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FARMERS & MERCHANTS BANK Credit Rating & Financial Statements Analysis

BOSTON (AC Invest Credit Rating Terminal) Thu Nov 25 2021 08:55:03 GMT+0000 (Coordinated Universal Time) AI Credit Ratings today took the rating actions below:

Credit Rating Rationales & Model


Our liquidity uses include dividends and share repurchases that we expect under a stress scenario. Unlike other potential uses of liquidity, such as debt maturities or maintenance capital spending, we view dividends and share repurchases as more discretionary, although more so for the latter. For this reason, when evaluating a company's liquidity position, we may use a lower estimate of dividends and shareholder repurchases than in our base-case forecast based on our views of management and the company's track record in terms of shareholder returns and maintaining a certain minimum level of liquidity.

Rating Model for FARMERS & MERCHANTS BANK: We estimate the credit risk parameters by Volume and ElasticNet Regression

Credit Ratings for FARMERS & MERCHANTS BANK as of 25 Nov 2021


Credit Rating Short-Term Long-Term Senior
AI Rating Class*B1B2
Semantic Signals3156
Financial Signals5354
Risk Signals4258
Substantial Risks8749
Speculative Signals8637

*Machine Learning utilizes multiple learning algorithms to obtain better predictive powers. In our research, we utilize machine learning to combine the results from the Neural Network and Support Vector Machines.

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