)
Edge20 Mar 2026
Tetra Pak: The Shape of Innovation
The story of Tetra Pak, the Rausing family, and how a paper tetrahedron gave rise to a company that now delivers almost 180 billion packages a year.
Farmers and Merchants Bank of Long Beach
Farmers and Merchants Bank of Long Beach (FMBL) investor relations material
Farmers and Merchants Bank of Long Beach has been otc
Farmers and Merchants Bank of Long Beach Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary20 Jan, 2026
Executive summary
Achieved strong fourth quarter and full-year 2025 results, with improved profitability and a more flexible balance sheet, positioning for future growth.
Closed a $200 million equity investment in Q4 2025 from a large financial services company, expected to drive new loan growth starting late 2026.
Management highlights a legacy of financial strength and prudent fiscal management supporting long-term growth.
Financial highlights
Q4 2025 net income rose to $19.5 million ($141.90/diluted share) from $4.0 million ($32.18/diluted share) in Q4 2024.
Full-year 2025 net income increased to $68.3 million ($537.62/diluted share) from $44.9 million ($358.63/diluted share) in 2024.
Q4 2025 net interest income before provision for credit losses was $74.4 million, up from $62.3 million in Q4 2024.
Net interest margin improved to 2.58% in Q4 2025 from 2.14% in Q4 2024; full-year margin was 2.44% vs. 2.00% in 2024.
Total assets at year-end 2025 were $11.80 billion, up from $11.69 billion at year-end 2024.
Outlook and guidance
Anticipates accelerated, profitable growth from new partnership and expanded customer base beginning late 2026.
Strategic initiatives and strong management team expected to sustain positive momentum into 2026.
New credit product partnership loan portfolio impact
Drivers of net interest margin improvement
Reconcile loan portfolio decline with growth plans
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from Farmers and Merchants Bank of Long Beach
- Net income and margins rose in Q3 2025, with capital boosted by a $200M equity investment.FMBL
Q3 202521 Nov 2025 - Net income increased, capital ratios exceeded requirements, and loan demand remained stable.FMBLQ2 202524 Oct 2025
- Q1 2025 saw higher net income, robust capital, and improved margins amid economic headwinds.FMBLQ1 202524 Oct 2025
- Q3 2024 profit fell on higher deposit costs, but capital strength and liquidity remain robust.FMBLQ3 202424 Oct 2025
- Net income declined, but strong capital and a new $10M buyback highlight Q2 2024 results.FMBLQ2 202424 Oct 2025
- 2021 net income jumped 44% to $115.2M; new $20M stock buyback program announced.FMBLQ4 20245 Jun 2025
Next Farmers and Merchants Bank of Long Beach earnings date
Q1 202621 Apr, 2026
Farmers and Merchants Bank of Long Beach
Next Farmers and Merchants Bank of Long Beach earnings date
Q1 202621 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Explore our global coverage