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Farmers & Merchants Bancorp (FMCB) Fair Value & Analysis

Financial Services · US · Market cap $907M

Price$1,310
Fair Value$1,758
Upside+34.2%
Quality95/100
Evidence: High Range $1,318 – $2,197

Fair value as of: Jun 25, 2026

Analysis

Farmers & Merchants Bancorp (FMCB) currently trades at $1,310, while our model-based Fair Value estimate is $1,758 — implying the stock looks roughly 34.2% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Farmers & Merchants Bancorp operates as the bank holding company for Farmers & Merchants Bank of Central California that provides various banking services to businesses and individuals in the United States. The company provides deposit products, including checking, savings, money market, time certificates of deposit, and individual retirement accounts. It also offers a range of lending products, such as commercial, commercial and residential real estate, real estate construction, agribusiness, and consumer loans, as well as equipment leases and credit card services; commercial products, including term loans, lines of credit and other working capital financing, and letters of credit; and financing products, such as automobile financing, home improvement, and home equity lines of credit. In addition, the company provides specialized services that include credit card programs for merchants, lockbox and other collection services, account reconciliation, investment sweep, online account …

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Frequently asked questions

Is Farmers & Merchants Bancorp (FMCB) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $1,758 versus a price of $1,310 — about +34% (undervalued). Model-based estimate, not financial advice.
What is the fair value of FMCB?
Our 21-model fair value for Farmers & Merchants Bancorp is $1,758 (as of Jun 25, 2026), built from audited fundamentals. The current price is $1,310.
What is the quality score of FMCB?
Farmers & Merchants Bancorp 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.