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Farmers & Merchants Bank of Long BeachFMBL 59 Return-on-Tangible-Asset is 1.20% as of Jun. 2026, which is 28% above its 10-year median of 0.94. 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 1,528 Banks companies, Farmers & Merchants Bank of Long Beach ranks worse than 63.22% on this metric.
FMBL'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.38 Med: 0.94 Max: 1.2
Current: 0.81
During the past 13 years, Farmers & Merchants Bank of Long Beach's highest Return-on-Tangible-Asset was 1.20%. The lowest was 0.38%. And the median was 0.94%.
FMBL's Return-on-Tangible-Asset is ranked worse than 63.22% of 1528
companies
in the Banks industry
Industry Median: 1.01
vs FMBL: 0.81
Farmers & Merchants Bank of Long Beach (OTCPK:FMBL) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Farmers & Merchants Bank of Long Beach Return-on-Tangible-Asset Related Terms
Farmers & Merchants Bank of Long Beach Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
Farmers & Merchants Bank of Long Beach Annual Data
FMBL vs CLBK, MCB, HBT: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Farmers & Merchants Bank of Long Beach's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Farmers & Merchants Bank of Long Beach's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Farmers & Merchants Bank of Long Beach's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.20% mean?
Farmers & Merchants Bank of Long Beach (FMBL) has a Return-on-Tangible-Asset of 1.20% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Farmers & Merchants Bank of Long Beach and its competitors. This is 28% above median its historical median of 0.94. Over the past decade, Farmers & Merchants Bank of Long Beach's Return-on-Tangible-Asset has ranged from 0.38 to 1.20. According to the industry distribution chart, Farmers & Merchants Bank of Long Beach ranks #966 out of 1528 companies in the Banks industry, placing it in the top 63.2%.
Is Farmers & Merchants Bank of Long Beach's Return-on-Tangible-Asset too high?
Farmers & Merchants Bank of Long Beach's current Return-on-Tangible-Asset of 1.20% is 28% above median its 10-year median of 0.94. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 1.20. The Banks industry median Return-on-Tangible-Asset is 1.01. Farmers & Merchants Bank of Long Beach's value of 1.20% is 18.8% above this industry median. Based on the distribution chart, Farmers & Merchants Bank of Long Beach ranks #966 out of 1528 companies in the Banks industry, which is below 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 Return-on-Tangible-Asset compare to CLBK and MCB?
According to the Banks industry distribution chart, Farmers & Merchants Bank of Long Beach ranks #966 out of 1528 companies for Return-on-Tangible-Asset. This places Farmers & Merchants Bank of Long Beach in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.01. Farmers & Merchants Bank of Long Beach's value of 1.20% is 18.8% above this benchmark. Historically, Farmers & Merchants Bank of Long Beach's own Return-on-Tangible-Asset has ranged from 0.38 to 1.20 over the past decade. While the company's 10-year median is 0.94 vs. the industry median of 1.01, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset 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 Return-on-Tangible-Asset of 1.20% is 18.8% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Farmers & Merchants Bank of Long Beach and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — 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 Return-on-Tangible-Asset is 1.20%, which is 28% above median its own 10-year median of 0.94. 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 Return-on-Tangible-Asset is 1.20%, which is 28% above median its 10-year median of 0.94 and 18.8% above the Banks industry median of 1.01. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Farmers & Merchants Bank of Long Beach (FMBL), the current Return-on-Tangible-Asset is 1.20% 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:
Return-on-Tangible-Asset: 1.20% (28% above median its 10-year median of 0.94)
GF Value™: $7,236.55 vs. price of $9,804.97 (35.5% above fair value)
Industry Position: 18.8% above the Banks median (#966 of 1528)
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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