CL vs. FMCB
CL (Colgate-Palmolive Company) and FMCB (Farmers & Merchants Bancorp) are both stocks. CL operates in Household & Personal Products (Consumer Defensive), while FMCB operates in Banks - Regional (Financial Services). Over the past 10 years, CL returned 4.62%/yr vs 10.11%/yr for FMCB. At a 0.02 correlation, their price movements are largely independent.
Performance
CL vs. FMCB - Performance Comparison
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Returns By Period
In the year-to-date period, CL achieves a 14.60% return, which is significantly lower than FMCB's 19.88% return. Over the past 10 years, CL has underperformed FMCB with an annualized return of 4.62%, while FMCB has yielded a comparatively higher 10.11% annualized return.
CL
- 1D
- 0.07%
- 1M
- 0.69%
- YTD
- 14.60%
- 6M
- 15.59%
- 1Y
- 1.61%
- 3Y*
- 8.47%
- 5Y*
- 3.79%
- 10Y*
- 4.62%
FMCB
- 1D
- -1.17%
- 1M
- -1.39%
- YTD
- 19.88%
- 6M
- 21.33%
- 1Y
- 35.43%
- 3Y*
- 12.14%
- 5Y*
- 10.51%
- 10Y*
- 10.11%
CL vs. FMCB - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CL Colgate-Palmolive Company | 14.60% | -10.98% | 16.57% | 3.78% | -5.44% | 2.08% | 27.17% | 18.60% | -19.19% | 17.88% |
FMCB Farmers & Merchants Bancorp | 19.88% | 6.83% | 2.04% | 2.51% | 11.29% | 28.38% | 1.00% | 11.65% | 5.62% | 7.90% |
Correlation
The correlation between CL and FMCB is 0.15, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.15 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.12 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.08 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.02 |
Correlation (All Time) Calculated using the full available price history since Jan 2, 2001 | 0.02 |
The correlation between CL and FMCB shifts across timeframes, from 0.02 (all time) to 0.15 (1 year), reflecting how their relationship changes across market environments.
Fundamentals
CL:
$72.02B
FMCB:
$899.84M
CL:
$2.58
FMCB:
$136.25
CL:
34.68
FMCB:
9.70
CL:
8.96
FMCB:
0.76
CL:
3.48
FMCB:
2.97
CL:
496.66
FMCB:
1.37
CL:
$20.80B
FMCB:
$308.67M
CL:
$12.49B
FMCB:
$243.83M
CL:
$3.92B
FMCB:
$131.11M
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Return for Risk
CL vs. FMCB — Risk / Return Rank
CL
FMCB
CL vs. FMCB - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Colgate-Palmolive Company (CL) and Farmers & Merchants Bancorp (FMCB). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| CL | FMCB | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.91 | ||
| Sortino ratioReturn per unit of downside risk | -2.87 | ||
| Omega ratioGain probability vs. loss probability | 1.01 | 1.39 | -0.38 |
| Calmar ratioReturn relative to maximum drawdown | -0.08 | 4.83 | -4.91 |
| Martin ratioReturn relative to average drawdown | -0.14 | 13.24 | -13.38 |
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Drawdowns
CL vs. FMCB - Drawdown Comparison
The maximum CL drawdown since its inception was -58.91%, which is greater than FMCB's maximum drawdown of -42.00%. Use the drawdown chart below to compare losses from any high point for CL and FMCB.
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Drawdown Indicators
| CL | FMCB | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -58.91% | -42.00% | -16.91% |
Max Drawdown (1Y)Largest decline over 1 year | -18.64% | -7.17% | -11.47% |
Max Drawdown (3Y)Largest decline over 3 years | -29.05% | -14.32% | -14.73% |
Max Drawdown (5Y)Largest decline over 5 years | -29.05% | -16.91% | -12.14% |
Max Drawdown (10Y)Largest decline over 10 years | -29.05% | -25.24% | -3.81% |
Current DrawdownCurrent decline from peak | -14.31% | -5.43% | -8.88% |
Average DrawdownAverage peak-to-trough decline | -11.24% | -9.63% | -1.61% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 11.35% | 2.61% | +8.74% |
Volatility
CL vs. FMCB - Volatility Comparison
The current volatility for Colgate-Palmolive Company (CL) is 8.32%, while Farmers & Merchants Bancorp (FMCB) has a volatility of 10.54%. This indicates that CL experiences smaller price fluctuations and is considered to be less risky than FMCB based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| CL | FMCB | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 8.32% | 10.54% | -2.22% |
Volatility (6M)Calculated over the trailing 6-month period | 17.28% | 14.91% | +2.37% |
Volatility (1Y)Calculated over the trailing 1-year period | 21.83% | 18.87% | +2.96% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 18.81% | 20.83% | -2.02% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 19.75% | 20.73% | -0.98% |
Dividends
CL vs. FMCB - Dividend Comparison
CL's dividend yield for the trailing twelve months is around 2.34%, more than FMCB's 1.55% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CL Colgate-Palmolive Company | 2.34% | 2.61% | 2.18% | 2.40% | 2.36% | 2.10% | 2.05% | 2.48% | 2.79% | 2.11% | 2.37% | 2.25% |
FMCB Farmers & Merchants Bancorp | 1.55% | 1.74% | 1.71% | 1.62% | 1.54% | 1.59% | 1.94% | 1.85% | 1.99% | 2.00% | 2.05% | 2.39% |
Financials
CL vs. FMCB - Financials Comparison
This section allows you to compare key financial metrics between Colgate-Palmolive Company and Farmers & Merchants Bancorp. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
CL vs. FMCB - Profitability Comparison
CL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Colgate-Palmolive Company reported a gross profit of 3.23B and revenue of 5.32B. Therefore, the gross margin over that period was 60.6%.
FMCB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Farmers & Merchants Bancorp reported a gross profit of 61.56M and revenue of 76.87M. Therefore, the gross margin over that period was 80.1%.
CL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Colgate-Palmolive Company reported an operating income of 1.16B and revenue of 5.32B, resulting in an operating margin of 21.7%.
FMCB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Farmers & Merchants Bancorp reported an operating income of 32.38M and revenue of 76.87M, resulting in an operating margin of 42.1%.
CL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Colgate-Palmolive Company reported a net income of 646.00M and revenue of 5.32B, resulting in a net margin of 12.1%.
FMCB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Farmers & Merchants Bancorp reported a net income of 24.07M and revenue of 76.87M, resulting in a net margin of 31.3%.
Frequently Asked Questions
CL and FMCB have a correlation of 0.15, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
FMCB has higher volatility (10.54%) compared to CL (8.32%). In terms of maximum drawdown, CL dropped -58.91% vs FMCB's -42.00%.
FMCB currently has the higher Sharpe Ratio (1.84 vs -0.07), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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