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Farmers & Merchants Bank of Long BeachFMBL 59 Return-on-Tangible-Equity is 8.76% as of Jun. 2026, which is 15% above its 10-year median of 7.64. 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 1,522 Banks companies, Farmers & Merchants Bank of Long Beach ranks worse than 78.12% on this metric.
FMBL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.3 Med: 7.64 Max: 9.66
Current: 6.22
During the past 13 years, Farmers & Merchants Bank of Long Beach's highest Return-on-Tangible-Equity was 9.66%. The lowest was 3.30%. And the median was 7.64%.
FMBL's Return-on-Tangible-Equity is ranked worse than 78.12% of 1522
companies
in the Banks industry
Industry Median: 11.375
vs FMBL: 6.22
Farmers & Merchants Bank of Long Beach (OTCPK:FMBL) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Farmers & Merchants Bank of Long Beach Return-on-Tangible-Equity Related Terms
Farmers & Merchants Bank of Long Beach Return-on-Tangible-Equity 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-Equity Chart
Farmers & Merchants Bank of Long Beach Annual Data
FMBL vs CLBK, MCB, HBT: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Farmers & Merchants Bank of Long Beach's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Farmers & Merchants Bank of Long Beach's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Farmers & Merchants Bank of Long Beach's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 8.76% mean?
Farmers & Merchants Bank of Long Beach (FMBL) has a Return-on-Tangible-Equity of 8.76% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Farmers & Merchants Bank of Long Beach and its competitors. This is 15% above median its historical median of 7.64. Over the past decade, Farmers & Merchants Bank of Long Beach's Return-on-Tangible-Equity has ranged from 3.30 to 9.66. According to the industry distribution chart, Farmers & Merchants Bank of Long Beach ranks #1189 out of 1522 companies in the Banks industry, placing it in the top 78.1%.
Is Farmers & Merchants Bank of Long Beach's Return-on-Tangible-Equity too high?
Farmers & Merchants Bank of Long Beach's current Return-on-Tangible-Equity of 8.76% is 15% above median its 10-year median of 7.64. Over the past 10 years, this metric has ranged from a low of 3.30 to a high of 9.66. The Banks industry median Return-on-Tangible-Equity is 11.38. Farmers & Merchants Bank of Long Beach's value of 8.76% is 23% below this industry median. Based on the distribution chart, Farmers & Merchants Bank of Long Beach ranks #1189 out of 1522 companies in the Banks industry, which is in the bottom quartile 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 Return-on-Tangible-Equity compare to CLBK and MCB?
According to the Banks industry distribution chart, Farmers & Merchants Bank of Long Beach ranks #1189 out of 1522 companies for Return-on-Tangible-Equity. This places Farmers & Merchants Bank of Long Beach in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.38. Farmers & Merchants Bank of Long Beach's value of 8.76% is 23% below this benchmark. Historically, Farmers & Merchants Bank of Long Beach's own Return-on-Tangible-Equity has ranged from 3.30 to 9.66 over the past decade. While the company's 10-year median is 7.64 vs. the industry median of 11.38, Farmers & Merchants Bank of Long Beach 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.38, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 8.76% is 23% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Farmers & Merchants Bank of Long Beach and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.38 — 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-Equity is 8.76%, which is 15% above median its own 10-year median of 7.64. 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-Equity is 8.76%, which is 15% above median its 10-year median of 7.64 and 23% below the Banks industry median of 11.38. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Farmers & Merchants Bank of Long Beach (FMBL), the current Return-on-Tangible-Equity is 8.76% 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-Equity: 8.76% (15% above median its 10-year median of 7.64)
GF Value™: $7,236.55 vs. price of $9,804.97 (35.5% above fair value)
Industry Position: 23% below the Banks median (#1189 of 1522)
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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Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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