FMFG (Farmers and Merchants Bancshares (MD)) LT-Debt-to-Total-Asset: 0.09 (As of Mar. 2026)

What is Farmers and Merchants Bancshares (MD) LT-Debt-to-Total-Asset?

Farmers and Merchants Bancshares (MD) FMFG 61 LT-Debt-to-Total-Asset is 0.09 as of Mar. 2026. GuruFocus rates FMFG with a GF Score™ of 61/100 and a GF Value™ of $18.78 (Fairly Valued). The stock has 4 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Farmers and Merchants Bancshares (MD)'s long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.09.

Farmers and Merchants Bancshares (MD)'s long-term debt to total assets ratio increased from Mar. 2025 (0.01) to Mar. 2026 (0.09). It may suggest that Farmers and Merchants Bancshares (MD) is progressively becoming more dependent on debt to grow their business.

Farmers and Merchants Bancshares (MD) (OTCPK:FMFG) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Farmers and Merchants Bancshares (MD) LT-Debt-to-Total-Asset Related Terms

Farmers and Merchants Bancshares (MD) LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Farmers and Merchants Bancshares (MD)'s LT-Debt-to-Total-Asset 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) LT-Debt-to-Total-Asset Chart

Farmers and Merchants Bancshares (MD) Annual Data

Trend

Dec02

Dec03

Dec04

Dec05

Dec06

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.03

0.05

0.02

0.09

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.01	0.02	0.07	0.09	0.09

61GF Score

Farmers and Merchants Bancshares Inc (MD) FMFG

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Farmers and Merchants Bancshares (MD) LT-Debt-to-Total-Asset Calculation

Farmers and Merchants Bancshares (MD)'s Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	74.736	/	871.958
	=	0.09

Farmers and Merchants Bancshares (MD)'s Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	74.748	/	862.926
	=	0.09

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.09 mean?

Farmers and Merchants Bancshares (MD) (FMFG) has a LT-Debt-to-Total-Asset of 0.09 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Farmers and Merchants Bancshares (MD) and its competitors.

Is Farmers and Merchants Bancshares (MD)'s LT-Debt-to-Total-Asset too high?

Farmers and Merchants Bancshares (MD)'s current LT-Debt-to-Total-Asset is 0.09. Overall, Farmers and Merchants Bancshares (MD) has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does Farmers and Merchants Bancshares (MD)'s LT-Debt-to-Total-Asset compare to BAOB and CEFC?

Farmers and Merchants Bancshares (MD)'s LT-Debt-to-Total-Asset of 0.09 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Farmers and Merchants Bancshares (MD) and its competitors. Farmers and Merchants Bancshares (MD)'s current LT-Debt-to-Total-Asset is 0.09. 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 $19.00 — trading 1.2% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.09. Farmers and Merchants Bancshares (MD)'s overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Farmers and Merchants Bancshares (MD) (FMFG), the current LT-Debt-to-Total-Asset is 0.09 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 $19.00 is trading 1.2% above its estimated GF Value™ of $18.78. GuruFocus considers Farmers and Merchants Bancshares (MD) to be Fairly Valued.

Key valuation signals for FMFG:

LT-Debt-to-Total-Asset: 0.09
GF Value™: $18.78 vs. price of $19.00 (1.2% above fair value)
GF Score™: 61/100 with 4 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

Industry Financial Services Banks

Comparable Companies BAOB CEFC BBBK LFGP CBAF NEFB STBI FFBW RWCB MFBP SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 4510 Lower Beckleysville Road, Suite H, Hampstead, MD, USA, 21074

Website https://www.fmb1919.bank

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.

61GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.00

Price

$18.78

GF Value

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