Farmers and Merchants Bank of Long Beach (FMBL) AI Stock Analysis

• Market Cap: $931.45M
• Dividend Yield: 1.65%
• Average Volume (3M): 48.00
• Price to Earnings (P/E): 18.9
• Beta (1Y): 0.21
• Revenue Growth: -6.27%
• EPS Growth: -1.18%
• Country: US
• Employees: 815
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 147.32
• Shares Outstanding: 124,276
• 10 Day Avg. Volume: 63
• 30 Day Avg. Volume: 48
• PEG Ratio: -0.45
• Price to Book (P/B): 0.52
• Price to Sales (P/S): 2.71
• P/FCF Ratio: 7.02
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 70 Outperform
• Price Target: $8,520.00 ▲(13.68% Upside)

Farmers and Merchants Bank of Long Beach demonstrates strong financial stability with a robust balance sheet and effective historical cash flow management. The technical indicators show a strong upward trend, but caution is advised due to overbought conditions. The valuation is fair, supported by a reasonable P/E ratio and a modest dividend yield. The absence of earnings call data and corporate events does not impact the score.

Farmers and Merchants Bank of Long Beach Business Overview & Revenue Model

Company Description

Farmers and Merchants Bank of Long Beach (FMBL) is a community bank headquartered in Long Beach, California, with a focus on providing personalized banking services to individuals, businesses, and non-profit organizations. Established in 1907, FMBL operates primarily in the financial services sector, offering a range of products including personal and business checking and savings accounts, loans, mortgages, and investment services. The bank emphasizes local community engagement and tailored financial solutions to meet the needs of its diverse clientele.

How the Company Makes Money

Farmers and Merchants Bank of Long Beach generates revenue primarily through the interest income earned from its loan portfolio, which includes personal loans, business loans, and mortgages. The bank also makes money from fees associated with its deposit accounts, transaction services, and other banking products. Additionally, FMBL earns non-interest income through its investment services and financial advisory offerings. The bank's strong relationship with the local community and businesses fosters a stable customer base, contributing to its earnings. Partnerships with local organizations and participation in community events also enhance its reputation and customer loyalty, further supporting its revenue streams.

Farmers and Merchants Bank of Long Beach Financial Statement Overview

Summary

Farmers and Merchants Bank of Long Beach showcases strong financial stability with a robust balance sheet and operational efficiency. The absence of debt and a solid equity ratio are positive indicators, although declining net profit margins and revenue growth signal underlying challenges. The lack of current cash flow data introduces some uncertainty, but historically, the company has managed cash flow effectively.

Income Statement

The company's gross profit margin has remained consistently strong due to its cost-efficient operations. However, the net profit margin has declined over the past year from 2023 to 2024, indicating some challenges in maintaining profitability. Revenue growth has been negative recently, signaling potential issues in revenue generation or market dynamics. The EBIT margin has remained relatively stable, reflecting operational efficiency, although the lack of EBITDA data for 2024 limits a full assessment of operational cash flow capacity.

Balance Sheet

Farmers and Merchants Bank of Long Beach has a very strong balance sheet with no total debt reported as of 2024, which indicates excellent financial stability. The equity ratio is robust, suggesting a healthy capital structure. Furthermore, the return on equity, while slightly decreased from previous years, remains satisfactory. The firm’s ability to manage its liabilities effectively is evident, contributing to its high balance sheet score.

Cash Flow

The absence of operating and free cash flow data for 2024 limits the ability to evaluate cash flow performance fully. However, historical data shows a stable free cash flow generation, although there has been a decrease in free cash flow growth rate recently. The cash flow ratios indicate efficient cash earnings conversion, but the lack of current data creates uncertainty about the firm's ongoing cash generation capabilities.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	393.31M	263.37M	431.87M	358.80M	329.32M	306.77M
Gross Profit	265.04M	263.37M	283.12M	324.07M	317.09M	271.38M
EBITDA	67.46M	58.94M	91.13M	144.04M	153.50M	105.63M
Net Income	49.03M	44.88M	70.01M	109.00M	115.20M	79.80M
Balance Sheet
Total Assets	11.40B	11.69B	12.04B	12.05B	11.44B	9.87B
Cash, Cash Equivalents and Short-Term Investments	1.28B	1.05B	703.21M	176.84M	1.45B	1.17B
Total Debt	1.26B	500.00M	1.00B	700.00M	922.68M	1.07B
Total Liabilities	10.01B	10.32B	10.68B	10.74B	10.20B	8.73B
Stockholders Equity	1.39B	1.37B	1.35B	1.31B	1.24B	1.14B
Cash Flow
Free Cash Flow	0.00	101.61M	91.48M	179.71M	172.49M	137.38M
Operating Cash Flow	0.00	107.50M	108.39M	190.88M	193.71M	142.78M
Investing Cash Flow	0.00	670.86M	437.31M	-1.78B	-1.36B	-1.44B
Financing Cash Flow	0.00	-353.48M	-65.09M	434.96M	1.45B	2.19B

Farmers and Merchants Bank of Long Beach Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 7495.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FMBL, the sentiment is Positive. The current price of 7495 is above the 20-day moving average (MA) of 7167.70, above the 50-day MA of 6731.87, and above the 200-day MA of 5891.88, indicating a bullish trend. The MACD of 164.37 indicates Negative momentum. The RSI at 83.41 is Negative, neither overbought nor oversold. The STOCH value of 75.94 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FMBL.

Farmers and Merchants Bank of Long Beach Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MCBS	75 Outperform	$672.41M	10.16	15.62%	3.55%	0.54%	11.11%
CAC	72 Outperform	$622.50M	11.66	8.47%	4.53%	22.21%	6.20%
IBCP	72 Outperform	$667.05M	10.49	14.39%	3.17%	3.17%	-1.53%
FMBL	70 Outperform	$931.45M	18.91	3.57%	1.65%	-6.27%	-1.18%
FCBC	68 Neutral	$604.03M	12.11	9.91%	9.97%	0.89%	-2.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
EQBK	66 Neutral	$786.79M	33.83	2.90%	1.55%	6.48%	8.32%