FMBN (Farmers and Merchants Bancshares) Net Loan: $124.09 Mil (As of Dec. 2025)

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FMBN Farmers and Merchants Bancshares Inc FMBN
54 GF Score
Price $38.00
GF Value $24.00
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Farmers and Merchants Bancshares Net Loan?

Farmers and Merchants Bancshares FMBN 54 Net Loan is $124.09 Mil as of Dec. 2025. GuruFocus rates FMBN with a GF Score™ of 54/100 and a GF Value™ of $24.00 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Farmers and Merchants Bancshares's quarterly net loan declined from Dec. 2023 ($120.51 Mil) to Dec. 2024 ($118.86 Mil) but then increased from Dec. 2024 ($118.86 Mil) to Dec. 2025 ($124.09 Mil).

Farmers and Merchants Bancshares's annual net loan declined from Dec. 2023 ($120.51 Mil) to Dec. 2024 ($118.86 Mil) but then increased from Dec. 2024 ($118.86 Mil) to Dec. 2025 ($124.09 Mil).

Farmers and Merchants Bancshares Net Loan Historical Data

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The historical data trend for Farmers and Merchants Bancshares's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Farmers and Merchants Bancshares Net Loan Chart

Farmers and Merchants Bancshares Annual Data
Trend Dec04 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 119.03 118.58 120.51 118.86 124.09

Farmers and Merchants Bancshares Semi-Annual Data
Dec03 Dec04 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 119.03 118.58 120.51 118.86 124.09
FMBN
54GF Score
Farmers and Merchants Bancshares Inc FMBN
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Farmers and Merchants Bancshares Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $124.09 Mil mean?
Farmers and Merchants Bancshares (FMBN) has a Net Loan of $124.09 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Farmers and Merchants Bancshares and its competitors.
Is Farmers and Merchants Bancshares' Net Loan too high?
Farmers and Merchants Bancshares' current Net Loan is $124.09 Mil. Overall, Farmers and Merchants Bancshares has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Farmers and Merchants Bancshares' Net Loan compare to BOTJ and CMHF?
Farmers and Merchants Bancshares' Net Loan of $124.09 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Farmers and Merchants Bancshares and its competitors. Farmers and Merchants Bancshares's current Net Loan is $124.09 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Farmers and Merchants Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Farmers and Merchants Bancshares (FMBN) is currently considered Significantly Overvalued. The stock's GF Value™ is $24.00, compared to a current price of $38.00 — trading 58.3% above its estimated fair value. The current Net Loan is $124.09 Mil. Farmers and Merchants Bancshares' overall GF Score™ is 54/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Farmers and Merchants Bancshares (FMBN), the current Net Loan is $124.09 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Farmers and Merchants Bancshares (FMBN) Overvalued in 2026?

Based on GuruFocus' analysis, Farmers and Merchants Bancshares stock appears to be overvalued. The current stock price of $38.00 is trading 58.3% above its estimated GF Value™ of $24.00. GuruFocus considers Farmers and Merchants Bancshares to be Significantly Overvalued.

Key valuation signals for FMBN:

  • Net Loan: $124.09 Mil
  • GF Value™: $24.00 vs. price of $38.00 (58.3% above fair value)
  • GF Score™: 54/100 with 7 warning signs

No single metric tells the full story. See the FMBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Farmers and Merchants Bancshares Business Description

Address 221 Jefferson Street, Burlington, IA, USA, 52601
Farmers and Merchants Bancshares Inc is a bank holding company. The company provides financial services through its offices in the greater Burlington, Iowa area. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, agricultural, commercial and installment loans.
54GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$38.00
Price
$24.00
GF Value