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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.
* 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 (MD) Effective Interest Rate on Debt % Chart
FMFG vs BAOB, CEFC, BBBK: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Farmers and Merchants Bancshares (MD)'s Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 and Merchants Bancshares (MD) Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Farmers and Merchants Bancshares (MD)'s Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Farmers and Merchants Bancshares (MD)'s Effective Interest Rate on Debt % falls into.
* 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 23.43% mean?
Farmers and Merchants Bancshares (MD) (FMFG) has a Effective Interest Rate on Debt % of 23.43% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Farmers and Merchants Bancshares (MD) and its competitors.
Is Farmers and Merchants Bancshares (MD)'s Effective Interest Rate on Debt % too high?
Farmers and Merchants Bancshares (MD)'s current Effective Interest Rate on Debt % is 23.43%. Overall, Farmers and Merchants Bancshares (MD) has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Farmers and Merchants Bancshares (MD)'s Effective Interest Rate on Debt % compare to BAOB and CEFC?
Farmers and Merchants Bancshares (MD)'s Effective Interest Rate on Debt % of 23.43% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Farmers and Merchants Bancshares (MD) and its competitors. Farmers and Merchants Bancshares (MD)'s current Effective Interest Rate on Debt % is 23.43%. 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 (MD) stock overvalued right now?
Based on GuruFocus' analysis, Farmers and Merchants Bancshares (MD) (FMFG) is currently considered Fairly Valued. The stock's GF Value™ is $18.76, compared to a current price of $18.91 — trading 0.8% above its estimated fair value. The current Effective Interest Rate on Debt % is 23.43%. Farmers and Merchants Bancshares (MD)'s overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Farmers and Merchants Bancshares (MD) (FMFG), the current Effective Interest Rate on Debt % is 23.43% as of Mar. 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 and Merchants Bancshares (MD) (FMFG) Overvalued in 2026?
Based on GuruFocus' analysis, Farmers and Merchants Bancshares (MD) stock appears to be overvalued.
The current stock price of $18.91 is trading 0.8% above its estimated GF Value™ of $18.76.
GuruFocus considers Farmers and Merchants Bancshares (MD) to be Fairly Valued.
Key valuation signals for FMFG:
Effective Interest Rate on Debt %: 23.43%
GF Value™: $18.76 vs. price of $18.91 (0.8% above fair value)
No single metric tells the full story. See the FMFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Farmers and Merchants Bancshares (MD) Business Description
Farmers and Merchants Bancshares Inc (MD) is an independent community bank, offering a broad range of financial services. The Bank provides banking services to individuals and businesses located in Baltimore County, Maryland, Carroll County, Maryland, and surrounding areas of northern Maryland. It provides Personal, Business, and Electronic banking services.
64GF Score
Get the complete analysis for FMFG
Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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