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Data-driven stock valuation

Farmers And Merchants Bank of Long Beach (FMBL) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Farmers And Merchants Bank of Long Beach stock $8,543, price $9,840, that is 13.2% below the price, quality 61 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

FA Farmers And Merchants Bank of Long Beach logo Some data Nov 8, 2026

Farmers And Merchants Bank of Long Beach

FMBL · US
Solid, but expensive

Our calculation puts a fair price 13% below what the stock costs today.

Quality 61/100
Solidly profitable · 14.9% net margin (TTM)
0.3% dividend yield · Low payout
Mixed vs. peers (5/12)
Some data
Fair value $8,543 · Overvalued (−13.2%)
Weak Growth (revenue 5y +0.5 %/yr in USD)
Narrow moat 37/100 · thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$9,962 $4,009 Fair Value $8,543 Mar 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $4,009 – $9,962 · fair‑value band $6,407 – $10,679 · the $9,840 price screens above the $8,543 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

Farmers & Merchants Bank of Long Beach provides various banking products and services to individuals, professionals, and small to medium-sized businesses in the Los Angeles, Orange, and Santa Barbara Counties of the United States.

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It offers checking, savings, Christmas club savings, health savings, market rate savings, and money market accounts; demand and time deposits; certificates of deposit accounts; youth accounts; and individual retirement accounts.

The company also provides personal home, commercial real estate, real estate and construction, commercial business, equipment, and small business administration loans, as well as lines of credit, and loans secured by inventory and receivables; financing for residential loans comprising single-family and multifamily loans; and credit and debit cards.

In addition, it offers treasury management services comprising account management, receivables and payables, and risk management services; commercial and industrial lending services; and faith-based and healthcare banking services, as well as online and mobile banking services.

Further, the company provides digital banking services, such as cash management features, send money, automated clearing house, direct connect, credit score monitoring, and bank-by-text services.

Farmers & Merchants Bank of Long Beach was founded in 1907 and is headquartered in Long Beach, California.

Stock analysis

Farmers And Merchants Bank of Long Beach (FMBL) currently trades at $9,840, while our model-based Fair Value estimate is $8,543, 13% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of $9,679 per share, and 0 of the 6 models we run sit above the $9,840 price.

Bear case: the Dividend Discount group reads lowest at $1,642, and 6 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $6,407 (bear) to $10,679 (bull), the price of $9,840 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 61/100 (solid quality), in the Financial Services sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

Farmers And Merchants Bank of Long Beach reported revenue of $288M in FY2025 versus $317M in FY2021, a compound −2.3%/yr. Reported net income was $68.3M in FY2025, compounding −12.2%/yr from FY2021.

Key figures

Market cap $1.2B Small · P/E ratio 33.9 · P/S ratio 4.45 · EPS (TTM) $290.51 · Dividend yield 0.3% · Net margin 14.9% · Return on equity 2.9% · Return on assets (EBIT) 1.4% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 37 out of 100 (low confidence).

What moves the price

The share trades about 1% below its 52-week high and 28% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −13%, FMBL screens cheaper than that median.

Fair Value models

Bear $6,407 Fair Value $8,543 Bull $10,679
Price $9,840 · Downside -13.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($224.39 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $9,799 $9,679 $9,937 76
Gordon GGM $1,144 $1,686 $2,229 69
DDM Multi-Stage $1,144 $1,597 $2,082 67
All 6 models by family
Dividend Discount
Gordon GGM $1,144 $1,686 $2,229 69
DDM Multi-Stage $1,144 $1,597 $2,082 67
Multiples
P/E Multiple $5,511 $7,349 $9,186 63
P/B Multiple $7,303 $9,738 $12,172 55
Asset-Based
NCAV (Graham) $6,642 $8,901 $13,285 54
Economic Profit
Residual Income $9,799 $9,679 $9,937 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 61/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 30
How much profit the company makes from its sales and capital
Quality Growth 40
Are margins and returns getting better?
Cashflow 94
Do the profits arrive as real cash?
Financial strength 40
Debt, balance sheet and risk of trouble
Investment 84
Does it invest with discipline instead of growing at any price?
Low Volatility 100
How calm the share price moves, does not count
Price momentum 58
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 80
Distance to the 52-week high, does not count
New shares 87
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+12.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−4.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.5%
Start year 2020 (pandemic). Over 10 years: +2.9% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.1%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−2.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year−3.0%
Dividend (yield on the price)0.3%

FMBL screens overvalued: fair value 13% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 61 · Top 25%
Fair Value upside −13.2% · Above median
Profitability
Return on equity (12 months) 2.9% · Bottom 25%
Return on assets 0.6% · Bottom 25%
Net margin (12 months) 14.9% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −91.0% · Bottom 25%
Dividend yield (12 months) 0.3% · Bottom 25%
Balance sheet
Debt / equity 0.19× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 33.9× · Priciest 25%
P/B 0.75× · Cheapest 25%
P/S (12 months) 4.45× · Priciest 25%
Price / free cash flow (fiscal year) 11.0× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)16 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)12 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)6 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs FMBL
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs FMBL
BNP Paribas SA BNP €91.93 €106.01 +15% vs FMBL
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs FMBL
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs FMBL
UniCredit S.p.A UCG €76.80 €50.44 −34% vs FMBL
Mizuho Financial Group MFG $9.40 $5.90 −37% vs FMBL
DBS Group D05 69.72 SGD 40.39 SGD −42% vs FMBL
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs FMBL
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs FMBL

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Farmers And Merchants Bank of Long Beach: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Farmers And Merchants Bank of Long Beach Fair Value". https://www.fairvalue-calculator.com/stock/FMBL

Frequently asked questions

Is Farmers And Merchants Bank of Long Beach (FMBL) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $8,543 versus a price of $9,840, about 13% lower (overvalued).
What is the fair value of FMBL?
Our model-based fair value for Farmers And Merchants Bank of Long Beach is $8,543 (as of Nov 8, 2026), built from audited fundamentals. The current price: $9,840.
What is the quality score of FMBL?
Farmers And Merchants Bank of Long Beach has a Quality Score of 61/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Farmers And Merchants Bank of Long Beach (FMBL)?
Our model-based price target is the fair value of $8,543 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $6,407, optimistic scenario $10,679. It is a calculation from audited fundamentals, not an analyst target.
What is the Farmers And Merchants Bank of Long Beach stock forecast for 2026?
Our models put fair value at $8,543, about 13% lower versus a price of $9,840 (overvalued). Cautious scenario $6,407, optimistic scenario $10,679. The calculation is refreshed regularly with new filings.
What is the revenue of Farmers And Merchants Bank of Long Beach (FMBL)?
Farmers And Merchants Bank of Long Beach reported trailing-twelve-month revenue of about $269M (latest available figure, as of Nov 8, 2026).
Does Farmers And Merchants Bank of Long Beach pay a dividend?
Farmers And Merchants Bank of Long Beach currently shows a dividend yield of 0.28% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Farmers And Merchants Bank of Long Beach (FMBL) and when is the ex-dividend date?
Farmers And Merchants Bank of Long Beach pays a dividend of $28.00 per share a year, a dividend yield of 0.3%. The last ex-dividend date was Sep 14, 2026. A dividend has been paid every year since at least 2001. The payout ratio is 9.6% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Farmers And Merchants Bank of Long Beach (FMBL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Farmers And Merchants Bank of Long Beach it is $8,543 per share (as of Nov 8, 2026), against a price of $9,840. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Farmers And Merchants Bank of Long Beach stock overvalued or undervalued in 2026?
As of Nov 8, 2026, FMBL trades above its calculated fair value: price $9,840, fair value $8,543, a gap of about −13% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FMBL?
No. The price is what the market pays today ($9,840); the fair value is what the company's own numbers justify ($8,543). For Farmers And Merchants Bank of Long Beach the two are $1,297 per share apart. That gap is exactly why we show both numbers side by side.
How much is Farmers And Merchants Bank of Long Beach worth?
The market values Farmers And Merchants Bank of Long Beach at about $1.2B (market capitalisation, as of Nov 8, 2026). Per share that is $9,840; our models calculate a fair value of $8,543 per share.
What do the bullish and bearish scenarios say about FMBL?
Our models span a range for Farmers And Merchants Bank of Long Beach: cautious scenario $6,407, base $8,543, optimistic $10,679 per share (as of Nov 8, 2026, price $9,840). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FMBL?
Farmers And Merchants Bank of Long Beach trades at a price-to-earnings ratio of 33.9 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $8,543 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2017 to 2025), reported earnings: 11.8. Other multiples: P/B 0.8, P/S 4.4.
How solid is the balance sheet of Farmers And Merchants Bank of Long Beach (FMBL)?
Balance-sheet figures for Farmers And Merchants Bank of Long Beach (as of Nov 8, 2026): return on equity 2.9%, debt of 0.19 per unit of equity. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is FMBL from its 52-week high?
Farmers And Merchants Bank of Long Beach trades at $9,840, about 1% below its 52-week high of $9,962 and 28% above the low of $7,675 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $8,543 is for.
Which stocks are comparable to Farmers And Merchants Bank of Long Beach?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Farmers And Merchants Bank of Long Beach stock attractive at the current price?
The data as of Nov 8, 2026: price $9,840, calculated fair value $8,543 (−13%), Quality Score 61/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FMBL calculated?
We run Farmers And Merchants Bank of Long Beach through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $8,543 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Farmers And Merchants Bank of Long Beach itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Farmers And Merchants Bank of Long Beach (FMBL)?
The closing price on Nov 6, 2026 was $9,840. Our model-based fair value is $8,543, about 13% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Farmers And Merchants Bank of Long Beach right now?
Solid but not exceptional quality (61/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Farmers And Merchants Bank of Long Beach

How large is the market capitalisation of Farmers And Merchants Bank of Long Beach (FMBL)?
The market capitalisation of Farmers And Merchants Bank of Long Beach is $1.2B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Farmers And Merchants Bank of Long Beach (FMBL)?
The price-to-sales ratio of Farmers And Merchants Bank of Long Beach is 4.45 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Farmers And Merchants Bank of Long Beach (FMBL)?
Earnings per share at Farmers And Merchants Bank of Long Beach are $290.51 (price ÷ EPS = P/E 33.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Farmers And Merchants Bank of Long Beach (FMBL)?
The dividend yield of Farmers And Merchants Bank of Long Beach is 0.3% (payout 9.6%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Farmers And Merchants Bank of Long Beach (FMBL)?
The net margin of Farmers And Merchants Bank of Long Beach is 14.9% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Farmers And Merchants Bank of Long Beach (FMBL)?
The return on equity (ROE) of Farmers And Merchants Bank of Long Beach is 2.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Farmers And Merchants Bank of Long Beach (FMBL)?
On an EBIT basis the return on assets of Farmers And Merchants Bank of Long Beach is 1.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Farmers And Merchants Bank of Long Beach (FMBL)?
The operating margin of Farmers And Merchants Bank of Long Beach is −715% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Farmers And Merchants Bank of Long Beach (FMBL)?
Revenue at Farmers And Merchants Bank of Long Beach is growing −91.0% versus a year earlier (3y avg −4.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Farmers And Merchants Bank of Long Beach (FMBL)?
Earnings per share at Farmers And Merchants Bank of Long Beach are growing +127% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Farmers And Merchants Bank of Long Beach (FMBL) generate?
The free cash flow of Farmers And Merchants Bank of Long Beach is $109M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Farmers And Merchants Bank of Long Beach (FMBL) carry?
The net debt of Farmers And Merchants Bank of Long Beach is $377M (fiscal year 2023, ≈ 3.5 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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