Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Farmers & Merchants Bancorp (California) should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.99%
EBIT Growth (5y)
10.73%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
14.44%
Pledged Shares
0
Institutional Holding
0.63%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.12
EV to EBIT
4.50
EV to EBITDA
4.42
EV to Capital Employed
1.16
EV to Sales
2.04
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
25.75%
ROE (Latest)
14.20%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
NII(Q)
Highest at USD 56.73 MM
ROCE(HY)
Highest at 1.69%
NET SALES(Q)
Highest at USD 71.7 MM
NET PROFIT(Q)
Highest at USD 23.82 MM
EPS(Q)
Highest at USD 34.29
-9What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 90.5 MM
DIVIDEND PAYOUT RATIO(Y)
Lowest at 14.73%
ROCE(HY)
Lowest at 1.69%
DIVIDEND PER SHARE(HY)
Lowest at USD 0
CREDIT DEPOSIT RATIO(HY)
Lowest at 73.67%
Here's what is working for Farmers & Merchants Bancorp (California)
NII
Highest at USD 56.73 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 71.7 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Net Profit
Highest at USD 23.82 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
EPS
Highest at USD 34.29
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for Farmers & Merchants Bancorp (California)
Operating Cash Flow
Lowest at USD 90.5 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Dividend Payout Ratio
Lowest at 14.73% and Fallen
In each year in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
Dividend per share
Lowest at USD 0
in the last five yearsMOJO Watch
Company is distributing lower dividend than previous years
DPS (USD)
Credit Deposit Ratio
Lowest at 73.67%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
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