5 Undervalued Banks Stocks for Wednesday, May 13
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A+ Stock Grade Summary:
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COMPANY SUMMARY
First Farmers and Merchants Corporation operates as the bank holding company for First Farmers and Merchants Bank that provides a range of banking and financial services to individual and corporate customers in Middle Tennessee and Northern Alabama. The company offers checking and savings accounts, retirement accounts, and certificates of deposit. Its loan portfolio includes home and commercial mortgages; home equity, auto, personal, and farm loans; credit cards; equipment and construction lending; equipment leasing; lines of credit; and other loan products. The company also offers wealth management and trust and investment services; and treasury management solutions, which include accounts receivable and payable, fraud prevention, and account management solutions, as well as online and mobile banking services. The company was founded in 1909 and is based in Columbia, Tennessee.
Commentary & Analysis
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Financial Summary
| Share Statistics | FFMH | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $249.7 | $751.0 | 29% |
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| Shares Out (Mil) | 4.0 | 15.4 | 12% |
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| Institutional Ownership | na | 83.2% | na |
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| Float (Mil) | 4.0 | 21.8 | 10% |
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| Beta | 0.52 | 0.43 | 30% |
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| Avg Daily Volume (000s) | 1 | 42 | 4% |
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| Price Change (52-week) |
136.3% | 94.6% | 94% |
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| Growth | FFMH | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 3.5% | 7.7% | 29% |
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| Net Income (5yr) | 5.5% | 11.1% | 48% |
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| EPS (5yr) | 7.4% | 10.1% | 42 |
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| Dividends (5yr) | 5.9% | 3.6% | 81% |
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| Cash Flow (5yr) | (10.2%) | (17.1%) | 58% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | FFMH | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $67 | $196 | 23% |
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| Net Income (TTM) (Mil) | $19 | $55 | 49% |
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| EPS (TTM) | $4.645 | $2.600 | 85% |
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| Operating Cash Flow (TTM) (Mil) | $20 | $36 | 41% |
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| Net Cash Flow (TTM) (Mil) | na | $2 | na |
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| Long-Term Debt (Q1) (Mil) | $1 | $101 | 18% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | FFMH | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.46 | 1.25 | 37% |
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| P/E | 13.6 | 12.5 | 33% |
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| Dividend Yield | 1.8% | 2.2% | 74% |
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| PEG (5yr hist) | 1.8 | 1.1 | 66% |
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| Ratios | FFMH | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 28.9% | 29.1% | 87% |
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| ROA | 1.0% | 1.1% | 46% |
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| ROE | 11.3% | 11.3% | 61% |
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| Liabilities to Assets | 90.4% | 89.7% | 86% |
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| F-Score | 6 | 4 | 67% |
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First Farmers and Merchants Corporation did not pass any screens on 8/20/2026.
