FMFG (Farmers and Merchants Bancshares (MD)) Tariff Resilience Score: 9/10 (As of Jul. 04, 2026)


FMFG Farmers and Merchants Bancshares Inc (MD) FMFG
61 GF Score
Price $19.00
GF Value $18.78
Valuation Fairly Valued
! 4 Warning Signs
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What is Farmers and Merchants Bancshares (MD) Tariff Resilience Score?

Farmers and Merchants Bancshares (MD) FMFG 61 Tariff Resilience Score is 9 as of Jul. 04, 2026. GuruFocus rates FMFG with a GF Score™ of 61/100 and a GF Value™ of $18.78 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,607 Banks companies, Farmers and Merchants Bancshares (MD) ranks better than 99.25% on this metric.

Farmers and Merchants Bancshares (MD) has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

Farmers and Merchants Bancshares (MD) has FMFG, a regional bank, has limited exposure to international trade tariffs. Its operations are primarily domestic, with no significant import/export activities, making it highly resilient to tariff changes.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Farmers and Merchants Bancshares (MD) might have Highly Resilient.

Farmers and Merchants Bancshares (MD)  (OTCPK:FMFG) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Farmers and Merchants Bancshares (MD) Tariff Resilience Score Related Terms

FMFG vs BAOB, CEFC, BBBK: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Farmers and Merchants Bancshares (MD)'s Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 (MD) Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, Farmers and Merchants Bancshares (MD)'s Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Farmers and Merchants Bancshares (MD)'s Tariff Resilience Score falls into.


FMFG
61GF Score
Farmers and Merchants Bancshares Inc (MD) FMFG
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
Farmers and Merchants Bancshares (MD) (FMFG) has a Tariff Resilience Score of 9 as of Jul. 04, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Farmers and Merchants Bancshares (MD) ranks #12 out of 1607 companies in the Banks industry, placing it in the top 0.7%.
Is Farmers and Merchants Bancshares (MD)'s Tariff Resilience Score too high?
Farmers and Merchants Bancshares (MD)'s current Tariff Resilience Score is 9. Based on the distribution chart, Farmers and Merchants Bancshares (MD) ranks #12 out of 1607 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Farmers and Merchants Bancshares (MD) has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Farmers and Merchants Bancshares (MD)'s Tariff Resilience Score compare to BAOB and CEFC?
According to the Banks industry distribution chart, Farmers and Merchants Bancshares (MD) ranks #12 out of 1607 companies for Tariff Resilience Score. This places Farmers and Merchants Bancshares (MD) in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Farmers and Merchants Bancshares (MD)'s current Tariff Resilience Score is 9. 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 (MD) stock overvalued right now?
Based on GuruFocus' analysis, Farmers and Merchants Bancshares (MD) (FMFG) is currently considered Fairly Valued. The stock's GF Value™ is $18.78, compared to a current price of $19.00 — trading 1.2% above its estimated fair value. The current Tariff Resilience Score is 9. Farmers and Merchants Bancshares (MD)'s overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Farmers and Merchants Bancshares (MD) (FMFG), the current Tariff Resilience Score is 9 as of Jul. 04, 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 and Merchants Bancshares (MD) (FMFG) Overvalued in 2026?

Based on GuruFocus' analysis, Farmers and Merchants Bancshares (MD) stock appears to be overvalued. The current stock price of $19.00 is trading 1.2% above its estimated GF Value™ of $18.78. GuruFocus considers Farmers and Merchants Bancshares (MD) to be Fairly Valued.

Key valuation signals for FMFG:

  • Tariff Resilience Score: 9
  • GF Value™: $18.78 vs. price of $19.00 (1.2% above fair value)
  • GF Score™: 61/100 with 4 warning signs

No single metric tells the full story. See the FMFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Farmers and Merchants Bancshares (MD) Business Description

Address 4510 Lower Beckleysville Road, Suite H, Hampstead, MD, USA, 21074
Farmers and Merchants Bancshares Inc (MD) is an independent community bank, offering a broad range of financial services. The Bank provides banking services to individuals and businesses located in Baltimore County, Maryland, Carroll County, Maryland, and surrounding areas of northern Maryland. It provides Personal, Business, and Electronic banking services.
61GF Score

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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.00
Price
$18.78
GF Value