Farmers & Merchants Bancorp (FMCB)

Farmers & Merchants Bancorp is a bank holding company for Farmers & Merchants Bank of Central California, serving businesses and individuals in the United States. Through its banking platform, the company provides deposit products such as checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. Its lending activities include commercial loans, commercial and residential real estate loans, construction financing, agribusiness lending, consumer loans, equipment leases, and credit card services. The company also provides commercial financing tools such as term loans, lines of credit, working capital financing, and letters of credit. Additional services include merchant credit card programs, lockbox and collection services, account reconciliation, investment sweep services, online banking, electronic funds transfers, and online account access, along with investment products such as mutual funds and annuities. Founded in 1916, Farmers & Merchants Bancorp is headquartered in Lodi, California.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-FMCB
$1,511
4.1% Upside
Fair
Not available
Not available
Good
1.5%
January 27, 2027
10.1x
1.5x
4.1x
985.9 M
1.0%
89.9%
-2.0
15.2%
101.9%
Valuation • Fair Value

Farmers & Merchants Bancorp (OTC-FMCB) Fair Value by Valuation Model

Review the available estimates for Farmers & Merchants Bancorp (OTC-FMCB), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$1,511

Estimated upside of 4.1% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$1,596

Classic Ben Graham valuation formula reference.

DDM Fair Value

$2,106

Dividend discount model valuation reference.

Comps Fair Value

$1,313

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the 5 available valuation references for Farmers & Merchants Bancorp (OTC-FMCB) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Farmers & Merchants Bancorp (OTC-FMCB)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

243.8 M

Current operating scale indicator.

Revenue Forecast

239.4 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Farmers & Merchants Bancorp (OTC-FMCB) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Farmers & Merchants Bancorp (OTC-FMCB)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

7

Relatively strong quality score.

Altman Z-Score

-2.0

Lower score that deserves closer risk review.

FCF / Net Income

101.9%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Farmers & Merchants Bancorp (OTC-FMCB). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Farmers & Merchants Bancorp (OTC-FMCB)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

January 27, 2027

Days to Earnings

82

Dividend Yield

1.5%

Current income yield reference.

Payout Ratio

15.2%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Farmers & Merchants Bancorp (OTC-FMCB), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Technical Outlook

Technical Signals by Time Frame

Review the technical signals currently available for this stock across supported time frames.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Buy

The 15-minute technical read for Farmers & Merchants Bancorp (OTC-FMCB) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Farmers & Merchants Bancorp (OTC-FMCB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Neutral

The daily technical read for Farmers & Merchants Bancorp (OTC-FMCB) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Farmers & Merchants Bancorp (OTC-FMCB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Farmers & Merchants Bancorp (OTC-FMCB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

FAQ • Fast Investor Answers

Farmers & Merchants Bancorp (OTC-FMCB) Stock FAQ

Data-supported answers about Farmers & Merchants Bancorp (OTC-FMCB), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$1,511
Estimated upside 4.1%
Valuation Rating
Undervalued
Estimated upside of 4.1%
Financial Health
Good
Current financial-health read

The current fair value estimate for Farmers & Merchants Bancorp (OTC-FMCB) is $1,511. This implies an estimated upside of 4.1% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 4.1% versus the current market price.

The current financial health read for Farmers & Merchants Bancorp (OTC-FMCB) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Farmers & Merchants Bancorp (OTC-FMCB) is January 27, 2027.

Based on the current data, dividend yield is 1.5%.

The current P/E ratio listed for Farmers & Merchants Bancorp (OTC-FMCB) is 10.1x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Farmers & Merchants Bancorp is 985.9 M.

The ticker symbol for Farmers & Merchants Bancorp is OTC-FMCB, and the stock is listed on OTC Markets.

Farmers & Merchants Bancorp (OTC-FMCB) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for Farmers & Merchants Bancorp is 1.0%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Farmers & Merchants Bancorp is 89.9%. Free float helps investors understand how much of the share base is available for public trading.