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

• Market Cap: $1.03B
• Dividend Yield: 1.53%
• Average Volume (3M): 44.00
• Price to Earnings (P/E): 13.0
• Beta (1Y): 0.15
• Revenue Growth: -6.27%
• EPS Growth: -1.18%
• Country: US
• Employees: 815
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 124,276
• 10 Day Avg. Volume: 55
• 30 Day Avg. Volume: 44
• PEG Ratio: 0.28
• Price to Book (P/B): 0.63
• Price to Sales (P/S): 2.27
• P/FCF Ratio: 9.34
• Enterprise Value/Market Cap: 2.13
• Enterprise Value/Revenue: 5.59
• Enterprise Value/Gross Profit: 8.29
• Enterprise Value/Ebitda: 32.57
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 64 Neutral
• Price Target: $8,871.00 ▲(6.88% Upside)
• Action: Downgraded Date: 04/07/26
• Date: Action: Downgraded 04/07/26

The score is primarily supported by solid, consistently positive cash generation and moderate valuation, but is held back by weaker profitability versus prior peak years (lower margins and ROE). Technical indicators add additional drag due to negative MACD, sub-40 RSI, and the price sitting below key short-term moving averages.

Positive Factors

Consistent cash generation

Consistently positive operating and free cash flow, with FCF tracking net income (~0.89x in 2025), supports durable earnings quality. This cash convertibility underpins dividend capacity, provisioning ability and organic reinvestment without relying on unstable external funding.

Negative Factors

Compressed margins and low ROE

Material margin compression and substantially lower ROE indicate reduced profitability versus prior peaks. Sustained lower margins and returns constrain capital accumulation and investor returns, forcing reliance on improved margins or asset growth to restore long-term profitability.

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

Company Description

Farmers & Merchants Bank of Long Beach provides various banking products and services to individuals, professionals, and small to medium-sized businesses. It offers checking, savings, Christmas club savings, health savings, money market, and inves...

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Farmers & Merchants Bank of Long Beach provides various banking products and services to individuals, professionals, and small to medium-sized businesses. It offers checking, savings, Christmas club savings, health savings, money market, and inves...

How the Company Makes Money

FMBL primarily makes money through (1) net interest income and (2) non-interest income. 1) Net interest income (core driver): - The bank gathers funding largely through customer deposits (e.g., non-interest-bearing demand deposits, interest-beari...

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FMBL primarily makes money through (1) net interest income and (2) non-interest income. 1) Net interest income (core driver): - The bank gathers funding largely through customer deposits (e.g., non-interest-bearing demand deposits, interest-beari...

Farmers and Merchants Bank of Long Beach Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	393.32M	449.18M	263.37M	431.87M	358.80M	329.32M
Gross Profit	265.04M	293.19M	263.37M	283.12M	324.07M	317.09M
EBITDA	67.46M	92.51M	58.94M	91.13M	144.04M	153.50M
Net Income	49.03M	68.35M	44.88M	70.01M	109.00M	115.20M
Balance Sheet
Total Assets	11.40B	11.80B	11.69B	12.04B	12.05B	11.44B
Cash, Cash Equivalents and Short-Term Investments	1.28B	0.00	1.05B	703.21M	176.84M	1.32B
Total Debt	1.26B	1.18B	500.00M	1.91B	1.49B	916.67M
Total Liabilities	10.01B	10.19B	10.32B	10.68B	10.74B	10.20B
Stockholders Equity	1.39B	1.61B	1.37B	1.35B	1.31B	1.24B
Cash Flow
Free Cash Flow	0.00	109.11M	101.61M	91.48M	179.71M	172.49M
Operating Cash Flow	0.00	121.92M	107.50M	108.39M	190.88M	193.71M
Investing Cash Flow	0.00	200.05M	670.86M	437.31M	-1.78B	-1.36B
Financing Cash Flow	0.00	39.24M	-353.48M	-65.09M	434.96M	1.45B

Farmers and Merchants Bank of Long Beach Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 8300.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• 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 8300 is above the 20-day moving average (MA) of 8294.08, below the 50-day MA of 8355.27, and above the 200-day MA of 7381.89, indicating a neutral trend. The MACD of -12.25 indicates Negative momentum. The RSI at 46.14 is Neutral, neither overbought nor oversold. The STOCH value of 66.67 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
FCBC	82 Outperform	$822.13M	12.66	9.71%	9.26%	-0.40%	-1.43%
MCBS	71 Outperform	$895.44M	10.05	14.82%	3.55%	-0.23%	10.95%
IBCP	70 Outperform	$713.80M	9.04	14.20%	3.09%	4.29%	10.56%
CAC	69 Neutral	$860.15M	8.09	9.49%	3.66%	24.08%	9.83%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FMBL	64 Neutral	$1.03B	13.05	3.81%	1.53%	-6.27%	-1.18%
EQBK	56 Neutral	$976.34M	37.40	3.37%	1.34%	6.45%	8.32%