FNLC
Price
$24.75
Change
-$0.06 (-0.24%)
Updated
Nov 19 closing price
Capitalization
277.68M
Intraday BUY SELL Signals
MBWM
Price
$43.93
Change
+$0.19 (+0.43%)
Updated
Nov 19 closing price
Capitalization
716.13M
61 days until earnings call
Intraday BUY SELL Signals
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FNLC vs MBWM

Header iconFNLC vs MBWM Comparison
Open Charts FNLC vs MBWMBanner chart's image
First Ban
Price$24.75
Change-$0.06 (-0.24%)
Volume$15.33K
Capitalization277.68M
Mercantile Bank
Price$43.93
Change+$0.19 (+0.43%)
Volume$44.33K
Capitalization716.13M
FNLC vs MBWM Comparison Chart in %
FNLC
Daily Signal:
Gain/Loss:
MBWM
Daily Signal:
Gain/Loss:
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FNLC vs. MBWM commentary
Nov 20, 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 FNLC is a Hold and MBWM is a Hold.

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COMPARISON
Comparison
Nov 20, 2025
Stock price -- (FNLC: $24.75 vs. MBWM: $44.06)
Brand notoriety: FNLC and MBWM are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FNLC: 73% vs. MBWM: 73%
Market capitalization -- FNLC: $277.68M vs. MBWM: $716.13M
FNLC [@Regional Banks] is valued at $277.68M. MBWM’s [@Regional Banks] market capitalization is $716.13M. The market cap for tickers in the [@Regional Banks] industry ranges from $172.58B to $0. The average market capitalization across the [@Regional Banks] industry is $7.96B.

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).

FNLC’s FA Score shows that 1 FA rating(s) are green whileMBWM’s FA Score has 3 green FA rating(s).

  • FNLC’s FA Score: 1 green, 4 red.
  • MBWM’s FA Score: 3 green, 2 red.
According to our system of comparison, MBWM is a better buy in the long-term than FNLC.

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.

FNLC’s TA Score shows that 3 TA indicator(s) are bullish while MBWM’s TA Score has 3 bullish TA indicator(s).

  • FNLC’s TA Score: 3 bullish, 4 bearish.
  • MBWM’s TA Score: 3 bullish, 4 bearish.
According to our system of comparison, FNLC is a better buy in the short-term than MBWM.

Price Growth

FNLC (@Regional Banks) experienced а -3.17% price change this week, while MBWM (@Regional Banks) price change was -3.53% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.93%. For the same industry, the average monthly price growth was +1.61%, and the average quarterly price growth was +11.37%.

Reported Earning Dates

MBWM is expected to report earnings on Jan 20, 2026.

Industries' Descriptions

@Regional Banks (-0.93% 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
MBWM($716M) has a higher market cap than FNLC($278M). FNLC has higher P/E ratio than MBWM: FNLC (8.81) vs MBWM (8.36). MBWM YTD gains are higher at: 1.484 vs. FNLC (-4.253). MBWM has more cash in the bank: 98.9M vs. FNLC (27.4M). FNLC has less debt than MBWM: FNLC (196M) vs MBWM (487M). MBWM has higher revenues than FNLC: MBWM (239M) vs FNLC (86.8M).
FNLCMBWMFNLC / MBWM
Capitalization278M716M39%
EBITDAN/AN/A-
Gain YTD-4.2531.484-287%
P/E Ratio8.818.36105%
Revenue86.8M239M36%
Total Cash27.4M98.9M28%
Total Debt196M487M40%
FUNDAMENTALS RATINGS
FNLC vs MBWM: Fundamental Ratings
FNLC
MBWM
OUTLOOK RATING
1..100
2081
VALUATION
overvalued / fair valued / undervalued
1..100
18
Undervalued
27
Undervalued
PROFIT vs RISK RATING
1..100
5423
SMR RATING
1..100
4525
PRICE GROWTH RATING
1..100
5759
P/E GROWTH RATING
1..100
7560
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 (18) in the Regional Banks industry is in the same range as MBWM (27). This means that FNLC’s stock grew similarly to MBWM’s over the last 12 months.

MBWM's Profit vs Risk Rating (23) in the Regional Banks industry is in the same range as FNLC (54). This means that MBWM’s stock grew similarly to FNLC’s over the last 12 months.

MBWM's SMR Rating (25) in the Regional Banks industry is in the same range as FNLC (45). This means that MBWM’s stock grew similarly to FNLC’s over the last 12 months.

FNLC's Price Growth Rating (57) in the Regional Banks industry is in the same range as MBWM (59). This means that FNLC’s stock grew similarly to MBWM’s over the last 12 months.

MBWM's P/E Growth Rating (60) in the Regional Banks industry is in the same range as FNLC (75). This means that MBWM’s stock grew similarly to FNLC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FNLCMBWM
RSI
ODDS (%)
N/A
N/A
Stochastic
ODDS (%)
Bullish Trend 1 day ago
65%
Bullish Trend 1 day ago
67%
Momentum
ODDS (%)
Bearish Trend 1 day ago
50%
Bearish Trend 1 day ago
64%
MACD
ODDS (%)
Bearish Trend 1 day ago
43%
Bearish Trend 1 day ago
79%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
51%
Bearish Trend 1 day ago
63%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
43%
Bearish Trend 1 day ago
55%
Advances
ODDS (%)
Bullish Trend 6 days ago
53%
Bullish Trend 8 days ago
65%
Declines
ODDS (%)
Bearish Trend 1 day ago
52%
Bearish Trend 2 days ago
61%
BollingerBands
ODDS (%)
N/A
Bullish Trend 3 days ago
73%
Aroon
ODDS (%)
Bullish Trend 1 day ago
45%
Bearish Trend 1 day ago
49%
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FNLC
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Gain/Loss:
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Daily Signal:
Gain/Loss:
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