First Farmers and MerchantsFFMH -0.50%64 5-Year Yield-on-Cost % is 2.67 as of Jul. 07, 2026, which is 26% below its 10-year median of 3.61. GuruFocus rates FFMH with a GF Score™ of 64/100 and a GF Value™ of $45.47 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,255 Banks companies, First Farmers and Merchants ranks worse than 71.16% on this metric.
The historical rank and industry rank for First Farmers and Merchants's 5-Year Yield-on-Cost % or its related term are showing as below:
FFMH'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.65 Med: 3.61 Max: 6.08
Current: 2.67
During the past 8 years, First Farmers and Merchants's highest Yield on Cost was 6.08. The lowest was 2.65. And the median was 3.61.
FFMH's 5-Year Yield-on-Cost % is ranked worse than 71.16% of 1255
companies
in the Banks industry
Industry Median: 3.9
vs FFMH: 2.67
First Farmers and Merchants (OTCPK:FFMH) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
First Farmers and Merchants 5-Year Yield-on-Cost % Related Terms
FFMH vs PEBK, OPBK, CZWI: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, First Farmers and Merchants's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, First Farmers and Merchants's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where First Farmers and Merchants's 5-Year Yield-on-Cost % falls into.
First Farmers and Merchants 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
First Farmers and Merchants (FFMH) has a 5-Year Yield-on-Cost % of 2.67 as of Jul. 07, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Farmers and Merchants and its competitors. This is 26% below median its historical median of 3.61. Over the past decade, First Farmers and Merchants' 5-Year Yield-on-Cost % has ranged from 2.65 to 6.08. According to the industry distribution chart, First Farmers and Merchants ranks #893 out of 1255 companies in the Banks industry, placing it in the top 71.2%.
Is First Farmers and Merchants' 5-Year Yield-on-Cost % too high?
First Farmers and Merchants' current 5-Year Yield-on-Cost % of 2.67 is 26% below median its 10-year median of 3.61. Over the past 10 years, this metric has ranged from a low of 2.65 to a high of 6.08. The Banks industry median 5-Year Yield-on-Cost % is 3.90. First Farmers and Merchants' value of 2.67 is 31.5% below this industry median. Based on the distribution chart, First Farmers and Merchants ranks #893 out of 1255 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' 5-Year Yield-on-Cost % compare to PEBK and OPBK?
According to the Banks industry distribution chart, First Farmers and Merchants ranks #893 out of 1255 companies for 5-Year Yield-on-Cost %. This places First Farmers and Merchants in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.90. First Farmers and Merchants' value of 2.67 is 31.5% below this benchmark. Historically, First Farmers and Merchants' own 5-Year Yield-on-Cost % has ranged from 2.65 to 6.08 over the past decade. While the company's 10-year median is 3.61 vs. the industry median of 3.90, First Farmers and Merchants has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.90, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Farmers and Merchants's current 5-Year Yield-on-Cost % of 2.67 is 31.5% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on First Farmers and Merchants and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Farmers and Merchants's current 5-Year Yield-on-Cost % is 2.67, which is 26% below median its own 10-year median of 3.61. 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 $45.47, compared to a current price of $57.71 — trading 26.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.67, which is 26% below median its 10-year median of 3.61 and 31.5% below the Banks industry median of 3.90. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For First Farmers and Merchants (FFMH), the current 5-Year Yield-on-Cost % is 2.67 as of Jul. 07, 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 $57.71 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:
5-Year Yield-on-Cost %: 2.67 (26% below median its 10-year median of 3.61)
GF Value™: $45.47 vs. price of $57.71 (26.9% above fair value)
Industry Position: 31.5% below the Banks median (#893 of 1255)
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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