FMFG'
s FCF Margin % Range Over the Past 10 Years
Min: 4.41 Med: 22.26 Max: 46.19
Current: 26.42
During the past 10 years, the highest FCF Margin % of Farmers and Merchants Bancshares (MD) was 46.19%. The lowest was 4.41%. And the median was 22.26%.
FMFG's FCF Margin % is ranked worse than 50.17% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs FMFG: 26.42
Farmers and Merchants Bancshares (MD) FCF Margin % Related Terms
Farmers and Merchants Bancshares (MD) FCF Margin % 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) FCF Margin % Chart
For the Banks - Regional subindustry, Farmers and Merchants Bancshares (MD)'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 (MD) FCF Margin % vs Banks Industry
* 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 FCF Margin % of 27.15% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Farmers and Merchants Bancshares (MD) and its competitors. This is 22% above median its historical median of 22.26. Over the past decade, Farmers and Merchants Bancshares (MD)'s FCF Margin % has ranged from 4.41 to 46.19. According to the industry distribution chart, Farmers and Merchants Bancshares (MD) ranks #755 out of 1505 companies in the Banks industry, placing it in the top 50.2%.
Is Farmers and Merchants Bancshares (MD)'s FCF Margin % too high?
Farmers and Merchants Bancshares (MD)'s current FCF Margin % of 27.15% is 22% above median its 10-year median of 22.26. Over the past 10 years, this metric has ranged from a low of 4.41 to a high of 46.19. The Banks industry median FCF Margin % is 26.55. Farmers and Merchants Bancshares (MD)'s value of 27.15% is 2.3% above this industry median. Based on the distribution chart, Farmers and Merchants Bancshares (MD) ranks #755 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, Farmers and Merchants Bancshares (MD) has a GF Scoreâ„¢ 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 FCF Margin % compare to FFBW and BBBK?
According to the Banks industry distribution chart, Farmers and Merchants Bancshares (MD) ranks #755 out of 1505 companies for FCF Margin %. This places Farmers and Merchants Bancshares (MD) in the lower half of its industry. The industry median FCF Margin % is 26.55. Farmers and Merchants Bancshares (MD)'s value of 27.15% is 2.3% above this benchmark. Historically, Farmers and Merchants Bancshares (MD)'s own FCF Margin % has ranged from 4.41 to 46.19 over the past decade. While the company's 10-year median is 22.26 vs. the industry median of 26.55, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 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 (MD)'s current FCF Margin % of 27.15% is 2.3% 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 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 (MD) and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Farmers and Merchants Bancshares (MD)'s current FCF Margin % is 27.15%, which is 22% above median its own 10-year median of 22.26. 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 $18.78, compared to a current price of $17.75 — trading 5.5% below its estimated fair value. The current FCF Margin % is 27.15%, which is 22% above median its 10-year median of 22.26 and 2.3% above the Banks industry median of 26.55. Farmers and Merchants Bancshares (MD)'s overall GF Score™ is 64/100 with 4 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 (MD) (FMFG), the current FCF Margin % is 27.15% 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 undervalued.
The current stock price of $17.75 is trading 5.5% below its estimated GF Value™ of $18.78.
GuruFocus considers Farmers and Merchants Bancshares (MD) to be Fairly Valued.
Key valuation signals for FMFG:
FCF Margin %: 27.15% (22% above median its 10-year median of 22.26)
GF Value™: $18.78 vs. price of $17.75 (5.5% below fair value)
Industry Position: 2.3% above the Banks median (#755 of 1505)
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
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FMFG has been successfully added to your 
