* 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 OCF Margin % Chart
For the Banks - Regional subindustry, Farmers and Merchants Bancshares's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Farmers and Merchants Bancshares's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Farmers and Merchants Bancshares's OCF Margin % falls into.
* 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 (FMBN) has a OCF Margin % of 18.56% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Farmers and Merchants Bancshares and its competitors. This is 15% above median its historical median of 16.16. Over the past decade, Farmers and Merchants Bancshares' OCF Margin % has ranged from 7.87 to 46.94.
Is Farmers and Merchants Bancshares' OCF Margin % too high?
Farmers and Merchants Bancshares' current OCF Margin % of 18.56% is 15% above median its 10-year median of 16.16. Over the past 10 years, this metric has ranged from a low of 7.87 to a high of 46.94. The Banks industry median OCF Margin % is 29.44. Farmers and Merchants Bancshares' value of 18.56% is 37% below this industry median. Overall, Farmers and Merchants Bancshares has a GF Score™ of 51/100, reflecting its overall financial health beyond just this single metric.
How does Farmers and Merchants Bancshares' OCF Margin % compare to JDVB and RVSB?
Farmers and Merchants Bancshares' OCF Margin % of 18.56% can be compared against companies in the Banks industry. The industry median OCF Margin % is 29.44. Farmers and Merchants Bancshares' value of 18.56% is 37% below this benchmark. Historically, Farmers and Merchants Bancshares' own OCF Margin % has ranged from 7.87 to 46.94 over the past decade. While the company's 10-year median is 16.16 vs. the industry median of 29.44, Farmers and Merchants Bancshares has consistently been below 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Farmers and Merchants Bancshares's current OCF Margin % of 18.56% is 37% below 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Farmers and Merchants Bancshares and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Farmers and Merchants Bancshares's current OCF Margin % is 18.56%, which is 15% above median its own 10-year median of 16.16. 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 stock overvalued right now?
Farmers and Merchants Bancshares (FMBN) has a current OCF Margin % of 18.56%. The stock's GF Value™ is $24.88, compared to a current price of $35.50 — trading 42.7% above its estimated fair value. The current OCF Margin % is 18.56%, which is 15% above median its 10-year median of 16.16 and 37% below the Banks industry median of 29.44. Farmers and Merchants Bancshares' overall GF Score™ is 51/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Farmers and Merchants Bancshares (FMBN), the current OCF Margin % is 18.56% as of Dec. 2025. 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 (FMBN) Overvalued in 2026?
Based on GuruFocus' analysis, Farmers and Merchants Bancshares stock appears to be overvalued.
The current stock price of $35.50 is trading 42.7% above its estimated GF Value™ of $24.88.
Key valuation signals for FMBN:
OCF Margin %: 18.56% (15% above median its 10-year median of 16.16)
GF Value™: $24.88 vs. price of $35.50 (42.7% above fair value)
No single metric tells the full story. See the FMBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Farmers and Merchants Bancshares Business Description
Farmers and Merchants Bancshares Inc is a bank holding company. The company provides financial services through its offices in the greater Burlington, Iowa area. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, agricultural, commercial and installment loans.
51GF Score
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