FABP Stock Overview

Operates as the holding company of The Farmers Bank that provides a range of banking products and services for individuals and businesses in north central Indiana, the United States. More details

FABP fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	1/6
Financial Health	6/6
Dividends	2/6

Rewards

Trading at 61% below our estimate of its fair value

Risk Analysis

Earnings have declined by 12.3% per year over past 5 years

Profit margins (16.9%) are lower than last year (27.1%)

Does not have a meaningful market cap ($70M)

My Notes

Capture your thoughts, links and company narrative

Farmers Bancorp (Frankfort IN) Competitors

1st Colonial Bancorp

OTCPK:FCOB

US$71.1m

JBT Bancorp

OTCPK:JBTC

US$68.5m

United Bancorp

NasdaqCM:UBCP

US$74.0m

Bank of South Carolina

OTCPK:BKSC

US$72.3m

Price History & Performance

Summary of share price highs, lows and changes for Farmers Bancorp (Frankfort IN)
Historical stock prices
Current Share Price	US$38.48
52 Week High	US$42.40
52 Week Low	US$32.50
Beta	0.44
1 Month Change	8.39%
3 Month Change	15.56%
1 Year Change	-0.078%
3 Year Change	-28.74%
5 Year Change	-10.51%
Change since IPO	356.06%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	FABP	US Banks	US Market
7D	1.3%	-1.1%	-0.4%
1Y	-0.08%	29.5%	24.8%

Return vs Industry: FABP underperformed the US Banks industry which returned 29.5% over the past year.

Return vs Market: FABP underperformed the US Market which returned 24.8% over the past year.

Price Volatility

Is FABP's price volatile compared to industry and market?
FABP volatility
FABP Average Weekly Movement	3.9%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: FABP has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine FABP's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1876	n/a	n/a	www.thefarmersbank.com

Farmers Bancorp (Frankfort IN) operates as the holding company of The Farmers Bank that provides a range of banking products and services for individuals and businesses in north central Indiana, the United States. The company offers checking, savings, health savings, and individual retirement accounts; mortgage, home equity, personal, consumer, auto, student, agricultural, small business administration, commercial, commercial real estate, construction, residential, and installment loans, as well as home equity lines of credit, personal financial statements, and revolving lines of credit; and debit and credit cards. It also provides treasury management; trust and estate, investment, and farm management services; asset management; mobile banking and electronic banking services; merchant services; and convenience services comprising eStatements, notifi alerts, change order requests, and reorder checks.

Farmers Bancorp (Frankfort IN) Fundamentals Summary

How do Farmers Bancorp (Frankfort IN)'s earnings and revenue compare to its market cap?
FABP fundamental statistics
Market cap	US$70.43m
Earnings (TTM)	US$5.34m
Revenue (TTM)	US$31.61m

13.2x

P/E Ratio

0.9x

P/B Ratio

Is FABP overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FABP income statement (TTM)
Revenue	US$31.61m
Cost of Revenue	US$0
Gross Profit	US$31.61m
Other Expenses	US$26.27m
Earnings	US$5.34m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.92
Gross Margin	100.00%
Net Profit Margin	16.90%
Debt/Equity Ratio	180.0%

How did FABP perform over the long term?

See historical performance and comparison

Dividends

4.0%

Current Dividend Yield

50%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/25 00:38
End of Day Share Price	2024/12/19 00:00
Earnings	2024/09/30
Annual Earnings	2024/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Farmers Bancorp (Frankfort IN) is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution