Farmers & Merchants Bank of Long Beach Logo

Farmers & Merchants Bank of Long Beach

FMBL

(2.8)
Stock Price

5.750,00 USD

1.95% ROA

3.95% ROE

11.48x PER

Market Cap.

664.876.600,00 USD

141.55% DER

2.37% Yield

11.52% NPM

Farmers & Merchants Bank of Long Beach Stock Analysis

Farmers & Merchants Bank of Long Beach Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Farmers & Merchants Bank of Long Beach Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.43x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

4 ROE

ROE in an average range (7.01%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (0.75%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 DER

The stock has a reasonable amount of debt compared to its ownership (75%), suggesting a balanced financial position and a moderate level of risk.

7 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (15.735), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

10 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

11 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

Farmers & Merchants Bank of Long Beach Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Farmers & Merchants Bank of Long Beach Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Sell
4 Stoch RSI Sell

Farmers & Merchants Bank of Long Beach Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Farmers & Merchants Bank of Long Beach Revenue
Year Revenue Growth
2002 124.098.806
2003 120.336.863 -3.13%
2004 128.548.633 6.39%
2005 147.018.000 12.56%
2006 150.277.000 2.17%
2008 161.093.034 6.71%
2009 184.333.000 12.61%
2010 182.320.000 -1.1%
2011 183.056.000 0.4%
2012 180.004.000 -1.7%
2013 183.677.000 2%
2014 202.512.000 9.3%
2015 215.850.000 6.18%
2016 229.747.000 6.05%
2017 245.019.000 6.23%
2018 257.222.000 4.74%
2019 266.755.000 3.57%
2020 281.884.000 5.37%
2021 317.088.000 11.1%
2022 327.569.000 3.2%
2023 275.844.000 -18.75%
2023 431.968.000 36.14%
2024 476.908.000 9.42%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Farmers & Merchants Bank of Long Beach Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Farmers & Merchants Bank of Long Beach General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 22.666.232
2003 24.742.429 8.39%
2004 26.590.193 6.95%
2005 29.312.000 9.29%
2006 33.331.000 12.06%
2008 42.612.332 21.78%
2009 47.198.577 9.72%
2010 47.031.000 -0.36%
2011 46.485.000 -1.17%
2012 54.750.000 15.1%
2013 60.811.000 9.97%
2014 67.579.000 10.01%
2015 80.391.000 15.94%
2016 80.153.000 -0.3%
2017 87.660.000 8.56%
2018 91.056.000 3.73%
2019 100.724.000 9.6%
2020 114.096.000 11.72%
2021 114.660.000 0.49%
2022 124.284.000 7.74%
2023 132.600.000 6.27%
2023 129.591.000 -2.32%
2024 134.444.000 3.61%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Farmers & Merchants Bank of Long Beach EBITDA
Year EBITDA Growth
2002 119.363.595
2003 111.935.846 -6.64%
2004 109.822.951 -1.92%
2005 114.660.000 4.22%
2006 125.533.000 8.66%
2008 84.931.112 -47.81%
2009 88.583.291 4.12%
2010 98.208.000 9.8%
2011 104.000.000 5.57%
2012 103.421.000 -0.56%
2013 101.511.000 -1.88%
2014 103.204.000 1.64%
2015 107.333.000 3.85%
2016 111.736.000 3.94%
2017 111.983.000 0.22%
2018 138.265.000 19.01%
2019 112.034.000 -23.41%
2020 105.634.000 -6.06%
2021 153.503.000 31.18%
2022 175.273.000 12.42%
2023 81.012.000 -116.35%
2023 9.201.000 -780.47%
2024 -11.396.000 180.74%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Farmers & Merchants Bank of Long Beach Gross Profit
Year Gross Profit Growth
2002 124.098.806
2003 120.336.863 -3.13%
2004 128.548.633 6.39%
2005 147.018.000 12.56%
2006 150.277.000 2.17%
2008 161.093.034 6.71%
2009 184.333.000 12.61%
2010 182.320.000 -1.1%
2011 183.056.000 0.4%
2012 180.004.000 -1.7%
2013 183.677.000 2%
2014 202.512.000 9.3%
2015 215.850.000 6.18%
2016 229.747.000 6.05%
2017 245.019.000 6.23%
2018 257.222.000 4.74%
2019 266.755.000 3.57%
2020 281.884.000 5.37%
2021 317.088.000 11.1%
2022 327.569.000 3.2%
2023 275.844.000 -18.75%
2023 431.968.000 36.14%
2024 476.908.000 9.42%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Farmers & Merchants Bank of Long Beach Net Profit
Year Net Profit Growth
2002 49.381.037
2003 47.719.127 -3.48%
2004 49.363.795 3.33%
2005 57.673.000 14.41%
2006 55.215.000 -4.45%
2008 29.722.257 -85.77%
2009 40.695.439 26.96%
2010 53.033.000 23.26%
2011 59.118.000 10.29%
2012 63.387.000 6.73%
2013 62.164.000 -1.97%
2014 62.409.000 0.39%
2015 64.948.000 3.91%
2016 71.508.000 9.17%
2017 64.764.000 -10.41%
2018 85.636.000 24.37%
2019 85.572.000 -0.07%
2020 79.801.000 -7.23%
2021 115.205.000 30.73%
2022 109.002.000 -5.69%
2023 69.548.000 -56.73%
2023 70.007.000 0.66%
2024 54.136.000 -29.32%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Farmers & Merchants Bank of Long Beach Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 364
2003 301 -21%
2004 314 4.15%
2005 369 14.95%
2006 353 -4.55%
2008 219 -61.47%
2009 311 29.68%
2010 405 23.46%
2011 452 10.2%
2012 484 6.82%
2013 475 -2.11%
2014 477 0.42%
2015 496 4.03%
2016 546 9.16%
2017 495 -10.53%
2018 654 24.46%
2019 662 1.06%
2020 623 -6.1%
2021 914 31.76%
2022 876 -4.22%
2023 564 -55.32%
2023 568 0.7%
2024 444 -27.93%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Farmers & Merchants Bank of Long Beach Free Cashflow
Year Free Cashflow Growth
2002 53.831.231
2003 65.002.125 17.19%
2004 67.508.272 3.71%
2005 0 0%
2006 0 0%
2008 59.437.538 100%
2009 81.745.476 27.29%
2010 98.111.000 16.68%
2011 110.412.000 11.14%
2012 93.348.000 -18.28%
2013 112.970.000 17.37%
2014 76.448.000 -47.77%
2015 93.718.000 18.43%
2016 94.800.000 1.14%
2017 104.143.000 8.97%
2018 116.379.000 10.51%
2019 107.018.000 -8.75%
2020 137.379.000 22.1%
2021 172.489.000 20.35%
2022 179.707.000 4.02%
2023 70.311.000 -155.59%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Farmers & Merchants Bank of Long Beach Operating Cashflow
Year Operating Cashflow Growth
2002 58.055.508
2003 69.367.387 16.31%
2004 74.547.718 6.95%
2005 0 0%
2006 0 0%
2008 82.943.449 100%
2009 83.205.949 0.32%
2010 101.202.000 17.78%
2011 116.023.000 12.77%
2012 102.888.000 -12.77%
2013 123.478.000 16.68%
2014 100.982.000 -22.28%
2015 101.356.000 0.37%
2016 102.942.000 1.54%
2017 119.008.000 13.5%
2018 129.078.000 7.8%
2019 123.975.000 -4.12%
2020 142.776.000 13.17%
2021 193.711.000 26.29%
2022 190.882.000 -1.48%
2023 108.321.000 -76.22%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Farmers & Merchants Bank of Long Beach Capital Expenditure
Year Capital Expenditure Growth
2002 4.224.277
2003 4.365.262 3.23%
2004 7.039.446 37.99%
2005 0 0%
2006 0 0%
2008 23.505.911 100%
2009 1.460.473 -1509.47%
2010 3.091.000 52.75%
2011 5.611.000 44.91%
2012 9.540.000 41.18%
2013 10.508.000 9.21%
2014 24.534.000 57.17%
2015 7.638.000 -221.21%
2016 8.142.000 6.19%
2017 14.865.000 45.23%
2018 12.699.000 -17.06%
2019 16.957.000 25.11%
2020 5.397.000 -214.19%
2021 21.222.000 74.57%
2022 11.175.000 -89.91%
2023 38.010.000 70.6%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Farmers & Merchants Bank of Long Beach Equity
Year Equity Growth
2002 522.949.505
2003 554.566.021 5.7%
2004 576.762.466 3.85%
2005 618.967.000 6.82%
2006 649.658.000 4.72%
2008 560.921.912 -15.82%
2009 586.865.023 4.42%
2010 623.080.000 5.81%
2011 670.216.000 7.03%
2012 717.259.000 6.56%
2013 759.167.000 5.52%
2014 806.561.000 5.88%
2015 855.331.000 5.7%
2016 910.313.000 6.04%
2017 959.120.000 5.09%
2018 1.027.873.000 6.69%
2019 1.082.880.000 5.08%
2020 1.143.842.000 5.33%
2021 1.241.562.000 7.87%
2022 1.313.082.000 5.45%
2023 1.337.396.000 1.82%
2023 1.351.445.000 1.04%
2024 1.360.720.000 0.68%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Farmers & Merchants Bank of Long Beach Assets
Year Assets Growth
2002 2.449.268.486
2003 2.763.538.124 11.37%
2004 2.980.034.820 7.26%
2005 3.114.640.000 4.32%
2006 3.073.472.000 -1.34%
2008 3.637.271.929 15.5%
2009 3.980.769.453 8.63%
2010 4.262.406.000 6.61%
2011 4.659.345.000 8.52%
2012 4.988.961.000 6.61%
2013 5.214.586.000 4.33%
2014 5.581.239.000 6.57%
2015 6.153.600.000 9.3%
2016 6.729.058.000 8.55%
2017 6.991.578.000 3.75%
2018 7.308.236.000 4.33%
2019 7.605.569.000 3.91%
2020 9.871.778.000 22.96%
2021 11.438.260.000 13.7%
2022 12.054.744.000 5.11%
2023 12.464.229.000 3.29%
2023 12.044.930.000 -3.48%
2024 12.193.082.000 1.22%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Farmers & Merchants Bank of Long Beach Liabilities
Year Liabilities Growth
2002 1.926.318.981
2003 2.208.972.103 12.8%
2004 2.403.272.354 8.08%
2005 2.495.673.000 3.7%
2006 2.423.814.000 -2.96%
2008 3.076.350.017 21.21%
2009 3.393.904.430 9.36%
2010 3.639.326.000 6.74%
2011 3.989.129.000 8.77%
2012 4.271.702.000 6.61%
2013 4.455.419.000 4.12%
2014 4.774.678.000 6.69%
2015 5.298.269.000 9.88%
2016 5.818.745.000 8.94%
2017 6.032.458.000 3.54%
2018 6.280.363.000 3.95%
2019 6.530.146.000 3.83%
2020 8.734.966.000 25.24%
2021 10.203.734.000 14.39%
2022 700.000.000 -1357.68%
2023 1.000.000.000 30%
2023 10.693.485.000 90.65%
2024 10.832.362.000 1.28%

Farmers & Merchants Bank of Long Beach Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
3425.41
Net Income per Share
466.13
Price to Earning Ratio
11.48x
Price To Sales Ratio
1.59x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.48
EV to Sales
3.06
EV Over EBITDA
113.7
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.09
FreeCashFlow Yield
0
Market Cap
0,66 Bil.
Enterprise Value
1,28 Bil.
Graham Number
10824.81
Graham NetNet
-77358.5

Income Statement Metrics

Net Income per Share
466.13
Income Quality
0
ROE
0.04
Return On Assets
0
Return On Capital Employed
0.02
Net Income per EBT
0.73
EBT Per Ebit
0.46
Ebit per Revenue
0.34
Effective Tax Rate
0.27

Margins

Sales, General, & Administrative to Revenue
0.31
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
1
Operating Profit Margin
0.34
Pretax Profit Margin
0.16
Net Profit Margin
0.12

Dividends

Dividend Yield
0.02
Dividend Yield %
2.37
Payout Ratio
0
Dividend Per Share
127

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.04
Return on Tangible Assets
0.02
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
11.582,99
Book Value per Share
11.172,49
Tangible Book Value per Share
-65030.37
Shareholders Equity per Share
11172.49
Interest Debt per Share
17387.19
Debt to Equity
1.42
Debt to Assets
0.16
Net Debt to EBITDA
54.57
Current Ratio
0.22
Tangible Asset Value
-7,92 Bil.
Net Current Asset Value
-9,52 Bil.
Invested Capital
4706186000
Working Capital
-4,70 Bil.
Intangibles to Total Assets
0.76
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
2.9

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Farmers & Merchants Bank of Long Beach Dividends
Year Dividends Growth
2001 20
2002 64 68.75%
2003 69 7.25%
2004 73 5.48%
2005 77 5.19%
2006 81 4.94%
2007 105 22.86%
2008 109 3.67%
2009 109 0%
2010 109 0%
2011 109 0%
2012 114 4.39%
2013 114 0%
2014 114 0%
2015 119 4.2%
2016 119 0%
2017 119 0%
2018 121 1.65%
2019 123 1.63%
2020 123 0%
2021 123 0%
2022 127 3.15%
2023 127 0%
2024 84 -51.19%

Farmers & Merchants Bank of Long Beach Profile

About Farmers & Merchants Bank of Long Beach

Farmers & Merchants Bank of Long Beach provides various banking products and services to individuals, professionals, and small to medium-sized businesses. It offers checking, savings, Christmas club savings, health savings, money market, and investment accounts; demand and time deposits; certificates of deposit; and retirement plans. The company also provides personal, home, small business administration, commercial real estate, real estate and construction, and commercial business loans, as well as lines of credit; financing for residential loans comprising single-family and multifamily loans; and credit, debit, and gift cards. In addition, it offers account management, receivables and payables, and risk management services; and merchant, electronic lockbox, mobile and remote deposit capture, digital wallet, direct deposit, escrow, faith-based and healthcare banking, and other services, as well as online and mobile banking services. As of December 31, 2021, the company operated 25 branches in Los Angeles, Orange, and Santa Barbara Counties. Farmers & Merchants Bank of Long Beach was incorporated in 1907 and is headquartered in Long Beach, California.

CEO
Mr. W. Henry Walker
Employee
815
Address
302 Pine Avenue
Long Beach, 90802

Farmers & Merchants Bank of Long Beach Executives & BODs

Farmers & Merchants Bank of Long Beach Executives & BODs
# Name Age
1 Mr. Phil Sblendorio
Senior Vice President & Regional Manager
70
2 Mr. James Robison
Senior Vice President & Branch Manager of Artesia
70
3 Mr. Scott Dowds
Senior Vice President & Branch Manager of Fullerton
70
4 Mr. Daniel K. Walker
Executive Chairman
70
5 Mr. W. Henry Walker
Chief Executive Officer
70
6 Mr. Kevin M. Tiber
President & Chief Investment Officer
70
7 Ms. Taylor L. Hoang
Executive Vice President & Chief Financial Officer
70
8 Ms. Melissa Lanfre
Executive Vice President & Chief Operating Officer
70
9 Mr. Phillip J. Bond
Executive Vice President & Chief Credit Officer
70
10 Mr. Evan Pondel
Investor Relations Contact, PondelWilkinson Inc.
70

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