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Farmers & Merchants Bancorp operates as the bank holding company for Farmers & Merchants Bank of Central California that provides various banking services to businesses and individuals in the United States. The company provides deposit products, including checking, savings, money market, time certificates of deposit, and individual retirement accounts. It also offers a range of lending products, such as commercial, commercial and residential real estate, real estate construction, agribusiness, and consumer loans, as well as equipment leases and credit card services; commercial products, including term loans, lines of credit and other working capital financing, and letters of credit; and financing products, such as automobile financing, home improvement, and home equity lines of credit. In addition, the company provides specialized services that include credit card programs for merchants, lockbox and other collection services, account reconciliation, investment sweep, online account access, and electronic funds transfers through domestic and international wire and automated clearinghouse; online banking services; and investment products, such as mutual funds and annuities. Farmers & Merchants Bancorp was founded in 1916 and is headquartered in Lodi, California.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Farmers & Merchants Bancorp operates a community banking franchise offering deposit, lending and related services and is quoted on OTCQX (FMCB.US). Long-term growth may be driven by loan growth, net interest margin expansion and stable local deposits that could support fee income, making the bank's locally focused franchise and interest-rate sensitivity points investors may monitor.
Material risks include loan portfolio concentration and potential credit losses from regional economic weakness, interest-rate volatility affecting margins, regulatory and compliance burdens, and competitive pressure from larger banks and fintech.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 128.78M | 122.24M | 116.55M | 99.74M | 88.32M |
| Net income | 93.61M | 88.46M | 88.31M | 75.09M | 66.34M |
| Selling general administrative | 79.02M | 77.29M | 75.54M | 93.56M | 91.76M |
| Gross profit | - | - | - | 193.30M | 180.08M |
| Reconciled depreciation | 3.06M | 2.94M | 2.49M | 2.43M | 2.63M |
| Ebit | - | - | - | 99.74M | 88.32M |
| Operating income | - | - | - | 99.74M | 88.32M |
| Other operating expenses | - | - | - | 16.12M | 15.79M |
| Interest expense | 60.33M | 65.30M | 38.37M | 4.84M | 4.33M |
| Tax provision | 35.17M | 33.79M | 28.24M | 24.65M | 21.98M |
| Interest income | 279.49M | 271.98M | 253.75M | 198.41M | 165.27M |
| Net interest income | 219.16M | 206.68M | 215.38M | 193.57M | 160.94M |
| Income tax expense | - | - | - | 24.65M | 21.98M |
| Total revenue | 238.16M | 224.11M | 227.32M | 193.30M | 180.08M |
| Total operating expenses | - | - | - | 93.56M | 91.76M |
| Net income from continuing ops | 93.61M | 88.46M | 88.31M | 75.09M | 66.34M |
| Net income applicable to common shares | - | - | - | 75.09M | 66.34M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 5690.11M | 5370.20M | 5308.93M | 5327.40M | 5177.72M |
| Intangible assets | 1.17M | 1.69M | 2.24M | 2.81M | 3.40M |
| Other current assets | - | - | - | 21.60M | 18.10M |
| Total liab | 5044.60M | 4797.12M | 4759.17M | 4842.09M | 4714.58M |
| Total stockholder equity | 645.51M | 573.07M | 549.75M | 485.31M | 463.14M |
| Other current liab | - | - | - | 4759.27M | 4640.15M |
| Common stock | - | - | - | 0.01M | 0.01M |
| Capital stock | 0.01M | 0.01M | 0.01M | 0.01M | 0.01M |
| Retained earnings | 669.26M | 592.43M | 525.36M | 449.93M | 387.33M |
| Other liab | - | - | - | - | 59.99M |
| Good will | 11.18M | 11.18M | 11.18M | 11.18M | 11.18M |
| Other assets | - | - | - | 3636.43M | 3353.87M |
| Cash | 144.86M | 212.56M | 410.64M | 588.26M | 715.46M |
| Total current liabilities | - | - | - | 4759.27M | 4640.15M |
| Other stockholder equity | - | - | - | -21.84M | -1.72M |
| Property plant equipment | - | - | - | 49.48M | 47.73M |
| Total current assets | - | - | - | 4055.34M | 733.56M |
| Long term investments | 1684.89M | 1248.96M | 1015.30M | 997.82M | 3446.62M |
| Net tangible assets | - | - | - | 471.32M | 448.55M |
| Short term investments | 7.59M | 1.60M | 182.51M | 169.30M | 286.31M |
| Net receivables | 30.00M | 30.15M | 28.52M | 3467.08M | 18.10M |
| Long term debt | 10.31M | 10.31M | 10.31M | 10.31M | 10.31M |
| Inventory | - | - | - | 0.87M | 0.87M |
| Accounts payable | - | - | 80.77M | 72.51M | 4640.15M |
| Common stock total equity | - | - | - | 0.01M | 0.01M |
| Retained earnings total equity | - | - | - | 449.93M | 387.33M |
| Non currrent assets other | - | - | - | 179.27M | 909.68M |
| Non current assets total | - | - | - | 31.51M | 25.54M |
| Long term debt total | - | - | - | 10.31M | 10.31M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -422.24M | -251.12M | -139.01M | -311.79M | -292.92M |
| Change to liabilities | - | - | - | 12.91M | 5.68M |
| Total cashflows from investing activities | - | - | - | -315.30M | -296.15M |
| Total cash from financing activities | 230.12M | -27.23M | -191.95M | 86.32M | 567.81M |
| Change to operating activities | - | - | - | 4.65M | -6.75M |
| Net income | 93.61M | 88.46M | 88.31M | 75.09M | 66.34M |
| Change in cash | -67.70M | -198.08M | -214.52M | -127.20M | 331.62M |
| Begin period cash flow | 212.56M | 410.64M | 882.88M | 715.46M | 383.84M |
| End period cash flow | 144.86M | 212.56M | 668.36M | 588.26M | 715.46M |
| Total cash from operating activities | 104.19M | 103.73M | 116.44M | 101.78M | 59.96M |
| Depreciation | 3.06M | 2.94M | 2.41M | 2.80M | 4.08M |
| Other cashflows from investing activities | - | - | - | 0.68M | -1.16M |
| Dividends paid | -13.84M | -13.02M | 12.66M | 12.49M | 12.07M |
| Sale purchase of stock | -34.73M | -45.26M | -18.80M | -20.31M | 0.00M |
| Other cashflows from financing activities | - | - | - | 119.12M | 579.88M |
| Change to netincome | - | - | - | 8.55M | -1.15M |
| Capital expenditures | 7.58M | 2.40M | 5.37M | 4.19M | 2.07M |
| Cash flows other operating | - | - | - | 2.43M | -14.99M |
| Cash and cash equivalents changes | - | - | - | -127.20M | 331.62M |
| Change in working capital | 6.98M | 8.77M | 9.54M | 4.65M | -6.75M |
| Stock based compensation | 11.55M | 0.00M | 0.00M | - | - |
| Other non cash items | -2.53M | -2.43M | -6.37M | -2.23M | -2.18M |
| Free cash flow | 96.62M | 101.34M | 111.08M | 97.59M | 57.89M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| FMCB Farmers & Merchants Bancorp |
- -% |
1457.60 | 10.20 | 11.12 | 4.08 | 1.45 | 4.04 |
| DBSDY DBS Group Holdings Ltd ADR |
-0.76 0.34% |
219.92 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.62 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.28 0.82% |
34.49 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.46 0.49% |
92.86 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Farmers & Merchants Bancorp operates as the bank holding company for Farmers & Merchants Bank of Central California that provides various banking services to businesses and individuals in the United States. The company provides deposit products, including checking, savings, money market, time certificates of deposit, and individual retirement accounts. It also offers a range of lending products, such as commercial, commercial and residential real estate, real estate construction, agribusiness, and consumer loans, as well as equipment leases and credit card services; commercial products, including term loans, lines of credit and other working capital financing, and letters of credit; and financing products, such as automobile financing, home improvement, and home equity lines of credit. In addition, the company provides specialized services that include credit card programs for merchants, lockbox and other collection services, account reconciliation, investment sweep, online account access, and electronic funds transfers through domestic and international wire and automated clearinghouse; online banking services; and investment products, such as mutual funds and annuities. Farmers & Merchants Bancorp was founded in 1916 and is headquartered in Lodi, California.
| Name | Title | Year Born |
|---|---|---|
| Mr. Kent A. Steinwert | Chairman, Pres & CEO | 1953 |
| Mr. Stephen W. Haley | Exec. VP & Interim Chief Financial Officer | 1954 |
| Ms. Deborah E. Skinner | Exec. VP & Chief Admin Officer | 1963 |
| Mr. Jay J. Colombini | Exec. VP & Chief Credit Officer | 1963 |
| Mr. Ryan J. Misasi | Exec. VP & Retail Banking Division Mang. | 1977 |
| Mr. David M. Zitterow | Exec. VP & Director of Banking | 1973 |
| Charles F. Broom | Sr. VP & Director of HR | NA |
| Kyle E. Koelbel | Exec. VP & Enterprise Risk Officer | NA |
| Mr. Kent A. Steinwert | Chairman, President & CEO | 1953 |
| Mr. Bart R. Olson CPA | Executive VP, CFO & Corporate Secretary | 1969 |
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