FMFG (Farmers and Merchants Bancshares (MD)) Long-Term Debt: $74.75 Mil (As of Mar. 2026)


FMFG Farmers and Merchants Bancshares Inc (MD) FMFG
63 GF Score
Price $18.80
GF Value $18.77
Valuation Fairly Valued
! 5 Warning Signs
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What is Farmers and Merchants Bancshares (MD) Long-Term Debt?

Farmers and Merchants Bancshares (MD) FMFG +1.13% 63 Long-Term Debt is $74.75 Mil as of Mar. 2026. GuruFocus rates FMFG with a GF Score™ of 63/100 and a GF Value™ of $18.77 (Fairly Valued). The stock has 5 warning signs investors should review.

Farmers and Merchants Bancshares (MD)'s Long-Term Debt for the quarter that ended in Mar. 2026 was $74.75 Mil.

Farmers and Merchants Bancshares (MD)'s quarterly Long-Term Debt increased from Sep. 2025 ($62.22 Mil) to Dec. 2025 ($74.74 Mil) and increased from Dec. 2025 ($74.74 Mil) to Mar. 2026 ($74.75 Mil).

Farmers and Merchants Bancshares (MD)'s annual Long-Term Debt declined from Dec. 2023 ($18.21 Mil) to Dec. 2024 ($16.33 Mil) but then increased from Dec. 2024 ($16.33 Mil) to Dec. 2025 ($74.74 Mil).

Farmers and Merchants Bancshares (MD)  (OTCPK:FMFG) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Farmers and Merchants Bancshares (MD) Long-Term Debt Related Terms

Farmers and Merchants Bancshares (MD) Long-Term Debt Historical Data

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The historical data trend for Farmers and Merchants Bancshares (MD)'s Long-Term Debt can be seen below:

* 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) Long-Term Debt Chart

Farmers and Merchants Bancshares (MD) Annual Data
Trend Dec02 Dec03 Dec04 Dec05 Dec06 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 21.98 35.10 18.21 16.33 74.74

Farmers and Merchants Bancshares (MD) Quarterly Data
Jun07 Sep07 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 10.86 20.39 62.22 74.74 74.75
FMFG
63GF Score
Farmers and Merchants Bancshares Inc (MD) FMFG
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $74.75 Mil mean?
Farmers and Merchants Bancshares (MD) (FMFG) has a Long-Term Debt of $74.75 Mil as of Mar. 2026.
Is Farmers and Merchants Bancshares (MD)'s Long-Term Debt too high?
Farmers and Merchants Bancshares (MD)'s current Long-Term Debt is $74.75 Mil. 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 Long-Term Debt compare to BAOB and CEFC?
Farmers and Merchants Bancshares (MD)'s Long-Term Debt of $74.75 Mil 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 Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Farmers and Merchants Bancshares (MD)'s current Long-Term Debt is $74.75 Mil. 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 Long-Term Debt is $74.75 Mil. 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Farmers and Merchants Bancshares (MD) (FMFG), the current Long-Term Debt is $74.75 Mil 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 $18.80 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:

  • Long-Term Debt: $74.75 Mil
  • GF Value™: $18.77 vs. price of $18.80 (0.2% above fair value)
  • GF Score™: 63/100 with 5 warning signs

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

Address 4510 Lower Beckleysville Road, Suite H, Hampstead, MD, USA, 21074
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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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$18.80
Price
$18.77
GF Value