FMBN (Farmers and Merchants Bancshares) Debt-to-EBITDA

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FMBN Farmers and Merchants Bancshares Inc FMBN
52 GF Score
Price $37.00
GF Value $24.01
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Farmers and Merchants Bancshares Debt-to-EBITDA?

Debt-to-EBITDA does not apply to banks.

FMBN
52GF Score
Farmers and Merchants Bancshares Inc FMBN
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
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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 $37.00 is trading 54.1% above its estimated GF Value™ of $24.01. GuruFocus considers Farmers and Merchants Bancshares to be Significantly Overvalued.

Key valuation signals for FMBN:

  • Debt-to-EBITDA:
  • GF Value™: $24.01 vs. price of $37.00 (54.1% above fair value)
  • GF Score™: 52/100 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.
52GF Score

Get the complete analysis for FMBN

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

$37.00
Price
$24.01
GF Value