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What is Farmers and Merchants Bancshares FCF Margin %?
Farmers and Merchants BancsharesFMBN 54 FCF Margin % is 17.15% as of Dec. 2025, which is 21% above its 10-year median of 14.14. 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. Among 1,503 Banks companies, Farmers and Merchants Bancshares ranks worse than 62.21% on this metric.
* 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 FCF Margin % Chart
For the Banks - Regional subindustry, Farmers and Merchants Bancshares's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Farmers and Merchants Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Farmers and Merchants Bancshares's FCF Margin % 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.
Farmers and Merchants Bancshares (FMBN) has a FCF Margin % of 17.15% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Farmers and Merchants Bancshares and its competitors. This is 21% above median its historical median of 14.14. Over the past decade, Farmers and Merchants Bancshares' FCF Margin % has ranged from 2.86 to 46.24. According to the industry distribution chart, Farmers and Merchants Bancshares ranks #935 out of 1503 companies in the Banks industry, placing it in the top 62.2%.
Is Farmers and Merchants Bancshares' FCF Margin % too high?
Farmers and Merchants Bancshares' current FCF Margin % of 17.15% is 21% above median its 10-year median of 14.14. Over the past 10 years, this metric has ranged from a low of 2.86 to a high of 46.24. The Banks industry median FCF Margin % is 26.42. Farmers and Merchants Bancshares' value of 17.15% is 35.1% below this industry median. Based on the distribution chart, Farmers and Merchants Bancshares ranks #935 out of 1503 companies in the Banks industry, which is below the industry midpoint. 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' FCF Margin % compare to BOTJ and CMHF?
According to the Banks industry distribution chart, Farmers and Merchants Bancshares ranks #935 out of 1503 companies for FCF Margin %. This places Farmers and Merchants Bancshares in the lower half of its industry. The industry median FCF Margin % is 26.42. Farmers and Merchants Bancshares' value of 17.15% is 35.1% below this benchmark. Historically, Farmers and Merchants Bancshares' own FCF Margin % has ranged from 2.86 to 46.24 over the past decade. While the company's 10-year median is 14.14 vs. the industry median of 26.42, Farmers and Merchants Bancshares has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,503 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Farmers and Merchants Bancshares's current FCF Margin % of 17.15% is 35.1% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Farmers and Merchants Bancshares and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Farmers and Merchants Bancshares's current FCF Margin % is 17.15%, which is 21% above median its own 10-year median of 14.14. 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 FCF Margin % is 17.15%, which is 21% above median its 10-year median of 14.14 and 35.1% below the Banks industry median of 26.42. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Farmers and Merchants Bancshares (FMBN), the current FCF Margin % is 17.15% 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:
FCF Margin %: 17.15% (21% above median its 10-year median of 14.14)
GF Value™: $24.00 vs. price of $38.00 (58.3% above fair value)
Industry Position: 35.1% below the Banks median (#935 of 1503)
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 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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