Farmers & Merchants Bancshares (FMBN) Ratios

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Farmers & Merchants Bancshares Ratios

See a summary of FMBN’s cash flow.

Ratios	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	―	0.49	0.03	0.05	0.17
Quick Ratio	―	0.49	0.03	0.05	0.18
Cash Ratio	―	0.39	0.02	0.04	0.16
Solvency Ratio	―	<0.01	<0.01	<0.01	<0.01
Operating Cash Flow Ratio	―	0.14	<0.01	<0.01	0.01
Short-Term Operating Cash Flow Coverage	―	0.14	0.00	0.05	0.00
Net Current Asset Value	$ ―	$ -193.32M	$ -202.08M	$ -220.08M	$ -235.51M
Leverage Ratios
Debt-to-Assets Ratio	―	0.08	0.10	0.07	0.02
Debt-to-Equity Ratio	―	1.32	2.32	2.18K	0.71
Debt-to-Capital Ratio	―	0.57	0.70	1.00	0.41
Long-Term Debt-to-Capital Ratio	―	0.24	0.70	1.00	0.41
Financial Leverage Ratio	―	15.95	23.39	30.20K	44.00
Debt Service Coverage Ratio	―	0.09	0.41	0.02	1.15
Interest Coverage Ratio	―	0.71	0.31	-0.08	1.00
Debt to Market Cap	―	2.06	3.40	2.89	0.56
Interest Debt Per Share	―	70.61	88.30	71.18	18.93
Net Debt to EBITDA	―	7.30	13.25	47.73	-7.10
Profitability Margins
Gross Profit Margin	―	81.43%	100.00%	78.41%	0.07%
EBIT Margin	―	11.79%	9.52%	-1.72%	9.66%
EBITDA Margin	―	14.13%	14.16%	2.21%	13.07%
Operating Profit Margin	―	11.79%	9.75%	-1.72%	9.66%
Pretax Profit Margin	―	11.79%	9.52%	-1.72%	9.66%
Net Profit Margin	―	9.37%	8.05%	-0.74%	7.73%
Continuous Operations Profit Margin	―	9.37%	8.05%	-0.74%	7.73%
Net Income Per EBT	―	79.51%	84.49%	42.93%	80.09%
EBT Per EBIT	―	100.00%	97.68%	100.00%	100.00%
Return on Assets (ROA)	―	0.53%	0.34%	-0.04%	0.31%
Return on Equity (ROE)	―	8.38%	8.02%	-1057.25%	13.80%
Return on Capital Employed (ROCE)	―	0.71%	2.75%	-0.17%	0.59%
Return on Invested Capital (ROIC)	―	0.53%	2.32%	-0.06%	0.47%
Return on Tangible Assets	―	0.53%	0.34%	-0.04%	0.31%
Earnings Yield	―	13.12%	11.75%	-1.40%	10.98%
Efficiency Ratios
Receivables Turnover	―	9.06	7.74	9.33	10.71
Payables Turnover	―	31.88	38.11	0.79	160.21
Inventory Turnover	―	0.00	0.00	0.00	-10.56
Fixed Asset Turnover	―	3.62	2.69	0.00	2.97
Asset Turnover	―	0.06	0.04	0.05	0.04
Working Capital Turnover Ratio	―	-0.13	-0.06	-0.12	-0.17
Cash Conversion Cycle	―	28.84	37.55	-423.23	-2.79
Days of Sales Outstanding	―	40.28	47.13	39.12	34.07
Days of Inventory Outstanding	―	0.00	0.00	0.00	-34.58
Days of Payables Outstanding	―	11.45	9.58	462.35	2.28
Operating Cycle	―	40.28	47.13	39.12	-0.51
Cash Flow Ratios
Operating Cash Flow Per Share	―	6.66	4.36	2.53	4.37
Free Cash Flow Per Share	―	6.15	3.84	0.92	2.86
CapEx Per Share	―	0.51	0.52	1.61	1.51
Free Cash Flow to Operating Cash Flow	―	0.92	0.88	0.36	0.65
Dividend Paid and CapEx Coverage Ratio	―	4.43	2.90	0.97	1.75
Capital Expenditure Coverage Ratio	―	13.11	8.40	1.57	2.89
Operating Cash Flow Coverage Ratio	―	0.10	0.06	0.04	0.29
Operating Cash Flow to Sales Ratio	―	0.15	0.13	0.06	0.11
Free Cash Flow Yield	―	20.00%	16.78%	4.25%	10.59%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	―	7.63	8.51	-71.52	9.11
Price-to-Sales (P/S) Ratio	―	0.71	0.68	0.53	0.70
Price-to-Book (P/B) Ratio	―	0.64	0.68	756.19	1.26
Price-to-Free Cash Flow (P/FCF) Ratio	―	5.00	5.96	23.53	9.45
Price-to-Operating Cash Flow Ratio	―	4.62	5.25	8.54	6.18
Price-to-Earnings Growth (PEG) Ratio	―	0.15	>-0.01	0.65	-1.05
Price-to-Fair Value	―	0.64	0.68	756.19	1.26
Enterprise Value Multiple	―	12.36	18.08	71.60	-1.71
Enterprise Value	―	20.88M	23.67M	17.59M	-2.32M
EV to EBITDA	―	12.36	18.08	71.60	-1.71
EV to Sales	―	1.75	2.56	1.58	-0.22
EV to Free Cash Flow	―	12.22	22.29	70.57	-2.99
EV to Operating Cash Flow	―	11.29	19.64	25.61	-1.96
Tangible Book Value Per Share	―	48.13	33.53	28.56	21.47
Shareholders’ Equity Per Share	―	48.13	33.53	0.03	21.47
Tax and Other Ratios
Effective Tax Rate	―	0.20	0.16	0.57	0.20
Revenue Per Share	―	43.04	33.44	41.01	38.32
Net Income Per Share	―	4.03	2.69	-0.30	2.96
Tax Burden	―	0.80	0.84	0.43	0.80
Interest Burden	―	1.00	1.00	1.00	1.00
Research & Development to Revenue	―	0.00	0.00	0.00	0.00
SG&A to Revenue	―	0.01	0.02	0.00	0.00
Stock-Based Compensation to Revenue	―	0.00	0.00	0.00	0.00
Income Quality	―	1.65	1.62	-8.37K	1.47

Currency in USD