First Farmers and Merchants Corporation (FFMH)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 58 | 62 | 62 | 58 | 36 | 67 | 72 | - |
| Operating profit | $m | 23 | 26 | ||||||
| Net profit | $m | 14 | 16 | 18 | 16 | 16 | 19 | 21 | - |
| EPS reported | $ | 4.64 | 5.19 | ||||||
| Operating cashflow per share | $ | 5.06 | 0.00 | ||||||
| Capex per share | $ | 0.34 | 0.00 | ||||||
| FCF per share | $ | 4.72 | 0.00 | ||||||
| Free cash flow | $m | 19 | 0 | ||||||
| Net debt | $m | -102 | -49 | ||||||
| Book value equity | $m | 172 | 178 | ||||||
| Book value per share | $ | 42.71 | 44.88 | ||||||
| Number of shares | m | 4.02 | 3.96 | ||||||
| DPS (TTM paid) | $ | 1.10 | 1.19 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 10.56 | 13.03 | ||||||
| P/B LTM | x | 1.15 | 1.10 | ||||||
| P/S LTM | x | 2.93 | 2.74 | ||||||
| P/FCF LTM | x | 10.38 | 0.00 | ||||||
| EV/EBITDA LTM | x | 3.93 | 3.63 | ||||||
| EV/Sales LTM | x | 1.18 | 2.51 | ||||||
| Earnings Yield LTM | % | +9.47% | +7.67% | ||||||
| FCF Yield | % | +9.63% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +10.86% | +11.80% | ||||||
| ROIC | % | +1.04% | +1.09% | ||||||
| Operating margin | % | +28.04% | +29.29% | ||||||
| Gross margin | % | +82.87% | +83.80% | ||||||
| FCF/Sales | % | +23.28% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +19.28% | +33.42% | ||||||
| Sales Growth YoY | % | +86.36% | +99.11% | ||||||
| Net Income Growth YoY | % | +16.13% | +28.96% | ||||||
| FCF Growth | % | -38.52% | -100.00% | ||||||
| Operating Profit Growth | % | -2.48% | +9.47% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.25% | +1.97% | ||||||
| Dividend Growth | % | +46.67% | +58.67% | ||||||
| Payout Ratio | % | +23.75% | 0.00% | ||||||
| FCF/Debt | x | 9.73 | - | ||||||
| Net Debt/EBITDA | x | -4.11 | -1.06 | ||||||
| EBIT/Net interest | x | 1.60 | 1.82 | ||||||
| Net debt/market cap | % | +0.33% | 0.00% | ||||||
| Net debt/Equity | x | -0.59 | -0.27 | ||||||
| Gross debt/equity | x | 0.01 | 0.00 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
First Farmers and Merchants Corporation (FFMH) functions as the parent entity for First Farmers and Merchants Bank, delivering a comprehensive suite of banking and financial solutions to clients in Tennessee and Alabama. Its diverse array of deposit offerings encompasses personal and business checking and savings accounts, individual retirement accounts (IRAs), investment accounts, and certificates of deposit. On the lending side, FFMH extends various credit options, including residential mortgages, home equity lines of credit (HELOCs), personal, auto, and agricultural loans, alongside credit and debit card services. For businesses, its extensive loan programs cover commercial real estate, equipment financing and leasing, construction loans, accounts receivable funding, and general lines of credit. Beyond traditional banking, the corporation also provides sophisticated wealth management, including trust and investment advisory services. Furthermore, it delivers treasury management solutions—such as accounts receivable and payable processing, fraud mitigation, and advanced account oversight—complemented by convenient online and mobile banking platforms. Its physical presence extends to 22 branch locations across seven counties in Middle Tennessee. Established in 1909, the company maintains its headquarters in Columbia, Tennessee.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
First Farmers and Merchants Corporation (FFMH)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
First Farmers and Merchants Corporation (FFMH) functions as the parent entity for First Farmers and Merchants Bank, delivering a comprehensive suite of banking and financial solutions to clients in Tennessee and Alabama. Its diverse array of deposit offerings encompasses personal and business checking and savings accounts, individual retirement accounts (IRAs), investment accounts, and certificates of deposit. On the lending side, FFMH extends various credit options, including residential mortgages, home equity lines of credit (HELOCs), personal, auto, and agricultural loans, alongside credit and debit card services. For businesses, its extensive loan programs cover commercial real estate, equipment financing and leasing, construction loans, accounts receivable funding, and general lines of credit. Beyond traditional banking, the corporation also provides sophisticated wealth management, including trust and investment advisory services. Furthermore, it delivers treasury management solutions—such as accounts receivable and payable processing, fraud mitigation, and advanced account oversight—complemented by convenient online and mobile banking platforms. Its physical presence extends to 22 branch locations across seven counties in Middle Tennessee. Established in 1909, the company maintains its headquarters in Columbia, Tennessee.
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