FMBL (Farmers & Merchants Bank of Long Beach) E10: $733.46 (As of Jun. 2026)

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FMBL Farmers & Merchants Bank of Long Beach FMBL
59 GF Score
Price $9,804.97
GF Value $7,236.55
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Farmers & Merchants Bank of Long Beach E10?

Farmers & Merchants Bank of Long Beach FMBL 59 E10 is $733.46 as of Jun. 2026. GuruFocus rates FMBL with a GF Score™ of 59/100 and a GF Value™ of $7,236.55 (Significantly Overvalued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Farmers & Merchants Bank of Long Beach's adjusted earnings per share data for the three months ended in Jun. 2026 was $256.320. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $733.46 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Farmers & Merchants Bank of Long Beach's average E10 Growth Rate was 2.80% per year. During the past 3 years, the average E10 Growth Rate was 4.00% per year. During the past 5 years, the average E10 Growth Rate was 8.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Farmers & Merchants Bank of Long Beach was 12.40% per year. The lowest was 4.00% per year. And the median was 9.60% per year.

As of today (2026-07-31), Farmers & Merchants Bank of Long Beach's current stock price is $9804.97. Farmers & Merchants Bank of Long Beach's E10 for the quarter that ended in Jun. 2026 was $733.46. Farmers & Merchants Bank of Long Beach's Shiller PE Ratio of today is 13.37.

During the past 13 years, the highest Shiller PE Ratio of Farmers & Merchants Bank of Long Beach was 18.14. The lowest was 6.32. And the median was 11.99.


Farmers & Merchants Bank of Long Beach  (OTCPK:FMBL) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Farmers & Merchants Bank of Long Beach's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=9804.97/733.46
=13.37

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Farmers & Merchants Bank of Long Beach was 18.14. The lowest was 6.32. And the median was 11.99.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Farmers & Merchants Bank of Long Beach E10 Related Terms


Farmers & Merchants Bank of Long Beach E10 Historical Data

* Premium members only.

The historical data trend for Farmers & Merchants Bank of Long Beach's E10 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 & Merchants Bank of Long Beach E10 Chart

Farmers & Merchants Bank of Long Beach Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 557.14 630.28 656.73 685.51 708.73

Farmers & Merchants Bank of Long Beach Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 713.61 714.65 708.73 719.56 733.46

FMBL vs CLBK, MCB, HBT: E10 Comparison

For the Banks - Regional subindustry, Farmers & Merchants Bank of Long Beach's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Farmers & Merchants Bank of Long Beach Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Farmers & Merchants Bank of Long Beach's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Farmers & Merchants Bank of Long Beach's Shiller PE Ratio falls into.


FMBL
59GF Score
Farmers & Merchants Bank of Long Beach FMBL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Farmers & Merchants Bank of Long Beach E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Farmers & Merchants Bank of Long Beach's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=256.32/333.9520*333.9520
=256.320

Current CPI (Jun. 2026) = 333.9520.

Farmers & Merchants Bank of Long Beach Quarterly Data

per share eps CPI Adj_EPS
201206 127.880 229.478 186.100
201209 113.680 231.407 164.056
201212 101.120 229.601 147.078
201303 127.780 232.773 183.322
201306 113.760 233.504 162.697
201309 114.950 234.149 163.946
201312 114.410 233.049 163.946
201412 0.000 234.812 0.000
201512 0.000 236.525 0.000
201612 0.000 241.432 0.000
201712 0.000 246.524 0.000
201812 0.000 251.233 0.000
201909 172.510 256.759 224.374
201912 145.340 256.974 188.877
202003 139.500 258.115 180.487
202006 160.520 257.797 207.939
202009 155.180 260.280 199.104
202012 167.560 260.474 214.828
202103 197.510 264.877 249.017
202106 236.950 271.696 291.244
202109 238.070 274.310 289.832
202112 225.940 278.802 270.633
202203 217.020 287.504 252.081
202206 228.510 296.311 257.538
202209 209.640 296.808 235.875
202212 200.690 296.797 225.814
202303 170.860 301.836 189.040
202306 143.690 305.109 157.274
202309 137.570 307.789 149.264
202312 101.680 306.746 110.698
202403 102.710 312.332 109.820
202406 107.860 314.175 114.650
202409 115.170 315.301 121.983
202412 32.180 315.605 34.051
202503 136.270 319.799 142.301
202506 112.710 322.561 116.690
202509 147.320 324.800 151.471
202512 141.900 324.054 146.234
202603 157.450 330.213 159.233
202606 256.320 333.952 256.320

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $733.46 mean?
Farmers & Merchants Bank of Long Beach (FMBL) has a E10 of $733.46 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Farmers & Merchants Bank of Long Beach and its competitors.
Is Farmers & Merchants Bank of Long Beach's E10 too high?
Farmers & Merchants Bank of Long Beach's current E10 is $733.46. Overall, Farmers & Merchants Bank of Long Beach has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Farmers & Merchants Bank of Long Beach's E10 compare to CLBK and MCB?
Farmers & Merchants Bank of Long Beach's E10 of $733.46 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Farmers & Merchants Bank of Long Beach and its competitors. Farmers & Merchants Bank of Long Beach's current E10 is $733.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Farmers & Merchants Bank of Long Beach stock overvalued right now?
Based on GuruFocus' analysis, Farmers & Merchants Bank of Long Beach (FMBL) is currently considered Significantly Overvalued. The stock's GF Value™ is $7,236.55, compared to a current price of $9,804.97 — trading 35.5% above its estimated fair value. The current E10 is $733.46. Farmers & Merchants Bank of Long Beach's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Farmers & Merchants Bank of Long Beach (FMBL), the current E10 is $733.46 as of Jun. 2026. 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 & Merchants Bank of Long Beach (FMBL) Overvalued in 2026?

Based on GuruFocus' analysis, Farmers & Merchants Bank of Long Beach stock appears to be overvalued. The current stock price of $9,804.97 is trading 35.5% above its estimated GF Value™ of $7,236.55. GuruFocus considers Farmers & Merchants Bank of Long Beach to be Significantly Overvalued.

Key valuation signals for FMBL:

  • E10: $733.46
  • GF Value™: $7,236.55 vs. price of $9,804.97 (35.5% above fair value)
  • GF Score™: 59/100 with 5 warning signs

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


Farmers & Merchants Bank of Long Beach Business Description

Address 302 Pine Avenue, Long Beach, CA, USA, 90802
Farmers & Merchants Bank of Long Beach offers a broad range of banking products and services to individuals, professionals, and small to medium sized businesses. The bank operates branches across California's Los Angeles County, Orange County, and Santa Barbara County, supported by online and mobile banking platforms. As a full service commercial bank, it provides services including demand, money market, savings, and time deposits, as well as loans such as commercial real estate, construction, commercial business, and residential loans, including single family and multifamily financing, along with other business oriented banking services.
59GF Score

Get the complete analysis for FMBL

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9,804.97
Price
$7,236.55
GF Value