First Farmers & Merchants Corp. Financial Ratios — FFMH

Profitability (USD)

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	9.33	9.81	14.15	14.54	12.25	12.05
Return on Assets (%)	- -	- -	0.89	0.83	0.92	0.84	0.88	1.05
Return on Capital (%)	- -	- -	9.15	9.79	12.87	9.16	8.76	12.03
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	30.26	34.7	29.31	30.87	35.86	33.83	33.14	33.84
Profit Margin (%)	25.56	28.69	24.48	25.22	29.05	27.89	27.3	27.65
Net Income to Common Margin (%)	25.56	28.69	24.48	25.22	29.05	27.89	27.3	27.65
Effective Tax Rate (%)	15.43	17.24	16.39	18.24	18.92	17.48	17.55	18.22
Dvd Payout Ratio (%)	25.19	23.15	25.77	23.34	20.93	24.74	25.39	23.64
Sustainable Growth Rate (%)	- -	- -	6.93	7.52	11.19	10.95	9.14	9.2

Credit (USD)

Credit Ratios API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	6	- -	- -	25	104	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	6	- -	- -	25	104	- -	- -
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	10.28	8.87	8.04	4.97	6.63	7.79	9.59
Long-Term Debt/Equity (%)	- -	3.81	- -	- -	25.86	83.71	- -	- -
Long-Term Debt/Capital (%)	- -	3.67	- -	- -	20.55	45.57	- -	- -
Long-Term Debt/Total Assets (%)	- -	0.39	- -	- -	1.29	5.56	- -	- -
Total Debt/Equity (%)	- -	3.81	- -	- -	25.86	83.71	- -	- -
Total Debt/Capital (%)	- -	3.67	- -	- -	20.55	45.57	- -	- -
Total Debt/Total Assets (%)	- -	0.39	- -	- -	1.29	5.56	- -	- -
Net Debt to Equity	- -	-23.08	-84.13	-59.8	-29.95	-20.4	-33.8	-59.65
Net Debt/Capital (%)	- -	-28.59	-529.95	-148.74	-31.22	-12.49	-51.05	-147.86
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	10.28	8.87	8.04	4.97	6.63	7.79	9.59
Long-Term Debt/Equity (%)	- -	3.81	- -	- -	25.86	83.71	- -	- -
Long-Term Debt/Capital (%)	- -	3.67	- -	- -	20.55	45.57	- -	- -
Long-Term Debt/Total Assets (%)	- -	0.39	- -	- -	1.29	5.56	- -	- -
Total Debt/Equity (%)	- -	3.81	- -	- -	25.86	83.71	- -	- -
Total Debt/Capital (%)	- -	3.67	- -	- -	20.55	45.57	- -	- -
Total Debt/Total Assets (%)	- -	0.39	- -	- -	1.29	5.56	- -	- -
CFO/Total Liabilities	- -	1.11	0.87	1.25	0.83	1.07	1.68	1.25
CFO/CapEx	4.36	7.72	13.39	34.02	13.74	29.96	52.92	14.9
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	181	184	140	153	106	109	142	195
- Cash & Cash Equivalents	- -	33	135	95	29	25	47	102
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	6	- -	- -	25	104	- -	- -
Enterprise Value	181	156	5	58	102	187	96	92
Total Capital	- -	150	160	159	122	228	138	172
Total Debt/Capital (%)	- -	3.67	- -	- -	20.55	45.57	- -	- -
Total Debt / EV	- -	0.04	- -	- -	0.24	0.56	- -	- -
EV/Sales	3.25	2.79	0.09	0.94	1.65	3.25	1.63	1.37
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	9.55	11.22	0.35	2.57	6.7	10	3.51	4.56
EV/Free Cash Flow to Firm	12.39	12.89	0.38	2.65	7.23	10.35	3.58	4.88
Diluted Market Cap	182	186	140	154	112	110	145	197
Diluted Enterprise Value	182	158	5	59	109	189	99	95
EV per Share	40.55	35.67	1.15	13.47	25.15	44.87	23.76	23.25
TTM Sales	56	56	58	62	62	58	59	67
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	19	14	14	23	15	19	27	20
TTM Free Cash Flow to Firm	15	12	13	22	14	18	27	19

Multiples (USD)

Valuation Multiples API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	12.46	15.35	10.54	7.02	7.93	6.07	5.42	10.4
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	181	156	5	58	102	187	96	92
Low Price	39	40.6	26	32	25.4	19	25.5	34.25
EV/Sales	3.25	2.79	0.09	0.94	1.65	3.25	1.63	1.37
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	12.79	11.59	9.84	9.85	6.23	6.85	9.03	10.55
Price/Earnings Average	13.32	11.81	9.82	9.5	7.13	6.78	8.09	9.07
Price/Earnings High	14.7	12.39	12.87	10.29	8.62	8.11	9.23	10.55
Price/Earnings Low	12.3	11.2	7.99	8.9	6.06	5.01	6.54	7.37
Price/Book Value	- -	1.27	0.87	0.96	1.1	0.87	1.03	1.13
Price/Book Value Average	- -	1.3	0.87	0.93	1.26	0.86	0.93	0.98
Price/Book Value High	- -	1.36	1.14	1.01	1.52	1.04	1.06	1.13
Price/Book Value Low	- -	1.23	0.71	0.87	1.07	0.64	0.75	0.79
Price/Tangible Book Value	- -	1.36	0.92	1.02	1.21	0.94	1.11	1.2
Price/Tangible Book Value Average	- -	1.39	0.92	0.99	1.39	0.93	0.99	1.03
Price/Tangible Book Value High	- -	1.45	1.21	1.07	1.68	1.12	1.13	1.2
Price/Tangible Book Value Low	- -	1.31	0.75	0.92	1.18	0.69	0.8	0.84
Price/Sales	3.27	3.33	2.41	2.49	1.81	1.91	2.47	2.92
Price/Sales Average	3.4	3.39	2.4	2.4	2.07	1.89	2.21	2.51
Price/Sales High	3.76	3.55	3.15	2.6	2.5	2.26	2.52	2.92
Price/Sales Low	3.14	3.21	1.96	2.25	1.76	1.4	1.78	2.04
Price/Cash Flow	9.6	13.36	9.75	6.81	7.36	5.87	5.31	9.69
Price/Cash Flow Average	10	13.62	9.73	6.57	8.42	5.81	4.75	8.33
Price/Cash Flow High	11.04	14.28	12.76	7.12	10.18	6.95	5.42	9.69
Price/Cash Flow Low	9.24	12.92	7.93	6.16	7.16	4.29	3.84	6.77
Price/Free Cash Flow Average	12.97	15.65	10.52	6.77	9.08	6.01	4.86	8.94
Price/Free Cash Flow High	14.32	16.41	13.79	7.33	10.98	7.19	5.54	10.4
Price/Free Cash Flow Low	11.98	14.84	8.57	6.34	7.72	4.44	3.92	7.27
EV/Sales Average	3.38	2.86	0.08	0.85	1.9	3.23	1.38	0.97
EV/Sales High	3.73	3.02	0.83	1.05	2.31	3.6	1.69	1.37
EV/Sales Low	3.13	2.68	- -	0.7	1.6	2.75	0.96	0.5
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	40.55	42	32	35.42	26.1	26	35.25	49
High Price	46.6	44.9	41.85	37	36.13	30.79	36	49
Enterprise Value Average	188	160	5	53	118	186	81	65
Enterprise Value High	207	169	48	65	143	207	99	92
Enterprise Value Low	174	150	-21	43	100	158	57	34

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	4	4	4	4	4	4	4	4
Diluted Weighted Avg Shares	4	4	4	4	4	4	4	4
Basic Weighted Avg Shares	4	4	4	4	4	4	4	4
Revenue per Share	12.4	12.63	13.29	14.25	14.43	13.61	14.29	16.8
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	3.17	3.62	3.25	3.59	4.19	3.8	3.9	4.65
Basic EPS from Cont Ops	3.17	3.63	3.26	3.6	4.2	3.8	3.91	4.65
Diluted EPS, GAAP	3.17	3.62	3.25	3.59	4.19	3.8	3.89	4.64
Diluted EPS from Cont Ops	3.17	3.63	3.26	3.6	4.2	3.8	3.89	4.64
Dividend per Share	0.8	0.84	0.84	0.84	0.88	0.94	0.99	1.1
Cash Flow per Share	4.22	3.14	3.28	5.2	3.55	4.43	6.64	5.06
Free Cash Flow per Basic Share	3.25	2.74	3.04	5.05	3.29	4.28	6.52	4.72
Cash & Equivalents per Share	- -	7.61	30.87	21.97	7.11	6.07	11.52	25.77
Book Value per Share	- -	32.94	36.68	36.72	23.72	29.74	34.06	43.17
Tangible Book Value per Share	- -	30.89	34.61	34.63	21.5	27.58	31.83	40.9