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

14 Followers

Farmers and Merchants Bank of Long Beach

(Other OTC:FMBL)

Select Model

Rating:52Neutral

Price Target:$9,938.00▲(1.00% Upside)

Action:reiterated

Date:11/07/26

The overall score is constrained by significant profitability challenges, including margin compression and a very low return on equity, which are the most impactful factors. A high P/E ratio further weighs on the valuation. These negatives are partially offset by stable revenue growth, strong cash flow conversion, and a bullish long-term technical trend.

Positive Factors

Cash GenerationConsistently positive operating and free cash flow, with 2025 free cash flow near net income, supports earnings quality and internal funding. This gives the bank flexibility to maintain lending, invest in services, and manage normal operating volatility over coming quarters.

Negative Factors

Margin CompressionThe substantial decline in net margin shows that revenue is converting into profit less efficiently than during the bank's prior peak period. Persistently lower margins can limit earnings growth, reduce flexibility for investment, and make results more sensitive to cost pressure.

Farmers and Merchants Bank of Long Beach (FMBL) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $1.18B
Dividend Yield: 1.29%
Average Volume (3M): 56
Price to Earnings (P/E): 29.8
Beta (1Y): 0.16
Revenue Growth: -5.85%
EPS Growth: -23.68%
Country: US
Employees: 833
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 produc...

Farmers and Merchants Bank of Long Beach Financial Statement Overview

Summary

Revenue growth is positive, but declining net profit margins to 15.2% and a low return on equity of 4.3% indicate significant profitability and efficiency pressures. Healthy cash flow generation provides some stability.

Income Statement

52Neutral

Balance Sheet

48Neutral

Cash Flow

55Neutral

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	411.56M	449.18M	263.37M	431.87M	358.80M	329.32M
Gross Profit	269.48M	293.19M	263.37M	283.12M	324.07M	317.09M
EBITDA	52.66M	101.75M	58.94M	91.13M	144.04M	153.50M
Net Income	40.16M	68.35M	44.88M	70.01M	109.00M	115.20M
Balance Sheet
Total Assets	11.30B	11.80B	11.69B	12.04B	12.05B	11.44B
Cash, Cash Equivalents and Short-Term Investments	73.27M	1.42B	1.05B	703.21M	176.84M	1.32B
Total Debt	979.23M	1.18B	500.00M	1.91B	1.49B	916.67M
Total Liabilities	9.93B	10.19B	10.32B	10.68B	10.74B	10.20B
Stockholders Equity	1.37B	1.61B	1.37B	1.35B	1.31B	1.24B
Cash Flow
Free Cash Flow	0	109.11M	101.61M	91.48M	179.71M	172.49M
Operating Cash Flow	0	121.92M	107.50M	108.39M	190.88M	193.71M
Investing Cash Flow	0	200.05M	670.86M	437.31M	-1.78B	-1.36B
Financing Cash Flow	0	39.24M	-353.48M	-65.09M	434.96M	1.45B

Farmers and Merchants Bank of Long Beach Technical Analysis

Technical Analysis SentimentPositive

Last Price9840.00

Price Trends

50DMA9826.84Positive

100DMA9658.08Positive

200DMA9014.81Positive

Market Momentum

MACD11.86Positive

RSI53.99Neutral

STOCH59.60Neutral

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 9840.00 is above the 20-day moving average (MA) of 9814.67, above the 50-day MA of 9826.84, and above the 200-day MA of 9014.81, indicating a bullish trend. The MACD of 11.86 indicates Positive momentum. The RSI at 53.99 is Neutral, neither overbought nor oversold. The STOCH value of 59.60 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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

FMBL against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BMRC	85Outperform	$461.93M	6.74	17.18%	3.51%	-18.89%	-221.07%
PFBC	83Outperform	$1.22B	9.38	16.84%	3.09%	-0.13%	9.53%
WABC	76Outperform	$1.38B	12.81	12.80%	3.19%	-4.35%	1.06%
HAFC	75Outperform	$960.37M	10.64	11.30%	3.44%	2.99%	27.02%
BCAL	72Outperform	$700.29M	12.07	10.08%	1.90%	-4.47%	-7.41%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FMBL	52Neutral	$1.22B	29.83	2.58%	1.29%	-5.85%	-23.68%

* Financial Sector Average

Performance Comparison

FMBL and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
FMBL	Farmers and Merchants Bank of Long Beach	9840.00	2115.55	27.39%
BMRC	Bank Of Marin	28.52	3.43	13.65%
HAFC	Hanmi Financial	32.54	6.49	24.89%
PFBC	Preferred Bank	103.47	15.11	17.10%
WABC	Westamerica Bancorp	59.64	13.26	28.58%
BCAL	California Bancorp	22.05	3.42	18.34%

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.

Date of analysis: Nov 07, 2026

Farmers and Merchants Bank of Long Beach AI Stock Analysis