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Farmers and Merchants Bank of Long Beach
(OTC:FMBL)
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Rating:69Neutral
Price Target:
$10,725.00
▲(11.14% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by solid but not peak-level financial performance: consistent cash generation and adequate capitalization are positives, offset by compressed margins, lower ROE, and earnings volatility versus 2021–2022. Technicals are supportive with a strong uptrend, though overbought signals temper the outlook. Valuation is reasonable (P/E ~12.5) but the dividend yield is modest.
Positive Factors
Consistent cash generation
FMBL shows persistently positive operating and free cash flow, with FCF tracking net income (~0.89x in 2025). Reliable cash generation supports dividend capacity, loan funding and reserves, and provides durable financial flexibility through economic cycles.
Negative Factors
Material margin compression
Net margin has fallen sharply from peak levels, implying weaker earnings leverage from the same asset base. Sustained margin pressure reduces incremental profitability on new loans and limits internal capital generation, constraining medium-term ROE recovery.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent cash generation
FMBL shows persistently positive operating and free cash flow, with FCF tracking net income (~0.89x in 2025). Reliable cash generation supports dividend capacity, loan funding and reserves, and provides durable financial flexibility through economic cycles.
Read all positive factors
Farmers and Merchants Bank of Long Beach (FMBL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.22B
Dividend Yield1.29%
Average Volume (3M)44.00
Price to Earnings (P/E)12.6
Beta (1Y)0.17
Revenue Growth8.92%
EPS Growth95.80%
CountryUS
Employees833
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)782.62
Shares Outstanding124,276
10 Day Avg. Volume55
30 Day Avg. Volume44
Financial Highlights & Ratios
PEG Ratio0.28
Price to Book (P/B)0.63
Price to Sales (P/S)2.27
P/FCF Ratio9.34
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Farmers and Merchants Bank of Long Beach Business Overview & Revenue Model
Company Description
Farmers & Merchants Bank of Long Beach operates as a financial institution, delivering a comprehensive suite of banking solutions to a diverse clientele, including individuals, professionals, and small to mid-sized businesses. Its core deposit pro...
How the Company Makes Money
FMBL primarily earns revenue through (1) net interest income and (2) noninterest income. Net interest income is generated by taking in customer deposits and other funding at one set of interest costs and deploying those funds into interest-earning...
Farmers and Merchants Bank of Long Beach Financial Statement Overview
Summary
Income Statement
68
Positive
Balance Sheet
61
Positive
Cash Flow
73
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 481.13M | 449.18M | 263.37M | 431.87M | 358.80M | 329.32M |
| Gross Profit | 338.26M | 293.19M | 263.37M | 283.12M | 324.07M | 317.09M |
| EBITDA | 127.28M | 101.75M | 58.94M | 91.13M | 144.04M | 153.50M |
| Net Income | 95.08M | 68.35M | 44.88M | 70.01M | 109.00M | 115.20M |
Balance Sheet | ||||||
| Total Assets | 11.77B | 11.80B | 11.69B | 12.04B | 12.05B | 11.44B |
| Cash, Cash Equivalents and Short-Term Investments | 89.96M | 1.42B | 1.05B | 703.21M | 176.84M | 1.32B |
| Total Debt | 1.32B | 1.18B | 500.00M | 1.91B | 1.49B | 916.67M |
| Total Liabilities | 10.13B | 10.19B | 10.32B | 10.68B | 10.74B | 10.20B |
| Stockholders Equity | 1.64B | 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 Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $1.39B | 9.28 | 17.32% | 3.03% | 0.58% | 15.28% | |
79 Outperform | $433.68M | 6.57 | 15.91% | 3.48% | -20.46% | -308.00% | |
75 Outperform | $921.50M | 10.42 | 11.20% | 3.47% | 4.08% | 38.09% | |
74 Outperform | $1.34B | 12.80 | 12.31% | 3.08% | -8.51% | -5.30% | |
74 Outperform | $686.74M | 11.47 | 10.44% | ― | -2.10% | 110.95% | |
69 Neutral | $1.22B | 12.58 | 3.81% | 1.30% | 8.92% | 95.80% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
FMBL
Farmers and Merchants Bank of Long Beach
9,845.00
3,527.15
55.83%
BMRC
Bank Of Marin Bancorp
26.73
3.14
13.29%
HAFC
Hanmi Financial
31.15
6.82
28.03%
PFBC
Preferred Bank
103.42
11.34
12.31%
WABC
Westamerica Bancorporation
58.23
9.95
20.61%
BCAL
California BanCorp
21.34
4.82
29.16%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.