FMBN (Farmers and Merchants Bancshares) ROC %: % (As of Dec. 2025)


FMBN Farmers and Merchants Bancshares Inc FMBN
51 GF Score
Price $35.50
GF Value $24.88
! 5 Warning Signs
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What is Farmers and Merchants Bancshares ROC %?

Farmers and Merchants Bancshares FMBN 51 ROC % is % as of Dec. 2025. GuruFocus rates FMBN with a GF Score™ of 51/100 and a GF Value™ of $24.88. The stock has 5 warning signs investors should review.

ROC %does not apply to banks.

FMBN
51GF Score
Farmers and Merchants Bancshares Inc FMBN
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Farmers and Merchants Bancshares (FMBN) has a ROC % of % as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Farmers and Merchants Bancshares and its competitors.
Is Farmers and Merchants Bancshares' ROC % too high?
Farmers and Merchants Bancshares' current ROC % is %. 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' ROC % compare to JDVB and RVSB?
Farmers and Merchants Bancshares' ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Farmers and Merchants Bancshares and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Farmers and Merchants Bancshares's current ROC % is %. 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 ROC % of %. 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 ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Farmers and Merchants Bancshares (FMBN), the current ROC % is % 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:

  • ROC %: %
  • GF Value™: $24.88 vs. price of $35.50 (42.7% above fair value)
  • GF Score™: 51/100 with 5 warning signs

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

Address 221 Jefferson Street, Burlington, IA, USA, 52601
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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ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$35.50
Price
$24.88
GF Value