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Farmers & Merchants Bancshares, Inc (FMBN) Fair Value & Analysis

Financial Services · US · Market cap $145M

Price$44.00
Fair Value$4.42
Upside-90.0%
Quality95/100
Evidence: High Range $3.31 – $5.52

Fair value as of: Jun 26, 2026

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Analysis

Farmers & Merchants Bancshares, Inc (FMBN) currently trades at $44.00, while our model-based Fair Value estimate is $4.42 — implying the stock looks roughly 90.0% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Farmers & Merchants Bancshares, Inc. operates as a holding company for Farmers & Merchants Bank & Trust that provides various financial services in Lowa. The company provides checking, savings, and youth accounts; personal, mortgage, auto, boat, RV, business, operating, real estate, agriculture, farm machinery, livestock, and short-term loans; home equity and lines of credit; and debit and credit cards. It also provides wealth management services, such as trust, investment management, brokerage, financial planning, and rollover services. In addition, the company offers merchant, mobile deposit, payroll, notary, and automated clearing house services; and mobile and online banking, telephone banking, electronic statements, and bill pay services, as well as remote deposit capture services. The company was founded in 1916 and is based in Burlington, Iowa.

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Frequently asked questions

Is Farmers & Merchants Bancshares, Inc (FMBN) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $4.42 versus a price of $44.00 — about −90% (overvalued). Model-based estimate, not financial advice.
What is the fair value of FMBN?
Our 21-model fair value for Farmers & Merchants Bancshares, Inc is $4.42 (as of Jun 26, 2026), built from audited fundamentals. The current price is $44.00.
What is the quality score of FMBN?
Farmers & Merchants Bancshares, Inc 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.