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* 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.
For the Banks - Regional subindustry, Farmers & Merchants Bancorp'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 & Merchants Bancorp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Farmers & Merchants Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Farmers & Merchants Bancorp'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 & Merchants Bancorp (FMCB) has a FCF Margin % of 47.30% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Farmers & Merchants Bancorp and its competitors. This is 23% above median its historical median of 38.49. Over the past decade, Farmers & Merchants Bancorp's FCF Margin % has ranged from 29.03 to 48.97. According to the industry distribution chart, Farmers & Merchants Bancorp ranks #479 out of 1489 companies in the Banks industry, placing it in the top 32.2%.
Is Farmers & Merchants Bancorp's FCF Margin % too high?
Farmers & Merchants Bancorp's current FCF Margin % of 47.30% is 23% above median its 10-year median of 38.49. Over the past 10 years, this metric has ranged from a low of 29.03 to a high of 48.97. The Banks industry median FCF Margin % is 27.60. Farmers & Merchants Bancorp's value of 47.30% is 71.4% above this industry median. Based on the distribution chart, Farmers & Merchants Bancorp ranks #479 out of 1489 companies in the Banks industry, which is above the industry midpoint. Overall, Farmers & Merchants Bancorp has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Farmers & Merchants Bancorp's FCF Margin % compare to TRST and CPF?
According to the Banks industry distribution chart, Farmers & Merchants Bancorp ranks #479 out of 1489 companies for FCF Margin %. This puts Farmers & Merchants Bancorp in the upper half of its industry. The industry median FCF Margin % is 27.60. Farmers & Merchants Bancorp's value of 47.30% is 71.4% above this benchmark. Historically, Farmers & Merchants Bancorp's own FCF Margin % has ranged from 29.03 to 48.97 over the past decade. While the company's 10-year median is 38.49 vs. the industry median of 27.60, Farmers & Merchants Bancorp 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.60, based on 1,489 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 & Merchants Bancorp's current FCF Margin % of 47.30% is 71.4% 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 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 & Merchants Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 27.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Farmers & Merchants Bancorp's current FCF Margin % is 47.30%, which is 23% above median its own 10-year median of 38.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Farmers & Merchants Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Farmers & Merchants Bancorp (FMCB) is currently considered Modestly Overvalued. The stock's GF Value™ is $1,206.50, compared to a current price of $1,424.50 — trading 18.1% above its estimated fair value. The current FCF Margin % is 47.30%, which is 23% above median its 10-year median of 38.49 and 71.4% above the Banks industry median of 27.60. Farmers & Merchants Bancorp's overall GF Score™ is 77/100 with 5 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 & Merchants Bancorp (FMCB), the current FCF Margin % is 47.30% 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 Bancorp (FMCB) Overvalued in 2026?
Based on GuruFocus' analysis, Farmers & Merchants Bancorp stock appears to be overvalued.
The current stock price of $1,424.50 is trading 18.1% above its estimated GF Value™ of $1,206.50.
GuruFocus considers Farmers & Merchants Bancorp to be Modestly Overvalued.
Key valuation signals for FMCB:
FCF Margin %: 47.30% (23% above median its 10-year median of 38.49)
GF Value™: $1,206.50 vs. price of $1,424.50 (18.1% above fair value)
Industry Position: 71.4% above the Banks median (#479 of 1489)
No single metric tells the full story. See the FMCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Farmers & Merchants Bancorp is a bank holding company that provides a broad range of lending products, including commercial, commercial real estate, construction, agribusiness, consumer, credit card, residential real estate loans, and equipment leases. Its offerings include term loans, lines of credit, working capital financing, and letters of credit, along with automobile, home improvement, and home equity financing for individuals. It also offers deposit products such as checking, savings, money market accounts, certificates of deposit, individual retirement accounts, and online banking services. In addition, it provides specialized services for commercial clients, including merchant credit card programs, collection services, account reconciliation, and electronic funds transfers.
77GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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