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Farmers & Merchants Bank of Long Beach (OTCPK:FMBL) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Farmers & Merchants Bank of Long Beach Net Margin % Related Terms
Farmers & Merchants Bank of Long Beach Net 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 & Merchants Bank of Long Beach Net Margin % Chart
Farmers & Merchants Bank of Long Beach Annual Data
For the Banks - Regional subindustry, Farmers & Merchants Bank of Long Beach's Net Margin %, along with its competitors' market caps and Net 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 Bank of Long Beach Net 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 & Merchants Bank of Long Beach (FMBL) has a Net Margin % of 35.90% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Farmers & Merchants Bank of Long Beach and its competitors. This is 21% above median its historical median of 29.72. Over the past decade, Farmers & Merchants Bank of Long Beach's Net Margin % has ranged from 17.50 to 36.33. According to the industry distribution chart, Farmers & Merchants Bank of Long Beach ranks #687 out of 1526 companies in the Banks industry, placing it in the top 45%.
Is Farmers & Merchants Bank of Long Beach's Net Margin % too high?
Farmers & Merchants Bank of Long Beach's current Net Margin % of 35.90% is 21% above median its 10-year median of 29.72. Over the past 10 years, this metric has ranged from a low of 17.50 to a high of 36.33. The Banks industry median Net Margin % is 27.06. Farmers & Merchants Bank of Long Beach's value of 35.90% is 32.7% above this industry median. Based on the distribution chart, Farmers & Merchants Bank of Long Beach ranks #687 out of 1526 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to CLBK and MCB?
According to the Banks industry distribution chart, Farmers & Merchants Bank of Long Beach ranks #687 out of 1526 companies for Net Margin %. This puts Farmers & Merchants Bank of Long Beach in the upper half of its industry. The industry median Net Margin % is 27.06. Farmers & Merchants Bank of Long Beach's value of 35.90% is 32.7% above this benchmark. Historically, Farmers & Merchants Bank of Long Beach's own Net Margin % has ranged from 17.50 to 36.33 over the past decade. While the company's 10-year median is 29.72 vs. the industry median of 27.06, Farmers & Merchants Bank of Long Beach 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.06, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Farmers & Merchants Bank of Long Beach's current Net Margin % of 35.90% is 32.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Farmers & Merchants Bank of Long Beach and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Farmers & Merchants Bank of Long Beach's current Net Margin % is 35.90%, which is 21% above median its own 10-year median of 29.72. 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 Net Margin % is 35.90%, which is 21% above median its 10-year median of 29.72 and 32.7% above the Banks industry median of 27.06. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Farmers & Merchants Bank of Long Beach (FMBL), the current Net Margin % is 35.90% 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 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:
Net Margin %: 35.90% (21% above median its 10-year median of 29.72)
GF Value™: $7,236.55 vs. price of $9,804.97 (35.5% above fair value)
Industry Position: 32.7% above the Banks median (#687 of 1526)
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 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
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