Is FLG or FMAO more undervalued in 2026?

CirclFi compares Flagstar Bank, N.A. (FLG) and Farmers & Merchants Bancorp, In (FMAO) using 13 institutional-grade valuation models. FLG has a Quality of Company score of 6.3/10 while FMAO scores 8.8/10.

Which is a better buy — FLG or FMAO?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do FLG and FMAO valuations compare?

FLG at $14.17 and FMAO at $27.81 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

FLG vs FMAO Valuation Comparison 2026 — Intrinsic Value Analysis

FLG

Banks - Regional

Flagstar Bank, N.A.

Quality

6.3

out of 10

Value Trap

SAFE

Price

$14.17

Last close

Models

10/13

Active

FMAO

Banks - Regional

Farmers & Merchants Bancorp, In

Quality

8.8

out of 10

Value Trap

—

Price

$27.81

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	FLG Fair Value	FLG Upside	FMAO Fair Value	FMAO Upside
Bayesian DCF	Intrinsic	$2.96	-79.1%	$26.65	-4.2%
Earnings Power Value	Intrinsic	$43.40	+206.3%	$31.19	+12.2%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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FLG vs FMAO — Which Stock Is More Undervalued?

FMAO scores higher with a 8.8/10 quality rating vs FLG's 6.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Flagstar Bank, N.A. (FLG) and Farmers & Merchants Bancorp, In (FMAO) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

FLG currently trades at $14.17 with a QOC of 6.3/10, while FMAO trades at $27.81 with a QOC of 8.8/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).