FFMH (First Farmers and Merchants) Tariff Resilience Score: 8/10 (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 Tariff Resilience Score?

First Farmers and Merchants FFMH 64 Tariff Resilience Score is 8 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 1,607 Banks companies, First Farmers and Merchants ranks better than 78.72% on this metric.

First Farmers and Merchants has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

First Farmers and Merchants has Regional bank with a focus on local markets. Limited direct exposure to international trade tariffs, though indirect effects through agricultural clients are possible.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes First Farmers and Merchants might have Highly Resilient.

First Farmers and Merchants  (OTCPK:FFMH) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

First Farmers and Merchants Tariff Resilience Score Related Terms

FFMH vs PEBK, OPBK, CZWI: Tariff Resilience Score Comparison

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

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

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


FFMH
64GF Score
First Farmers and Merchants Corp FFMH
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
First Farmers and Merchants (FFMH) has a Tariff Resilience Score of 8 as of Jul. 01, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, First Farmers and Merchants ranks #342 out of 1607 companies in the Banks industry, placing it in the top 21.3%.
Is First Farmers and Merchants' Tariff Resilience Score too high?
First Farmers and Merchants' current Tariff Resilience Score is 8. Based on the distribution chart, First Farmers and Merchants ranks #342 out of 1607 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Tariff Resilience Score compare to PEBK and OPBK?
According to the Banks industry distribution chart, First Farmers and Merchants ranks #342 out of 1607 companies for Tariff Resilience Score. This places First Farmers and Merchants in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. First Farmers and Merchants's current Tariff Resilience Score is 8. 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 Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For First Farmers and Merchants (FFMH), the current Tariff Resilience Score is 8 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:

  • Tariff Resilience Score: 8
  • 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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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$57.75
Price
$45.43
GF Value