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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 3.18
FMCB's Cash to Debt is ranked higher than
55% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. FMCB: 3.18 )
Ranked among companies with meaningful Cash to Debt only.
FMCB' s Cash to Debt Range Over the Past 10 Years
Min: 0.28  Med: 1.28 Max: No Debt
Current: 3.18
Equity to Asset 0.10
FMCB's Equity to Asset is ranked lower than
55% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FMCB: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
FMCB' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.10 Max: 0.11
Current: 0.1
0.09
0.11
Interest Coverage 13.39
FMCB's Interest Coverage is ranked higher than
93% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. FMCB: 13.39 )
Ranked among companies with meaningful Interest Coverage only.
FMCB' s Interest Coverage Range Over the Past 10 Years
Min: 1.1  Med: 2.74 Max: 14.4
Current: 13.39
1.1
14.4
F-Score: 4
WACC vs ROIC
5.56%
15.12%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 42.99
FMCB's Operating margin (%) is ranked higher than
76% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. FMCB: 42.99 )
Ranked among companies with meaningful Operating margin (%) only.
FMCB' s Operating margin (%) Range Over the Past 10 Years
Min: 33.62  Med: 42.72 Max: 45.02
Current: 42.99
33.62
45.02
Net-margin (%) 26.57
FMCB's Net-margin (%) is ranked higher than
64% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. FMCB: 26.57 )
Ranked among companies with meaningful Net-margin (%) only.
FMCB' s Net-margin (%) Range Over the Past 10 Years
Min: 21.48  Med: 26.78 Max: 28.73
Current: 26.57
21.48
28.73
ROE (%) 11.21
FMCB's ROE (%) is ranked higher than
71% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. FMCB: 11.21 )
Ranked among companies with meaningful ROE (%) only.
FMCB' s ROE (%) Range Over the Past 10 Years
Min: 11.47  Med: 12.48 Max: 16.46
Current: 11.21
11.47
16.46
ROA (%) 1.12
FMCB's ROA (%) is ranked higher than
69% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. FMCB: 1.12 )
Ranked among companies with meaningful ROA (%) only.
FMCB' s ROA (%) Range Over the Past 10 Years
Min: 1.15  Med: 1.20 Max: 1.55
Current: 1.12
1.15
1.55
Revenue Growth (3Y)(%) 2.40
FMCB's Revenue Growth (3Y)(%) is ranked higher than
51% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. FMCB: 2.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FMCB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -1.9  Med: 7.30 Max: 11.3
Current: 2.4
-1.9
11.3
EBITDA Growth (3Y)(%) 4.50
FMCB's EBITDA Growth (3Y)(%) is ranked lower than
55% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. FMCB: 4.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FMCB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -1.2  Med: 5.10 Max: 13
Current: 4.5
-1.2
13
EPS Growth (3Y)(%) 4.60
FMCB's EPS Growth (3Y)(%) is ranked lower than
57% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. FMCB: 4.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FMCB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -1.2  Med: 5.05 Max: 12.9
Current: 4.6
-1.2
12.9
» FMCB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 15.30
FMCB's P/E(ttm) is ranked lower than
71% of the 2083 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.50 vs. FMCB: 15.30 )
Ranked among companies with meaningful P/E(ttm) only.
FMCB' s P/E(ttm) Range Over the Past 10 Years
Min: 10.68  Med: 14.97 Max: 24.23
Current: 15.3
10.68
24.23
Forward P/E 11.12
FMCB's Forward P/E is ranked lower than
69% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.52 vs. FMCB: 11.12 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.30
FMCB's PE(NRI) is ranked lower than
67% of the 1535 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.30 vs. FMCB: 15.30 )
Ranked among companies with meaningful PE(NRI) only.
FMCB' s PE(NRI) Range Over the Past 10 Years
Min: 10.68  Med: 14.97 Max: 23.92
Current: 15.3
10.68
23.92
P/B 1.65
FMCB's P/B is ranked lower than
85% of the 2114 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. FMCB: 1.65 )
Ranked among companies with meaningful P/B only.
FMCB' s P/B Range Over the Past 10 Years
Min: 1.34  Med: 1.79 Max: 3.58
Current: 1.65
1.34
3.58
P/S 4.07
FMCB's P/S is ranked lower than
80% of the 2513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. FMCB: 4.07 )
Ranked among companies with meaningful P/S only.
FMCB' s P/S Range Over the Past 10 Years
Min: 2.82  Med: 3.78 Max: 7.75
Current: 4.07
2.82
7.75
PFCF 4.63
FMCB's PFCF is ranked higher than
64% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. FMCB: 4.63 )
Ranked among companies with meaningful PFCF only.
FMCB' s PFCF Range Over the Past 10 Years
Min: 4.49  Med: 16.85 Max: 69.54
Current: 4.63
4.49
69.54
POCF 4.44
FMCB's POCF is ranked higher than
63% of the 1445 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.26 vs. FMCB: 4.44 )
Ranked among companies with meaningful POCF only.
FMCB' s POCF Range Over the Past 10 Years
Min: 4.31  Med: 13.80 Max: 36.41
Current: 4.44
4.31
36.41
EV-to-EBIT 8.73
FMCB's EV-to-EBIT is ranked higher than
73% of the 2044 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. FMCB: 8.73 )
Ranked among companies with meaningful EV-to-EBIT only.
FMCB' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.3  Med: 8.85 Max: 21.3
Current: 8.73
4.3
21.3
EV-to-EBITDA 8.43
FMCB's EV-to-EBITDA is ranked higher than
68% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.33 vs. FMCB: 8.43 )
Ranked among companies with meaningful EV-to-EBITDA only.
FMCB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.2  Med: 8.40 Max: 19.7
Current: 8.43
4.2
19.7
PEG 3.19
FMCB's PEG is ranked lower than
85% of the 653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. FMCB: 3.19 )
Ranked among companies with meaningful PEG only.
FMCB' s PEG Range Over the Past 10 Years
Min: 0.85  Med: 3.11 Max: 1339
Current: 3.19
0.85
1339
Shiller P/E 16.89
FMCB's Shiller P/E is ranked lower than
58% of the 557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. FMCB: 16.89 )
Ranked among companies with meaningful Shiller P/E only.
FMCB' s Shiller P/E Range Over the Past 10 Years
Min: 12.83  Med: 14.72 Max: 18.89
Current: 16.89
12.83
18.89

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.47
FMCB's Dividend Yield is ranked lower than
62% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. FMCB: 2.47 )
Ranked among companies with meaningful Dividend Yield only.
FMCB' s Dividend Yield Range Over the Past 10 Years
Min: 1.43  Med: 2.71 Max: 3.44
Current: 2.47
1.43
3.44
Dividend Payout 0.37
FMCB's Dividend Payout is ranked lower than
56% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. FMCB: 0.37 )
Ranked among companies with meaningful Dividend Payout only.
FMCB' s Dividend Payout Range Over the Past 10 Years
Min: 0.44  Med: 0.81 Max: 1.3
Current: 0.37
0.44
1.3
Dividend Growth (3y) 2.60
FMCB's Dividend Growth (3y) is ranked lower than
58% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. FMCB: 2.60 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FMCB' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 2.6  Med: 7.10 Max: 30.6
Current: 2.6
2.6
30.6
Forward Dividend Yield 2.49
FMCB's Forward Dividend Yield is ranked lower than
67% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. FMCB: 2.49 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.86
FMCB's Yield on cost (5-Year) is ranked lower than
58% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. FMCB: 2.86 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FMCB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.66  Med: 3.14 Max: 3.99
Current: 2.86
1.66
3.99

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.65
FMCB's Price/Tangible Book is ranked lower than
81% of the 1932 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. FMCB: 1.65 )
Ranked among companies with meaningful Price/Tangible Book only.
FMCB' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.38  Med: 1.95 Max: 3.58
Current: 1.65
1.38
3.58
Price/Projected FCF 0.79
FMCB's Price/Projected FCF is ranked lower than
66% of the 1071 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. FMCB: 0.79 )
Ranked among companies with meaningful Price/Projected FCF only.
FMCB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.74  Med: 0.93 Max: 1.3
Current: 0.79
0.74
1.3
Price/Median PS Value 1.06
FMCB's Price/Median PS Value is ranked lower than
68% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. FMCB: 1.06 )
Ranked among companies with meaningful Price/Median PS Value only.
FMCB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.75  Med: 1.03 Max: 3.1
Current: 1.06
0.75
3.1
Price/Graham Number 1.06
FMCB's Price/Graham Number is ranked lower than
74% of the 1720 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. FMCB: 1.06 )
Ranked among companies with meaningful Price/Graham Number only.
FMCB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.86  Med: 1.14 Max: 1.94
Current: 1.06
0.86
1.94
Earnings Yield (Greenblatt) (%) 11.50
FMCB's Earnings Yield (Greenblatt) (%) is ranked higher than
75% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FMCB: 11.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FMCB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.7  Med: 11.30 Max: 23.1
Current: 11.5
4.7
23.1
Forward Rate of Return (Yacktman) (%) 14.07
FMCB's Forward Rate of Return (Yacktman) (%) is ranked lower than
51% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. FMCB: 14.07 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FMCB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 6.7  Med: 11.70 Max: 20.7
Current: 14.07
6.7
20.7

More Statistics

Revenue(Mil) $101
EPS $ 34.14
Beta0.47
Short Percentage of Float0.00%
52-Week Range $460.00 - 585.00
Shares Outstanding(Mil)0.79

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Farmers & Merchants Bancorp a Delaware corporation was incorporated on February 22, 1999. The Company serves as a holding company for the Bank and for other banking or banking related subsidiaries. Its service area remains the mid Central Valley of California, including Sacramento, San Joaquin, Stanislaus and Merced counties, where it operates 21 full-service branches and one stand-alone ATM. Through its network of banking offices, the Company emphasizes personalized service along with banking services to businesses and individuals located in the service areas of its offices. Although the Company focuses on marketing its services to small and medium sized businesses, retail banking services are also made available to the local consumer market. It offers deposit instruments, which includes checking, savings, money market, time certificates of deposit, individual retirement accounts and online banking services for both business and personal accounts. The Company provides lending products, including commercial, real estate construction, agribusiness, consumer, credit card, real estate loans, and equipment leases. Commercial products include term loans, lines of credit and other working capital financing and letters of credit. Financing products for individuals include automobile financing, lines of credit, residential real estate, home improvement and home equity lines of credit. The Company also offers specialized services designed for the needs of its commercial accounts. These services include a credit card program for merchants, lockbox and other collection services, account reconciliation, investment sweep, on-line account access, and electronic funds transfers by way of domestic and international wire and automated clearinghouse. The Company makes investment products available to customers, including mutual funds and annuities. These investment products are offered through a third party, which employs investment advisors to meet with and provide investment advice to the customers.
» More Articles for FMCB

Headlines

Articles On GuruFocus.com
How to Be a Voyeur. Of Banks. Aug 04 2011 

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