OTC · Banks - Regional

Farmers & Merchants Bancorp (FMCB) Stock

$1360.00 +0.37% OTC: FMCB Financial Services

Farmers & Merchants Bancorp functions as the holding company for Farmers & Merchants Bank of Central California, offering a broad spectrum of banking and financial services to both business and individual customers. Its array of deposit products encompasses checking, savings, and money market accounts, along with time certificates of deposit and individual retirement accounts.

Valuation

MetricValue
Price$1360.00
Market Cap$941.51M
P/E Ratio9.86
P/B Ratio1.39
P/S Ratio3.05
EPS (TTM)$137.93
52-Week High$1402.50
52-Week Low$985.25
Dividend Yield1.57%

Financials & Margins

MetricValue
ROE14.76%
ROA1.62%
ROCE17.88%
Gross Margin78.99%
Operating Margin41.73%
Net Margin30.67%
Debt/Equity0.02
Current Ratio0.08

Annual Financials (USD)

Metric20212022202320242025
Revenue$184.0M$204.0M$266.0M$289.0M$303.0M
Operating Profit$88.0M$100.0M$117.0M$122.0M$129.0M
Net Profit$66.0M$75.0M$88.0M$88.0M$94.0M
EPS$84.01$96.55$116.61$121.02$133.96
Op Margin48.1%48.9%43.9%42.2%42.5%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$5.2B$5.3B$5.3B$5.4B$5.7B
Total Liabilities$4.7B$4.8B$4.8B$4.8B$5.0B
Cash$715.0M$588.0M$411.0M$213.0M$145.0M
Borrowings$10.0M$10.0M$10.0M$10.0M$10.0M

Latest News

Farmers & Merchants Bancorp (FMCB) Reports Record Quarterly Results GlobeNewswire · Jul 20, 2026 Farmers & Merchants Bancorp (FMCB) Announces New Board Member GlobeNewswire · Jun 11, 2026 Farmers & Merchants Bancorp (FMCB) Announces Increase in Quarterly Dividend GlobeNewswire · May 12, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$60.0M$102.0M$93.0M$104.0M$104.0M
Investing Cash Flow$-298.0M$-319.0M$-152.0M$-277.0M$-410.0M
Financing Cash Flow$580.0M$99.0M$-112.0M$-14.0M$244.0M
Net Cash Flow$332.0M$-127.0M$-178.0M$-198.0M$-68.0M
Free Cash Flow$58.0M$98.0M$88.0M$101.0M$97.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.83
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y38.60%
Return 3Y45.77%
Return 5Y66.86%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AAPLApple Inc. $313.33 +0.29% 37.72 $4.60T 0.34%
MSFTMicrosoft Corporation $499.99 +0.03% 22.95 $3.71T 0.94%
GOOGLAlphabet Inc. $354.30 -0.96% 27.68 $4.29T 0.23%
AMZNAmazon.com, Inc. $274.48 +0.82% 28.76 $2.95T 0.00%
METAMeta Platforms, Inc. $592.10 +0.37% 21.47 $1.51T 0.35%

About Farmers & Merchants Bancorp

Farmers & Merchants Bancorp functions as the holding company for Farmers & Merchants Bank of Central California, offering a broad spectrum of banking and financial services to both business and individual customers. Its array of deposit products encompasses checking, savings, and money market accounts, along with time certificates of deposit and individual retirement accounts. The institution's lending capabilities are extensive, covering commercial, residential, and construction real estate financing, agribusiness loans, and various consumer credit options. It also provides equipment leasing and credit card services. For corporate clients, specialized offerings include term loans, lines of credit, working capital financing, and letters of credit. Personal financing solutions extend to automobile loans, home improvement loans, and home equity lines of credit. Furthermore, the company delivers a suite of specialized services, such as credit card programs for merchants, secure lockbox and collection services, account reconciliation, investment sweep capabilities, online account access, and electronic funds transfers via domestic and international wire or automated clearinghouse (ACH). Comprehensive online banking facilities are also available. Investment opportunities, including mutual funds and annuities, are also provided. The company reaches its clientele through a network of 29 full-service branch locations and 3 stand-alone automated teller machines. This geographical footprint spans California's mid-Central Valley, specifically Sacramento, San Joaquin, Solano, Stanislaus, and Merced counties, as well as the eastern part of the San Francisco Bay Area, covering Napa, Alameda, and Contra Costa counties. Founded in 1916, Farmers & Merchants Bancorp maintains its principal office in Lodi, California.

Farmers & Merchants Bancorp is headquartered in US.

Farmers & Merchants Bancorp (FMCB) stock trades at $1360.00 with a market capitalization of $941.51M. The stock is valued at a price-to-earnings (P/E) ratio of 9.86, price-to-book of 1.39, price-to-sales of 3.05. Over the past 52 weeks the stock has ranged between $985.25 and $1402.50, and currently trades 3.0% below its 52-week high. It pays a dividend yielding 1.57%.

On profitability, Farmers & Merchants Bancorp generates a return on equity (ROE) of 14.76%, above the typical market average, return on capital employed of 17.88%, an operating margin of 41.73%, a net profit margin of 30.67%.

Official website: www.fmbonline.com

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