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Farmers & Merchants Bancorp (FMCB)

Featured in Small-Cap Stocks

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.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

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 Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-FMCB
$1,482
9.3% Upside
Fair
—
—
—
Great
—
—
21.4
1.6%
October 15, 2026
9.4x
1.4x
3.7x
903.5 M
—
1.1%
86.3%
-1.4
18.5%
93.9%
Valuation • Fair Value

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

Compare the primary fair value estimate for Farmers & Merchants Bancorp (OTC-FMCB) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$1,482

Estimated upside of 9.3% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$1,564

Classic Ben Graham valuation formula reference.

DDM Fair Value

$2,064

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$1,288

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for Farmers & Merchants Bancorp (OTC-FMCB) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

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

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

238.4 M

Current operating scale indicator.

Revenue Forecast

239.4 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

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 financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Great

Positive financial-health read.

Piotroski Score

7

Relatively strong quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.4

Lower score that deserves closer risk review.

FCF / Net Income

93.9%

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 next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

October 15, 2026

Days to Earnings

86

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

1.6%

Income yield reference.

Upcoming Dividend

21.4

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

18.5%

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.

Stock Forecast • Technical Outlook

Farmers & Merchants Bancorp (OTC-FMCB) Stock Forecast & Technical Outlook

Review Farmers & Merchants Bancorp (OTC-FMCB) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

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
Strong Buy

The 15-minute 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: 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
Strong Buy

The daily 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: 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.

Analyst Consensus for Farmers & Merchants Bancorp (OTC-FMCB)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Not available

Analyst recommendation data for Farmers & Merchants Bancorp (OTC-FMCB) is not currently available.

Buy 0
Hold 0
Sell 0
FAQ • Fast Investor Answers

Farmers & Merchants Bancorp (OTC-FMCB) Stock FAQ

Quick answers about Farmers & Merchants Bancorp (OTC-FMCB) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$1,482
Estimated upside 9.3%
Valuation Rating
Undervalued
Estimated upside of 9.3%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Great
Current financial-health read

The current fair value estimate for Farmers & Merchants Bancorp (OTC-FMCB) is $1,482. This implies an estimated upside of 9.3% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 9.3% versus the current market price.

An analyst price target for Farmers & Merchants Bancorp (OTC-FMCB) is not currently available in the latest data file.

The current financial health read for Farmers & Merchants Bancorp (OTC-FMCB) is Great. 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 October 15, 2026.

Based on the current data, dividend yield is 1.6%, upcoming dividend amount is 21.4.

The current P/E ratio listed for Farmers & Merchants Bancorp (OTC-FMCB) is 9.4x. 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 903.5 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 1.1%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Farmers & Merchants Bancorp is 86.3%. Free float helps investors understand how much of the share base is available for public trading.

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