Farmers Bancorp (Frankfort IN)
Farmers Bancorp (Frankfort IN) Fundamental Analysis
Farmers Bancorp (Frankfort IN) (FABP) shows moderate financial fundamentals with a PE ratio of 8.75, profit margin of 14.61%, and ROE of 12.24%. The company generates $0.1B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 36.4/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze FABP's fundamental strength across five key dimensions:
Efficiency Score
WeakFABP struggles to generate sufficient returns from assets.
Valuation Score
ExcellentFABP trades at attractive valuation levels.
Growth Score
ModerateFABP shows steady but slowing expansion.
Financial Health Score
WeakFABP carries high financial risk with limited liquidity.
Profitability Score
WeakFABP struggles to sustain strong margins.
Key Financial Metrics
Is FABP Expensive or Cheap?
P/E Ratio
FABP trades at 8.75 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, FABP's PEG of -3.17 indicates potential undervaluation.
Price to Book
The market values Farmers Bancorp (Frankfort IN) at 1.00 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 3.12 times EBITDA. This is generally considered low.
How Well Does FABP Make Money?
Net Profit Margin
For every $100 in sales, Farmers Bancorp (Frankfort IN) keeps $14.61 as profit after all expenses.
Operating Margin
Core operations generate 17.29 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $12.24 in profit for every $100 of shareholder equity.
ROA
Farmers Bancorp (Frankfort IN) generates $0.85 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Farmers Bancorp (Frankfort IN) generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Farmers Bancorp (Frankfort IN) generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
FABP converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
8.75
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-3.17
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.00
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.28
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.45
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.08
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.12
vs 25 benchmark
ROA
Return on assets percentage
0.008
vs 25 benchmark
ROCE
Return on capital employed
0.05
vs 25 benchmark
How FABP Stacks Against Its Sector Peers
| Metric | FABP Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 8.75 | 18.83 | Better (Cheaper) |
| ROE | 12.24% | 817.00% | Weak |
| Net Margin | 14.61% | 1784.00% | Weak |
| Debt/Equity | 1.45 | 0.99 | Weak (High Leverage) |
| Current Ratio | 0.08 | 661.85 | Weak Liquidity |
| ROA | 0.85% | -23754.00% (disorted) | Weak |
FABP outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Farmers Bancorp (Frankfort IN)'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical