FMCB · Farmers & Merchants Bancorp
Market Cap
$969.83M
Shares
691,944
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$1,401.60
Open$1,411.60
Day$1,400.07–1,412.00
52W close$1,000.00–1,505.00
Avg vol 30d113
Short int1 · 0.0% float · 1.0d
Short vol1%
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
Equibles Rating
blended score · not investment adviceOverall
Strong Buy
SellHoldBuy
Technical
Neutral
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 14.4 · calm
Equity put/call 0.62
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+15%
above
Price vs 50-day avg
+3%
above
RSI (14)
50
neutral
MACD trend
Negative
52-week position
80%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+2%
trailing
6-month return
+19%
trailing
YTD return
+26%
this year
Relative strength
+5%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $1363 › 200d $1221 — 50d above 200d
Institutional flow
Flat
0% holders QoQ
Insider flow
Flat
No net insider activity over 90 days
Short interest
Flat
0.00% of float · ▬ 0.0% MoM · 1.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
2 holders — near 5-yr high, broad support
Squeeze score
20
low risk · 0–100
Fundamentals
EPS growth
+11%
Y/Y
Free cash flow
$96.6M
Valuation
P/E 10
below peers
Buyback
$30.3M
remaining
Quant / Vol
risk profile
Volatility
20%
annualized · 1-yr
Max drawdown
−8%
past year
ATR
2.1%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+15%
Bullish
Price vs 50-day avg
+3%
Bullish
RSI (14)
50
Neutral
MACD trend
Negative
Bearish
52-week position
80%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 1 of 6
Trend (MA cross)
No cross
50d $1363 › 200d $1221 — 50d above 200d
Institutional flow
Flat
0% holders QoQ
Insider flow
Flat
No net insider activity over 90 days
Short interest
Flat
0.00% of float · ▬ 0.0% MoM · 1.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
2 holders — near 5-yr high, broad support
Price context
position in its 52-week range
Range low $1,000
Now $1,402 · 80%
Range high $1,505
vs 200-day avg +15%
vs 50-day avg +3%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Cost of average total deposits | 1.19% | Three Months Ended June 30, 2026 filing | — |
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| Yield on average loans and leases (tax equivalent) | 6.11% | Three Months Ended June 30, 2026 filing | — |
| Allowance for credit losses on gross loans and leases | 2.08% | second quarter 2026 | — |
| Common equity tier 1 ratio | 14.56% | second quarter 2026 | — |
| Convenient locations | 33 | second quarter 2026 | — |
| Delinquency ratio | 0.1% | second quarter 2026 | — |
| Efficiency ratio | 45.11% | three months ended June 30, 2026 | — |
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| Loan to deposit ratio | 73.1% | second quarter 2026 | — |
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| Net interest margin - tax equivalent | 4.22% | six months ended June 30, 2026 | — |
| Return on average assets | 1.71% | second quarter 2026 | — |
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| Return on average equity | 14.84% | second quarter 2026 | — |
| Tangible book value per common share | $963.82 | second quarter 2026 | — |
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| Tangible common equity ratio non-GAAP | 11.45% | Six-Months Ended June 30, 2026 | — |
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| Tier 1 leverage ratio | 11.68% | second quarter 2026 | — |
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| Total risk-based capital ratio | 16.04% | second quarter 2026 | — |
| Book value per common share | $946.63 | March 31, 2026 | — |
| Common equity tier 1 capital to risk-weighted assets | 14.23% | Q1 2026 | — |
| Effective tax rate | 25.67% | Three Months Ended March 31, 2026 | — |
| Loan yield | 6.08% | Three Months Ended March 31, 2026 | — |
| Percentage of checking deposits to total deposits | 46.93% | Q1 2026 | — |
| Risk-based capital to risk-weighted assets | 15.71% | Q1 2026 | — |
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| Tier 1 capital to risk-weighted assets | 14.45% | Q1 2026 | — |
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| Available-for-sale securities | $951.2M | full year 2025 | — |
| Borrowing capacity | 2.1B | full year 2025 | — |
| Cash dividends paid on common shares | $13.8M | full year 2025 | — |
| Net charge-off ratio | 0.05% | full year 2025 | — |
| Non-accrual loan and lease ratio | 0.02% | full year 2025 | — |
| Remaining authorized repurchases | $30.3M | full year 2025 | — |
| Shares repurchased | 33,562 | full year 2025 | — |
| Stock repurchases | $34.7M | full year 2025 | — |
| Total dividends per share | $19.35 | full year 2025 | — |
| Total outstanding shares | 697,904 | full year 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FMCB
this stock
Farmers & Merchants Bancorp
|
$969.83M | +26.1% | — | 10.0 | 0.0% |
|
MFG
Mizuho Financial Group Inc
|
$129.26B | +45.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.56B | -36.8% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$107.22B | +0.3% | — | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$106.80B | +26.1% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Institutional Holders
Holders
2
- % held
- 0.5%
- Net QoQ
- 0 sh
- Top holder
- Siena Capital Partners GP…
Held
Float
Short & Settlement
Financials
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FMCB | -4.3% | +2.3% | +18.8% | +1.2% | +26.1% |
| SPY | +0.5% | +3.0% | +13.4% | +3.0% | +12.8% |
| vs SPY | -4.8% | -0.7% | +5.4% | -1.8% | +13.3% |
Capital returns
Latest dividend
$5.35
/ share · ex Jun 12, 2026
Declared · upcoming
$5.60
/ share · ex Sep 11, 2026
Paid (TTM)
$20.50
/ share · 4 payouts
Dividend yield (TTM, derived)
1.46%
Buyback program
· as of Dec 31, 2025
Authorized
$55.00M
Spent (derived)
$24.70M
Remaining
$30.30M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.