FMAO
Price
$25.90
Change
-$0.40 (-1.52%)
Updated
Dec 24 closing price
Capitalization
356.12M
47 days until earnings call
Intraday BUY SELL Signals
FNLC
Price
$26.92
Change
-$0.11 (-0.41%)
Updated
Dec 24 closing price
Capitalization
302.02M
Intraday BUY SELL Signals
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FMAO vs FNLC

Header iconFMAO vs FNLC Comparison
Open Charts FMAO vs FNLCBanner chart's image
Farmers & Merchants Ban
Price$25.90
Change-$0.40 (-1.52%)
Volume$8.76K
Capitalization356.12M
First Ban
Price$26.92
Change-$0.11 (-0.41%)
Volume$9.19K
Capitalization302.02M
FMAO vs FNLC Comparison Chart in %
FMAO
Daily Signal:
Gain/Loss:
FNLC
Daily Signal:
Gain/Loss:
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VS
FMAO vs. FNLC commentary
Dec 26, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FMAO is a StrongBuy and FNLC is a StrongBuy.

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COMPARISON
Comparison
Dec 26, 2025
Stock price -- (FMAO: $25.90 vs. FNLC: $26.92)
Brand notoriety: FMAO and FNLC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FMAO: 41% vs. FNLC: 51%
Market capitalization -- FMAO: $356.12M vs. FNLC: $302.02M
FMAO [@Regional Banks] is valued at $356.12M. FNLC’s [@Regional Banks] market capitalization is $302.02M. The market cap for tickers in the [@Regional Banks] industry ranges from $171.46B to $0. The average market capitalization across the [@Regional Banks] industry is $8.64B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

FMAO’s FA Score shows that 0 FA rating(s) are green whileFNLC’s FA Score has 1 green FA rating(s).

  • FMAO’s FA Score: 0 green, 5 red.
  • FNLC’s FA Score: 1 green, 4 red.
According to our system of comparison, FNLC is a better buy in the long-term than FMAO.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

FMAO’s TA Score shows that 6 TA indicator(s) are bullish while FNLC’s TA Score has 4 bullish TA indicator(s).

  • FMAO’s TA Score: 6 bullish, 5 bearish.
  • FNLC’s TA Score: 4 bullish, 6 bearish.
According to our system of comparison, FMAO is a better buy in the short-term than FNLC.

Price Growth

FMAO (@Regional Banks) experienced а -7.50% price change this week, while FNLC (@Regional Banks) price change was -4.84% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.01%. For the same industry, the average monthly price growth was +5.44%, and the average quarterly price growth was +15.56%.

Reported Earning Dates

FMAO is expected to report earnings on Feb 11, 2026.

Industries' Descriptions

@Regional Banks (+0.01% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
FMAO($356M) has a higher market cap than FNLC($302M). FMAO has higher P/E ratio than FNLC: FMAO (11.12) vs FNLC (9.58). FNLC YTD gains are higher at: 4.142 vs. FMAO (-9.628). FMAO has more cash in the bank: 152M vs. FNLC (27.4M). FNLC has less debt than FMAO: FNLC (95.5M) vs FMAO (223M). FMAO has higher revenues than FNLC: FMAO (112M) vs FNLC (91.1M).
FMAOFNLCFMAO / FNLC
Capitalization356M302M118%
EBITDAN/AN/A-
Gain YTD-9.6284.142-232%
P/E Ratio11.129.58116%
Revenue112M91.1M123%
Total Cash152M27.4M555%
Total Debt223M95.5M234%
FUNDAMENTALS RATINGS
FMAO vs FNLC: Fundamental Ratings
FMAO
FNLC
OUTLOOK RATING
1..100
5215
VALUATION
overvalued / fair valued / undervalued
1..100
44
Fair valued
22
Undervalued
PROFIT vs RISK RATING
1..100
7748
SMR RATING
1..100
4646
PRICE GROWTH RATING
1..100
5350
P/E GROWTH RATING
1..100
8774
SEASONALITY SCORE
1..100
5050

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

FNLC's Valuation (22) in the Regional Banks industry is in the same range as FMAO (44) in the Financial Conglomerates industry. This means that FNLC’s stock grew similarly to FMAO’s over the last 12 months.

FNLC's Profit vs Risk Rating (48) in the Regional Banks industry is in the same range as FMAO (77) in the Financial Conglomerates industry. This means that FNLC’s stock grew similarly to FMAO’s over the last 12 months.

FNLC's SMR Rating (46) in the Regional Banks industry is in the same range as FMAO (46) in the Financial Conglomerates industry. This means that FNLC’s stock grew similarly to FMAO’s over the last 12 months.

FNLC's Price Growth Rating (50) in the Regional Banks industry is in the same range as FMAO (53) in the Financial Conglomerates industry. This means that FNLC’s stock grew similarly to FMAO’s over the last 12 months.

FNLC's P/E Growth Rating (74) in the Regional Banks industry is in the same range as FMAO (87) in the Financial Conglomerates industry. This means that FNLC’s stock grew similarly to FMAO’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FMAOFNLC
RSI
ODDS (%)
Bearish Trend 2 days ago
64%
Bearish Trend 2 days ago
87%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
79%
Bearish Trend 2 days ago
52%
Momentum
ODDS (%)
Bearish Trend 2 days ago
64%
Bearish Trend 2 days ago
48%
MACD
ODDS (%)
Bearish Trend 2 days ago
58%
Bearish Trend 2 days ago
41%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
66%
Bearish Trend 2 days ago
50%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
74%
Bullish Trend 2 days ago
53%
Advances
ODDS (%)
Bullish Trend 11 days ago
70%
Bullish Trend 8 days ago
52%
Declines
ODDS (%)
Bearish Trend 2 days ago
63%
Bearish Trend 2 days ago
51%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
60%
Bearish Trend 2 days ago
68%
Aroon
ODDS (%)
Bullish Trend 2 days ago
74%
Bullish Trend 2 days ago
45%
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FMAO
Daily Signal:
Gain/Loss:
FNLC
Daily Signal:
Gain/Loss:
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FMAO and

Correlation & Price change

A.I.dvisor indicates that over the last year, FMAO has been closely correlated with GABC. These tickers have moved in lockstep 73% of the time. This A.I.-generated data suggests there is a high statistical probability that if FMAO jumps, then GABC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FMAO
1D Price
Change %
FMAO100%
-1.52%
GABC - FMAO
73%
Closely correlated
-0.40%
FNLC - FMAO
72%
Closely correlated
-0.41%
SFST - FMAO
72%
Closely correlated
-0.02%
CCBG - FMAO
72%
Closely correlated
-0.33%
MCBS - FMAO
72%
Closely correlated
+0.11%
More

FNLC and

Correlation & Price change

A.I.dvisor indicates that over the last year, FNLC has been closely correlated with KRNY. These tickers have moved in lockstep 75% of the time. This A.I.-generated data suggests there is a high statistical probability that if FNLC jumps, then KRNY could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FNLC
1D Price
Change %
FNLC100%
-0.41%
KRNY - FNLC
75%
Closely correlated
+0.92%
PFIS - FNLC
74%
Closely correlated
+0.60%
PKBK - FNLC
74%
Closely correlated
-0.20%
RBCAA - FNLC
74%
Closely correlated
+0.14%
PEBO - FNLC
73%
Closely correlated
-0.26%
More