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FFMH

First Farmers and Merchants Corporation

USD

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Price alert · FFMH

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65.00 USD +0.65 +1.01%
As of Oct 29, 2026
64.56 Day range 64.56
45.50 52-week range 65.00
YTD
+32.65%
1 year
+42.86%
Open
64.56
Prev close
64.35
Mkt cap
256.40M
Vol
100
Avg vol
318
EPS
5.37
P/E
12.10
More statistics
Low
64.56
High
64.56

5D chart

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Financial health

Altman Z-Score

-0.71 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 4
  • P/E 3
  • P/B 2

Valuation

P/E 10.5×
FY 2016: 12.9×FY 2017: 15.3×FY 2018: 12.8×FY 2019: 11.6×FY 2020: 9.8×FY 2021: 9.9×FY 2022: 6.2×FY 2023: 6.8×FY 2024: 9.1×FY 2025: 10.5×
FY 2016 5y median 9.1× FY 2025
P/S 2.4×
FY 2016: 2.6×FY 2017: 2.9×FY 2018: 3.0×FY 2019: 3.0×FY 2020: 2.3×FY 2021: 2.4×FY 2022: 1.7×FY 2023: 1.5×FY 2024: 2.5×FY 2025: 2.4×
FY 2016 5y median 2.4× FY 2025
P/B 1.1×
FY 2016: 1.1×FY 2017: 1.3×FY 2018: 1.4×FY 2019: 1.3×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 1.2×FY 2023: 0.9×FY 2024: 1.1×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/FCF 10.4×
FY 2016: 17.9×FY 2017: 21.8×FY 2018: 12.5×FY 2019: 18.5×FY 2020: 10.8×FY 2021: 7.3×FY 2022: 7.3×FY 2023: 6.4×FY 2024: 4.7×FY 2025: 10.4×
FY 2016 5y median 7.3× FY 2025
EV/EBITDA 3.9×
FY 2016: 8.9×FY 2017: 6.9×FY 2018: 10.1×FY 2019: 7.4×FY 2020: 0.3×FY 2021: 2.8×FY 2022: 4.5×FY 2023: 8.9×FY 2024: 4.7×FY 2025: 3.9×
FY 2016 5y median 4.5× FY 2025
EV/Sales 1.2×
FY 2016: 2.8×FY 2017: 2.5×FY 2018: 3.1×FY 2019: 2.6×FY 2020: 0.1×FY 2021: 0.9×FY 2022: 1.7×FY 2023: 2.5×FY 2024: 1.7×FY 2025: 1.2×
FY 2016 5y median 1.7× FY 2025
FCF Yield 9.6%
FY 2016: 5.6%FY 2017: 4.6%FY 2018: 8.0%FY 2019: 5.4%FY 2020: 9.2%FY 2021: 13.8%FY 2022: 13.6%FY 2023: 15.6%FY 2024: 21.2%FY 2025: 9.6%
FY 2016 5y median 13.8% FY 2025

Profitability

Gross Margin 82.9%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 93.0%FY 2019: 90.7%FY 2020: 93.9%FY 2021: 96.3%FY 2022: 95.0%FY 2023: 77.8%FY 2024: 100.0%FY 2025: 82.9%
FY 2016 5y median 95.0% FY 2025
Operating Margin 28.0%
FY 2016: 27.7%FY 2017: 29.0%FY 2018: 28.1%FY 2019: 31.5%FY 2020: 27.5%FY 2021: 29.7%FY 2022: 34.1%FY 2023: 26.3%FY 2024: 39.6%FY 2025: 28.0%
FY 2016 5y median 29.7% FY 2025
Net Margin 22.9%
FY 2016: 20.2%FY 2017: 19.1%FY 2018: 23.8%FY 2019: 26.0%FY 2020: 23.0%FY 2021: 24.3%FY 2022: 27.6%FY 2023: 21.7%FY 2024: 27.2%FY 2025: 22.9%
FY 2016 5y median 24.3% FY 2025
ROE 10.9%
FY 2016: 8.8%FY 2017: 8.4%FY 2018: 10.9%FY 2019: 11.1%FY 2020: 8.9%FY 2021: 9.9%FY 2022: 18.7%FY 2023: 12.9%FY 2024: 11.7%FY 2025: 10.9%
FY 2016 5y median 11.7% FY 2025
ROIC 1.0%
FY 2016: 1.0%FY 2017: 1.0%FY 2018: 1.3%FY 2019: 8.8%FY 2020: 8.3%FY 2021: 9.9%FY 2022: 14.8%FY 2023: 1.4%FY 2024: 11.9%FY 2025: 1.0%
FY 2016 5y median 9.9% FY 2025
ROA 1.0%
FY 2016: 0.8%FY 2017: 0.8%FY 2018: 1.0%FY 2019: 1.1%FY 2020: 0.8%FY 2021: 0.8%FY 2022: 0.9%FY 2023: 0.9%FY 2024: 0.9%FY 2025: 1.0%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 37.6%
FY 2016: 6.6%FY 2017: 6.6%FY 2018: 9.9%FY 2019: 3.3%FY 2020: 0.1%FY 2021: 4.1%FY 2022: 1.6%FY 2023: 13.1%FY 2024: -20.1%FY 2025: 37.6%
FY 2016 FY 2025
Operating Income -2.5%
FY 2016: -0.9%FY 2017: 11.4%FY 2018: 6.8%FY 2019: 15.5%FY 2020: -12.5%FY 2021: 12.5%FY 2022: 16.5%FY 2023: -12.6%FY 2024: 20.0%FY 2025: -2.5%
FY 2016 FY 2025
EPS (diluted) 19.3%
FY 2016: 4.2%FY 2017: 3.2%FY 2018: 38.4%FY 2019: 14.2%FY 2020: -10.2%FY 2021: 10.5%FY 2022: 16.7%FY 2023: -9.3%FY 2024: 2.4%FY 2025: 19.3%
FY 2016 FY 2025
Free Cash Flow -38.5%
FY 2016: -38.0%FY 2017: -1.9%FY 2018: 100.4%FY 2019: -30.9%FY 2020: 28.2%FY 2021: 64.1%FY 2022: -27.7%FY 2023: 11.8%FY 2024: 79.8%FY 2025: -38.5%
FY 2016 FY 2025

Financial Health

Current Ratio 157×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.1×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 157×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 157×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.1×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 157×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 0.0×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.3×FY 2023: 0.8×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA -4.1×
FY 2016: 0.6×FY 2017: -1.2×FY 2018: 0.2×FY 2019: -1.3×FY 2020: -7.1×FY 2021: -4.5×FY 2022: -0.2×FY 2023: 3.7×FY 2024: -2.2×FY 2025: -4.1×
FY 2016 5y median -2.2× FY 2025
Interest Coverage 1.6×
FY 2016: 152×FY 2017: 75.3×FY 2018: 4.0×FY 2019: 3.4×FY 2020: 4.5×FY 2021: 8.0×FY 2022: 6.9×FY 2023: 1.2×FY 2024: 1.0×FY 2025: 1.6×
FY 2016 5y median 1.6× FY 2025

Dividends

Dividend Yield 2.3%
FY 2016: 3.3%FY 2017: 2.2%FY 2018: 2.0%FY 2019: 2.0%FY 2020: 2.6%FY 2021: 2.4%FY 2022: 3.4%FY 2023: 3.6%FY 2024: 2.8%FY 2025: 2.3%
FY 2016 5y median 2.8% FY 2025
Payout Ratio 23.8%
FY 2016: 42.0%FY 2017: 33.8%FY 2018: 25.4%FY 2019: 23.3%FY 2020: 25.9%FY 2021: 23.5%FY 2022: 21.1%FY 2023: 24.8%FY 2024: 25.4%FY 2025: 23.8%
FY 2016 5y median 23.8% FY 2025

Annual · latest fiscal year ends 2025-12-31