Farmers & Merchants Bank of Long Beach
Farmers & Merchants Bank of Long Beach Fundamental Analysis
Farmers & Merchants Bank of Long Beach (FMBL) shows moderate financial fundamentals with a PE ratio of 13.97, profit margin of 16.08%, and ROE of 4.89%. The company generates $0.5B in annual revenue with strong year-over-year growth of 70.55%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 51.4/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze FMBL's fundamental strength across five key dimensions:
Efficiency Score
WeakFMBL struggles to generate sufficient returns from assets.
Valuation Score
ExcellentFMBL trades at attractive valuation levels.
Growth Score
ExcellentFMBL delivers strong and consistent growth momentum.
Financial Health Score
ModerateFMBL shows balanced financial health with some risks.
Profitability Score
WeakFMBL struggles to sustain strong margins.
Key Financial Metrics
Is FMBL Expensive or Cheap?
P/E Ratio
FMBL trades at 13.97 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, FMBL's PEG of 1.83 indicates fair valuation.
Price to Book
The market values Farmers & Merchants Bank of Long Beach at 0.64 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 1.56 times EBITDA. This is generally considered low.
How Well Does FMBL Make Money?
Net Profit Margin
For every $100 in sales, Farmers & Merchants Bank of Long Beach keeps $16.08 as profit after all expenses.
Operating Margin
Core operations generate 21.68 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $4.89 in profit for every $100 of shareholder equity.
ROA
Farmers & Merchants Bank of Long Beach generates $0.62 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Farmers & Merchants Bank of Long Beach generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Farmers & Merchants Bank of Long Beach 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
FMBL converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
13.97
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.83
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.64
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.26
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.60
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.09
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.05
vs 25 benchmark
ROA
Return on assets percentage
0.006
vs 25 benchmark
ROCE
Return on capital employed
0.009
vs 25 benchmark
How FMBL Stacks Against Its Sector Peers
| Metric | FMBL Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 13.97 | 18.99 | Better (Cheaper) |
| ROE | 4.89% | 821.00% | Weak |
| Net Margin | 16.08% | 1914.00% | Weak |
| Debt/Equity | 0.60 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 0.09 | 657.31 | Weak Liquidity |
| ROA | 0.62% | -25084.00% (disorted) | Weak |
FMBL outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Farmers & Merchants Bank of Long Beach's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
53.49%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-10.22%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-10.49%
Industry Style: Value, Dividend, Cyclical
Declining