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First Farmers and Merchants Corporation (FFMH) Fair Value & Analysis

Financial Services · US · Market cap $229M

Price$57.75
Fair Value$61.13
Upside+5.9%
Quality95/100
Evidence: High Range $45.85 – $76.41

Fair value as of: Jun 26, 2026

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Analysis

First Farmers and Merchants Corporation (FFMH) currently trades at $57.75, while our model-based Fair Value estimate is $61.13 — implying the stock looks roughly 5.9% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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.

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Frequently asked questions

Is First Farmers and Merchants Corporation (FFMH) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $61.13 versus a price of $57.75 — about +6% (undervalued). Model-based estimate, not financial advice.
What is the fair value of FFMH?
Our 21-model fair value for First Farmers and Merchants Corporation is $61.13 (as of Jun 26, 2026), built from audited fundamentals. The current price is $57.75.
What is the quality score of FFMH?
First Farmers and Merchants Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.