FMCB Company Profile and Key Details

Q: Who are the executives of FMCB?

Mr. Bart R. OlsonExecutive Vice President of Fin.Mr. Kyle E. KoelbelExecutive Vice President & Enterprise Risk OfficerKyle E. KoelbelExecutive Vice President & Enterprise Risk OfficerMr. Ryan J. MisasiExecutive Vice President & Retail Banking Division Mang.Charles F. BroomSenior Vice President & Director of HRMr. Kent A. SteinwertChairman, Pres & Chief Executive OfficerMr. David M. ZitterowExecutive Vice President & Director of BankingMr. John W. WeubbeExecutive Vice President & Chief Credit OfficerMr. Stephen W. HaleyExecutive OfficerMr. Jay J. ColombiniExecutive Vice President & Chief Credit OfficerMs. Deborah E. SkinnerExecutive Vice President & Chief Admin. Officer

PNK : FMCB

Farmers & Merchants Bancorp

$990.00

-10-1.00%

At Close 4:00 PM

Profile Key Stats Analyst Ratings Ownership Ratios Financials Dividend & splits Sentiment Forecast

Price Chart

Stock Price Today

Farmers & Merchants Bancorp (FMCB) stock remained unchanged at $1,125.00 a share on OTC. The stock opened at $1,112.00, fluctuating between $1,112.00 to $1,125.00 during the session.

Stock Snapshot

1125

Prev. Close

810.41M

Market Cap

1112

Day Low

8.6

P/E Ratio

130.79

EPS (TTM)

64.88

Cash Flow per Share

1.11K

Open

720.37K

Number of Shares

1125

Day High

81.44%

Free Float in %

760.16

Book Value

193

Volume

Relevant Articles

SEC Fillings

Current Report (8-k)

Filing Date	Accepted Date

Annual Report (10-k)

Filing Date	Accepted Date

Stock Price History Chart

Date	Open	High	Low	Close	Volume
Dec 24, 2025	1,112.00	1,125.00	1,112.00	1,125.00	352
Dec 23, 2025	1,100.00	1,125.00	1,100.00	1,125.00	35
Dec 22, 2025	1,125.00	1,125.00	1,125.00	1,125.00	17
Dec 19, 2025	1,125.00	1,125.00	1,124.88	1,124.88	12
Dec 17, 2025	1,100.00	1,110.00	1,100.00	1,100.00	62
Dec 16, 2025	1,060.00	1,085.00	1,060.00	1,075.00	50
Dec 15, 2025	1,100.00	1,110.00	1,037.96	1,100.00	95
Dec 12, 2025	1,075.00	1,099.00	1,075.00	1,098.00	86
Dec 11, 2025	1,070.01	1,100.00	1,040.00	1,075.00	85
Dec 10, 2025	1,091.00	1,100.00	1,067.01	1,067.01	150
Dec 09, 2025	1,080.00	1,134.98	1,067.00	1,090.00	173
Dec 08, 2025	1,080.00	1,090.00	1,067.00	1,090.00	84
Dec 05, 2025	1,078.00	1,100.00	1,078.00	1,100.00	716
Dec 04, 2025	1,079.00	1,080.00	1,075.00	1,075.00	328
Dec 03, 2025	1,075.00	1,080.00	1,067.00	1,080.00	116
Dec 02, 2025	1,069.00	1,081.00	1,067.07	1,067.07	42
Dec 01, 2025	1,060.00	1,060.00	1,060.00	1,060.00	14
Nov 28, 2025	1,060.00	1,060.00	1,059.75	1,060.00	26
Nov 26, 2025	1,055.00	1,065.00	1,050.00	1,050.00	114
Nov 25, 2025	1,060.00	1,065.00	1,045.00	1,051.00	357

Contact Details

Lodi, CA 95240

United States

https://www.fmbonline.com 209 367 2300

About Company

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. The company accepts various deposit instruments, including checking, savings, money market, time certificates of deposit, and individual retirement accounts. It also offers range of lending products comprising 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 various specialized services consisting of 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; and online banking services. Further, it offers investment products, such as mutual funds and annuities. The company serves its customers through 29 full-service branches and 3 stand-alone automated teller machines in the mid Central Valley of California, including Sacramento, San Joaquin, Solano, Stanislaus, and Merced counties, as well as the east region of the San Francisco Bay Area comprising Napa, Alameda, and Contra Costa counties. Farmers & Merchants Bancorp was founded in 1916 and is headquartered in Lodi, California.

Stock Peers

FINN

First National of Nebraska, Inc.$11,850.00 SBNC

94.98+1.68%

Southern BancShares (N.C.), Inc.$5,749.98 FMBL

20+0.43%

Farmers & Merchants Bank of Long Beach$4,645.00 SWZNF

Schweizerische Nationalbank$4,323.18 FCNCB

-15-1.01%

First Citizens BancShares, Inc.$1,475.00 CBCYB

Central Bancompany, Inc.$630.00 WTBFA

W.T.B. Financial Corporation$525.00 BKUT

Bank of Utica$505.00 BKUTK

Bank of Utica$380.00 RCBC

2+0.68%

River City Bank$294.00

Company Overview

The stock is currently trading near its 52-week high $976.00 and $1.13 thousand. With a market capitalization of about $810.41 million, Farmers & Merchants Bancorp is classified as a small-cap and shows lower-than-market volatility (beta ~0.03). Key stats such as the average daily volume over the past year has been around 196.00 shares, in line with its 52-week average. Headquartered in Lodi, CA, Farmers & Merchants Bancorp operates in the Financial Services sector and the Banks - Regional industry. Led by CEO Kent A. Steinwert, the company employs approximately 373 people and listed since August 20, 1999. 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.

Technical Performance

Average 10-day trading volume of 89.00 shares is below the 3-month average of 155.65, indicating normal recent market interest.

Valuation Metrics

Farmers & Merchants Bancorp trades at a P/E ratio of 8.71, slightly below the S&P 500 average, with a price-to-sales ratio of 2.77 and a price-to-book ratio of 1.27 suggesting the stock is closer to book value. The P/FCF stands at 7.63, also above market averages.

Dividend & Fair Value

Farmers & Merchants Bancorp last paid a dividend of 19.35 per share, this equals a trailing yield of roughly 1.81%. Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $3.04 thousand. This means the shares are trading below this model’s fair value.

Earnings & Analyst Outlook

Farmers & Merchants Bancorp earnings surprise history is a mixed track record. The quarter that ended May 09, 2023, missed forecasts by 4081.13%. The prior quarter beat by 2917.91%. Over the last six quarters, Apple has recorded several small beats. These include 4550.0% in July 26, 2021.

Financial & Profitability Overview

Over the trailing twelve months, Farmers & Merchants Bancorp generated $265.69M in revenue, or $350.83 per share. Gross margin was 101.12%, operating margin 101.12%, and net profit margin 33.24%. Returns are modest, with ROA at 1.66% and ROE at 16.06%.
On valuation metrics, Farmers & Merchants Bancorp trades at a P/E of 8.71, P/S of 2.77 and P/B of 1.27. Liquidity is tight, with a current ratio of 0.10 and quick ratio of 0.10. Operationally, the company’s inventory turnover is 0.00 and cash conversion cycle is 241.01 days. Debt-to-equity is 0.02, supported by a cash flow-to-debt ratio of 10.64.

Quarterly Financial Highlights

For the quarter ended Dec 31, 2023, Farmers & Merchants Bancorp posted revenue of $265.69M, down slightly from $199.30M in the prior quarter. Gross profit was $268.67M (margin 101.12%). Operating income was $268.67M (margin 101.1%). Net income was$88.31M (EPS $116.61).
The company ended the quarter with - $410.64M in cash and short-term investments, a total debt of $13.14M, and net debt of - $397.50M. Total assets were $5.33B, with equity of $549.76M. Financials further reflected stability, with operating cash flow of $93.35M, free cash flow of $88.38M, and capital expenditures of - $4.97M.

Price Forecast & Outlook

Our AI price prediction model suggests that Farmers & Merchants Bancorp stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term.

Key Takeaways

Valuation shows Farmers & Merchants Bancorp trading at a premium to the broader market with a P/E of 8.71.

Frequently Asked Questions

What is the current Farmers & Merchants Bancorp (FMCB) stock price?

Farmers & Merchants Bancorp (OTC: FMCB) stock price is $1,125.00 in the last trading session. During the trading session, FMCB stock reached the peak price of $1,125.00 while $1,112.00 was the lowest point it dropped to. The percentage change in FMCB stock occurred in the recent session was 0% while the dollar amount for the price change in FMCB stock was $0.00.

FMCB's industry and sector of operation?

The OTC listed FMCB is part of Banks - Regional industry that operates in the broader Financial Services sector. Farmers & Merchants Bancorp designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories worldwide.

Who are the executives of FMCB?

Mr. Bart R. Olson
Executive Vice President of Fin.
Mr. Kyle E. Koelbel
Executive Vice President & Enterprise Risk Officer
Kyle E. Koelbel
Executive Vice President & Enterprise Risk Officer
Mr. Ryan J. Misasi
Executive Vice President & Retail Banking Division Mang.
Charles F. Broom
Senior Vice President & Director of HR
Mr. Kent A. Steinwert
Chairman, Pres & Chief Executive Officer
Mr. David M. Zitterow
Executive Vice President & Director of Banking
Mr. John W. Weubbe
Executive Vice President & Chief Credit Officer
Mr. Stephen W. Haley
Executive Officer
Mr. Jay J. Colombini
Executive Vice President & Chief Credit Officer
Ms. Deborah E. Skinner
Executive Vice President & Chief Admin. Officer

How FMCB did perform over past 52-week?

FMCB's closing price is 6.22% higher than its 52-week low of $976.00 where as its distance from 52-week high of $1,134.98 is -10%.

How many employees does FMCB have?

Number of FMCB employees currently stands at 373.

Link for FMCB official website?

Official Website of FMCB is: https://www.fmbonline.com

How do I contact FMCB?

FMCB could be contacted at phone 209 367 2300 and can also be accessed through its website. FMCB operates from 111 West Pine Street, Lodi, CA 95240, United States.

How many shares of FMCB are traded daily?

FMCB stock volume for the day was 193 shares. The average number of FMCB shares traded daily for last 3 months was 196.

What is the market cap of FMCB currently?

The market value of FMCB currently stands at $810.41M with its latest stock price at $1,125.00 and 720.37K of its shares outstanding.

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Employees	373
Beta	0.03
Sales or Revenue	$265.69M
5Y Sales Change%	0.651%
Fiscal Year Ends	December
Sector	Financial Services
Industry	Banks - Regional

FMCB Company Profile and Key Details

Farmers & Merchants Bancorp

Price Chart

Stock Price Today

Stock Snapshot

Relevant Articles

SEC Fillings

Current Report (8-k)

Annual Report (10-k)

Stock Price History Chart

Contact Details

About Company

Company Information

Stock Peers

Company Overview

Technical Performance

Valuation Metrics

Dividend & Fair Value

Earnings & Analyst Outlook

Financial & Profitability Overview

Quarterly Financial Highlights

Price Forecast & Outlook

Key Takeaways

Frequently Asked Questions

Financial & Profitability Overview

Quarterly Financial Highlights

Technical Performance

Dividend & Fair Value

Company Overview

Key Takeaways

Price Forecast & Outlook

Valuation Metrics