FMFG's EV-to-FCF is ranked worse than 69.39% of 1199
companies
in the Banks industry
Industry Median: 6.56
vs FMFG: 12.29
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Farmers and Merchants Bancshares (MD) (OTCPK:FMFG) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Farmers and Merchants Bancshares (MD)'s PE Ratio (TTM) for today is calculated as:
Farmers and Merchants Bancshares (MD)'s share price for today is $18.80.
Farmers and Merchants Bancshares (MD)'s Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.000.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Farmers and Merchants Bancshares (MD) EV-to-FCF Related Terms
Farmers and Merchants Bancshares (MD) EV-to-FCF Historical Data
* 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) EV-to-FCF Chart
For the Banks - Regional subindustry, Farmers and Merchants Bancshares (MD)'s EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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) EV-to-FCF vs Banks Industry
Farmers and Merchants Bancshares (MD)'s current Enterprise Value is $87.32 Mil.
Farmers and Merchants Bancshares (MD)'s Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $7.11 Mil.
* 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) (FMFG) has a EV-to-FCF of 12.29 as of Jul. 12, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Farmers and Merchants Bancshares (MD) and its competitors. This is 17% below median its historical median of 14.75. According to the industry distribution chart, Farmers and Merchants Bancshares (MD) ranks #832 out of 1199 companies in the Banks industry, placing it in the top 69.4%.
Is Farmers and Merchants Bancshares (MD)'s EV-to-FCF too high?
Farmers and Merchants Bancshares (MD)'s current EV-to-FCF of 12.29 is 17% below median its 10-year median of 14.75. The Banks industry median EV-to-FCF is 6.56. Farmers and Merchants Bancshares (MD)'s value of 12.29 is 87.3% above this industry median. Based on the distribution chart, Farmers and Merchants Bancshares (MD) ranks #832 out of 1199 companies in the Banks industry, which is below the industry midpoint. Overall, Farmers and Merchants Bancshares (MD) has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Farmers and Merchants Bancshares (MD)'s EV-to-FCF compare to BAOB and CEFC?
According to the Banks industry distribution chart, Farmers and Merchants Bancshares (MD) ranks #832 out of 1199 companies for EV-to-FCF. This places Farmers and Merchants Bancshares (MD) in the lower half of its industry. The industry median EV-to-FCF is 6.56. Farmers and Merchants Bancshares (MD)'s value of 12.29 is 87.3% above this benchmark. While the company's 10-year median is 14.75 vs. the industry median of 6.56, Farmers and Merchants Bancshares (MD) has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,199 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Farmers and Merchants Bancshares (MD)'s current EV-to-FCF of 12.29 is 87.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Farmers and Merchants Bancshares (MD) and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Farmers and Merchants Bancshares (MD)'s current EV-to-FCF is 12.29, which is 17% below median its own 10-year median of 14.75. 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 $18.77, compared to a current price of $18.80 — trading 0.2% above its estimated fair value. The current EV-to-FCF is 12.29, which is 17% below median its 10-year median of 14.75 and 87.3% above the Banks industry median of 6.56. Farmers and Merchants Bancshares (MD)'s overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Farmers and Merchants Bancshares (MD) (FMFG), the current EV-to-FCF is 12.29 as of Jul. 12, 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 $18.80 is trading 0.2% above its estimated GF Value™ of $18.77.
GuruFocus considers Farmers and Merchants Bancshares (MD) to be Fairly Valued.
Key valuation signals for FMFG:
EV-to-FCF: 12.29 (17% below median its 10-year median of 14.75)
GF Value™: $18.77 vs. price of $18.80 (0.2% above fair value)
Industry Position: 87.3% above the Banks median (#832 of 1199)
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.
63GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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