Stocktoria
FARMERS & MERCHANTS BANCORP FMCB
FARMERS & MERCHANTS BANCORP (FMCB) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 1.51% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| FMCB | FARMERS & MERCHANTS BANCORP | 4/9 | — | 9.8 | — |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
| JPM | JPMORGAN CHASE & CO | 2/9 | — | 15.5 | +2.8% |
| BAC | BANK OF AMERICA CORP /DE/ | 5/9 | — | 13.5 | +6.8% |
| C | CITIGROUP INC | 3/9 | — | 17 | +5.6% |
| COF | CAPITAL ONE FINANCIAL CORP | 4/9 | — | 51.2 | +36.6% |
| USB | US BANCORP DE | 6/9 | — | 12.1 | +4.4% |
All Finance, Insurance & Real Estate companies →
About FARMERS & MERCHANTS BANCORP
Farmers & Merchants Bancorp operates as the bank holding company for Farmers & Merchants Bank of Central California that provides various banking services to businesses and individuals in the United States. The company provides deposit products, including checking, savings, money market, time certificates of deposit, and individual retirement accounts. It also offers a range of lending products, such as commercial, commercial and residential real estate, real estate construction, agribusiness, and consumer loans, as well as equipment leases and credit card services; commercial products, including term loans, lines of credit and other working capital financing, and letters of credit; and financing products, such as automobile financing, home improvement, and home equity lines of credit. In addition, the company provides specialized services that include credit card programs for merchants, lockbox and other collection services, account reconciliation, investment sweep, online account access, and electronic funds transfers through domestic and international wire and automated clearinghouse; online banking services; and investment products, such as mutual funds and annuities. Farmers & Merchants Bancorp was founded in 1916 and is headquartered in Lodi, California.
FAQ
Is FMCB financially healthy?
FARMERS & MERCHANTS BANCORP's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does FMCB pay a dividend, and is it safe?
Yes. FARMERS & MERCHANTS BANCORP pays a dividend yielding about 1.51% with a 14.8% payout ratio, rated “safe” for safety.
How profitable is FMCB?
In FY2025, FARMERS & MERCHANTS BANCORP had a return on equity of 14.5%.
Is FMCB overvalued or undervalued?
FARMERS & MERCHANTS BANCORP trades at about 10.4× trailing earnings — near its 10-year norm (10-year range 8.4×–11.0×, median 10.3×). Stocktoria reports the data, not buy/sell advice.
Is FMCB a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on FARMERS & MERCHANTS BANCORP: a Piotroski F-score of 4/9, a P/E of about 9.8×, a dividend yield of 1.51%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.