- Farmers & Merchants Bank of Long Beach reported third quarter 2026 results showing net interest income of US$89.06 million and a net loss of US$36.78 million, compared with net interest income of US$69.25 million and net income of US$18.13 million in the prior year period.
- For the first nine months of 2026, Farmers & Merchants Bank of Long Beach recorded higher net interest income of US$246.84 million while net income declined to US$20.64 million compared with US$48.82 million a year earlier, indicating that costs or credit pressures may be offsetting stronger core lending revenue.
- We will monitor how Farmers & Merchants Bank of Long Beach's investment narrative develops as higher net interest income coincides with a quarterly loss.
Stress test your approach to banks like Farmers & Merchants Bank of Long Beach by comparing its recent loss and interest income profile against a curated set of list of solid balance sheet and fundamentals (25 results)
What Is Farmers & Merchants Bank of Long Beach's Investment Narrative?
To own Farmers & Merchants Bank of Long Beach stock, you have to be comfortable with a fairly simple trade off. The franchise is a traditional regional lender with a broad set of deposit products and a loan book tied to households, property and local businesses. Recent results show net interest income above US$80 million in the quarter and US$200 million over nine months, yet earnings pressure and a quarterly loss indicate that credit costs, expenses or one off items are weighing on what looks like healthy core banking revenue.
The short term story now revolves around whether management can protect that income base while addressing weaker profitability. Reported return on equity of 2.9%, a P/E of 30.9x and earnings that have declined on average over five years turn valuation and execution into central questions. The latest net loss makes near term catalysts more about loss drivers, board effectiveness and any shifts in loan quality than about growth headlines.
Even so, there is a less comfortable angle to Farmers & Merchants Bank of Long Beach that sits in the background of all this...
There's only one way to know the right time to buy, sell or hold Farmers & Merchants Bank of Long Beach. Head to Simply Wall St's company report for the latest analysis of Farmers & Merchants Bank of Long Beach's Fair Value.
Decide For Yourself
Don't just follow the ticker. Dig into the data and build a conviction that's truly your own.
- A great starting point for your Farmers & Merchants Bank of Long Beach research is our analysis highlighting 1 important warning sign that could impact your investment decision.
- See our latest analysis for Farmers & Merchants Bank of Long Beach. The report includes a comprehensive fundamental analysis summarized in a single visual, the Snowflake, making it easy to evaluate Farmers & Merchants Bank of Long Beach's overall financial health at a glance.
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