FMBL (Farmers & Merchants Bank of Long Beach) Moat Score: 6/10 (As of Jul. 31, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FMBL Farmers & Merchants Bank of Long Beach FMBL
59 GF Score
Price $9,804.97
GF Value $7,236.55
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Farmers & Merchants Bank of Long Beach Moat Score?

Farmers & Merchants Bank of Long Beach FMBL 59 Moat Score is 6 as of Jul. 31, 2026. GuruFocus rates FMBL with a GF Score™ of 59/100 and a GF Value™ of $7,236.55 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,609 Banks companies, Farmers & Merchants Bank of Long Beach ranks better than 97.82% on this metric.

Farmers & Merchants Bank of Long Beach has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Farmers & Merchants Bank of Long Beach has Narrow Moat: Farmers & Merchants Bank of Long Beach has a strong narrow moat with deep customer loyalty and a strong regional presence. It benefits from economies of scale and a robust distribution network, but lacks significant pricing power or exclusive licenses to achieve a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Farmers & Merchants Bank of Long Beach might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Farmers & Merchants Bank of Long Beach  (OTCPK:FMBL) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Farmers & Merchants Bank of Long Beach Moat Score Related Terms

FMBL vs CLBK, MCB, HBT: Moat Score Comparison

For the Banks - Regional subindustry, Farmers & Merchants Bank of Long Beach's Moat Score, along with its competitors' market caps and Moat Score 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 Bank of Long Beach Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Farmers & Merchants Bank of Long Beach's Moat Score distribution charts can be found below:

* The bar in red indicates where Farmers & Merchants Bank of Long Beach's Moat Score falls into.


FMBL
59GF Score
Farmers & Merchants Bank of Long Beach FMBL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Farmers & Merchants Bank of Long Beach (FMBL) has a Moat Score of 6 as of Jul. 31, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Farmers & Merchants Bank of Long Beach ranks #35 out of 1609 companies in the Banks industry, placing it in the top 2.2%.
Is Farmers & Merchants Bank of Long Beach's Moat Score too high?
Farmers & Merchants Bank of Long Beach's current Moat Score is 6. Based on the distribution chart, Farmers & Merchants Bank of Long Beach ranks #35 out of 1609 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Farmers & Merchants Bank of Long Beach has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Farmers & Merchants Bank of Long Beach's Moat Score compare to CLBK and MCB?
According to the Banks industry distribution chart, Farmers & Merchants Bank of Long Beach ranks #35 out of 1609 companies for Moat Score. This places Farmers & Merchants Bank of Long Beach in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Farmers & Merchants Bank of Long Beach's current Moat Score is 6. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Farmers & Merchants Bank of Long Beach stock overvalued right now?
Based on GuruFocus' analysis, Farmers & Merchants Bank of Long Beach (FMBL) is currently considered Significantly Overvalued. The stock's GF Value™ is $7,236.55, compared to a current price of $9,804.97 — trading 35.5% above its estimated fair value. The current Moat Score is 6. Farmers & Merchants Bank of Long Beach's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Farmers & Merchants Bank of Long Beach (FMBL), the current Moat Score is 6 as of Jul. 31, 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 Bank of Long Beach (FMBL) Overvalued in 2026?

Based on GuruFocus' analysis, Farmers & Merchants Bank of Long Beach stock appears to be overvalued. The current stock price of $9,804.97 is trading 35.5% above its estimated GF Value™ of $7,236.55. GuruFocus considers Farmers & Merchants Bank of Long Beach to be Significantly Overvalued.

Key valuation signals for FMBL:

  • Moat Score: 6
  • GF Value™: $7,236.55 vs. price of $9,804.97 (35.5% above fair value)
  • GF Score™: 59/100 with 5 warning signs

No single metric tells the full story. See the FMBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Farmers & Merchants Bank of Long Beach Business Description

Address 302 Pine Avenue, Long Beach, CA, USA, 90802
Farmers & Merchants Bank of Long Beach offers a broad range of banking products and services to individuals, professionals, and small to medium sized businesses. The bank operates branches across California's Los Angeles County, Orange County, and Santa Barbara County, supported by online and mobile banking platforms. As a full service commercial bank, it provides services including demand, money market, savings, and time deposits, as well as loans such as commercial real estate, construction, commercial business, and residential loans, including single family and multifamily financing, along with other business oriented banking services.
59GF Score

Get the complete analysis for FMBL

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9,804.97
Price
$7,236.55
GF Value