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Farmers & Merchants Bank of Long Beach (FMBL) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Farmers & Merchants Bank of Long Beach

FMBLMarket cap $1.18BPrice $9750.0

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs a community bank in Long Beach, California, serving local families and businesses since 1907. Rare among peers, it's stayed independent through a century of consolidation, prioritizing conservative lending over rapid growth or acquisition.

In Bastion Portfolios?

52W Return+39%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)-3%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+4%–

Rev CAGR (5y)+3%3

Earnings Forecast

EPS Growth Y+1na–

EPS Growth Y+2na–

EPS Growth Y+3+2%4

Quality

Margins

EBIT Margin0%3

Net Income Margin28%9

Free Cash Flow Marginna–

Debt

Net Debt/EBITDAna–

Efficiency

ROE7%3

ROA1%3

Earnings Stability44

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)na–

P/E Ratio (Forward 3y)164

P/BV0.810

EV Multiples

EV/EBITDA Fwdna–

EV/EBIT Fwdna–

Yield

Free Cash Flow Yield0.0%8

Dividend Yield1.1%3

Momentum

Short term

1 month return-2%7

3 month return+6%8

YTD return+18%7

Mid term

Price vs 52wHigh98%10

1 year return+39%8

Long term

3 year return+133%8

5 year return+30%5

Risk Shield

Price Risk

Beta0.210

Volatility9%10

Free Cash Flow

Free Cash Flow Marginna–

Free Cash Flow Yield0.0%8

Quality

ROCE9%3

Earnings Stability44

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

FMBLFarmers & Merchants Bank of Long Beach

Revenue FY25$293M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-3%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+4%–

Revenue, next 5Y, CAGR+3%3

EARNINGS FORECAST▾SCORE

EPS growth, FY26Ena–

EPS growth, FY27Ena–

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

After shrinking over the last 3 years, revenue is set to grow 4%/yr from here.

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to grow 4%/yr over the next 3 years, behind most of the market.3/10

Over five years revenue is set to grow 3%/yr, behind 70% of companies worldwide.3/10

Earnings are set to fall even as revenue grows (EPS about 0%/yr vs revenue 4%/yr).

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's turning around. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG84 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return+6%8

YTD return+18%7

MID & LONG-TERM▾SCORE

% of 52-week high98%10

1-year return+39%8

3-year return+133%8

5-year return+30%5

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +133% over three years and +30% over five, ahead of 60% of the market.

It's up 39% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%), over three months (+6%) and so far this year (+18%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Farmers & Merchants Bank of Long Beach. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

FMBLFarmers & Merchants Bank of Long Beach

Revenue FY25$293M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-3%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+4%–

Revenue, next 5Y, CAGR+3%3

EARNINGS FORECAST▾SCORE

EPS growth, FY26Ena–

EPS growth, FY27Ena–

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

After shrinking over the last 3 years, revenue is set to grow 4%/yr from here.

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to grow 4%/yr over the next 3 years, behind most of the market.3/10

Over five years revenue is set to grow 3%/yr, behind 70% of companies worldwide.3/10

Earnings are set to fall even as revenue grows (EPS about 0%/yr vs revenue 4%/yr).

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's turning around. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG84 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return+6%8

YTD return+18%7

MID & LONG-TERM▾SCORE

% of 52-week high98%10

1-year return+39%8

3-year return+133%8

5-year return+30%5

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +133% over three years and +30% over five, ahead of 60% of the market.

It's up 39% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%), over three months (+6%) and so far this year (+18%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Farmers & Merchants Bank of Long Beach. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community