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FFMH Dividend DRIP Calculator 2026
1.81% YieldFinancial ServicesFirst Farmers and Merchants Corporation · OTC
Price: $64.00 · Annual div: $1.16/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Annual dividend income growth
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🎯 When FFMH pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in FFMH → $406.1K in 10 years · $246.14/month
About First Farmers and Merchants Corporation (FFMH) — Dividend Analysis 2026
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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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 FFMH Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold FFMH.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 1.81% | -0.99% | $181 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.54% | -1.26% | $154 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.45% | -1.35% | $145 / yr |
| 🇬🇧 UK ISA | 0% | 1.81% | -0.99% | $181 / yr |
| 🇬🇧 UK Taxable | 8.75% | 1.65% | -1.15% | $165 / yr |
| 🇨🇦 TFSA | 0% | 1.81% | -0.99% | $181 / yr |
| 🇨🇦 CA Taxable | 25% | 1.36% | -1.44% | $136 / yr |
| 🇦🇺 Super (pension) | 15% | 1.54% | -1.26% | $154 / yr |
| 🇦🇺 AU Taxable | 30% | 1.27% | -1.53% | $127 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.33% | -1.47% | $133 / yr |
| 🇫🇷 FR Taxable | 30% | 1.27% | -1.53% | $127 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 FFMH Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.16/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 FFMH Dividend Payment Schedule
FFMH pays quarterly — 4 times per year. Next ex-div: TBD.
📊 FFMH vs Financial Services Benchmarks
How FFMH compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for FFMH sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ FFMH Insider Activity
No recent SEC filings reported in the last 90 days.Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the FFMH dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
First Farmers and Merchants Corporation (FFMH) is currently trading at $64.00, trading near its 52-week high. The current dividend yield is 1.81% based on an annual payout of $1.16 per share.
FFMH (First Farmers and Merchants Corporation) — 1.81% Dividend Yield Analysis
First Farmers and Merchants Corporation (FFMH) is a financial services stock currently trading at $64.00 with a dividend yield of 1.81%. The company pays an annual dividend of $1.16 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, FFMH has grown its dividend at a compound annual rate of 30.8%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.