpe Ratio is 3.58 as of Jul. 20, 2026. GuruFocus rates FFMH with a GF Score™ of 64/100 and a GF Value™ of $45.55 (Modestly Overvalued). The stock has 5 warning signs investors should review.

The 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past year. As of today (2026-07-20), First Farmers and Merchants's 1-Year Sharpe Ratio is 3.58.

First Farmers and Merchants  (OTCPK:FFMH) 1-Year Sharpe Ratio Explanation

The 1-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past year. It is calculated as the annualized result of the average monthly excess return divided by its standard deviation over the past year. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.

The greater a portfolio's Sharpe Ratio, the better its risk-adjusted performance. A negative Sharpe Ratio means the risk-free rate is greater than the portfolio’s historical or projected return, or else the portfolio's return is expected to be negative.

First Farmers and Merchants 1-Year Sharpe Ratio Related Terms

FFMH vs PEBK, OPBK, CZWI: 1-Year Sharpe Ratio Comparison

For the Banks - Regional subindustry, First Farmers and Merchants's 1-Year Sharpe Ratio, along with its competitors' market caps and 1-Year Sharpe Ratio 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 1-Year Sharpe Ratio vs Banks Industry

For the Banks industry and Financial Services sector, First Farmers and Merchants's 1-Year Sharpe Ratio distribution charts can be found below:

* The bar in red indicates where First Farmers and Merchants's 1-Year Sharpe Ratio falls into.


FFMH
64GF Score
First Farmers and Merchants Corp FFMH
1-Year Sharpe Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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First Farmers and Merchants 1-Year Sharpe Ratio Calculation

The 1-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset. A stock / portfolio's 1-Year Sharpe Ratio can be calculated by dividing the difference between the one-year returns of the investment and the risk-free rate, by the standard deviation of the investment returns over one year.

Frequently Asked Questions Learn more about 1-Year Sharpe Ratio →
What does a 1-Year Sharpe Ratio of 3.58 mean?
First Farmers and Merchants (FFMH) has a 1-Year Sharpe Ratio of 3.58 as of Jul. 20, 2026. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for First Farmers and Merchants and its competitors.
Is First Farmers and Merchants' 1-Year Sharpe Ratio too high?
First Farmers and Merchants' current 1-Year Sharpe Ratio is 3.58. 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' 1-Year Sharpe Ratio compare to PEBK and OPBK?
First Farmers and Merchants' 1-Year Sharpe Ratio of 3.58 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 1-Year Sharpe Ratio for a Banks company?
A good 1-Year Sharpe Ratio depends on the Banks industry context. However, 1-Year Sharpe Ratio 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 1-Year Sharpe Ratio mean?
A high 1-Year Sharpe Ratio can signal that a stock is expensive relative to its fundamentals. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for First Farmers and Merchants and its competitors. First Farmers and Merchants's current 1-Year Sharpe Ratio is 3.58. 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 $45.55, compared to a current price of $59.00 — trading 29.5% above its estimated fair value. The current 1-Year Sharpe Ratio is 3.58. 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 1-Year Sharpe Ratio calculated?
1-Year Sharpe Ratio is calculated from a company's financial statements. For First Farmers and Merchants (FFMH), the current 1-Year Sharpe Ratio is 3.58 as of Jul. 20, 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 $59.00 is trading 29.5% above its estimated GF Value™ of $45.55. GuruFocus considers First Farmers and Merchants to be Modestly Overvalued.

Key valuation signals for FFMH:

  • 1-Year Sharpe Ratio: 3.58
  • GF Value™: $45.55 vs. price of $59.00 (29.5% 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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1-Year Sharpe Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$59.00
Price
$45.55
GF Value