Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

FMAO stock hub

Farmers & Merchants Bancorp, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

378.9M

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

FMAO

In the news

Latest news · FMAO

Recent company headlines from major financial publishers.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E9.7

P25 8.8P50 10.4P75 13.1

Trailing P/E10.6

P25 10.9P50 14.7P75 36.2

ROE10

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FMAO market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

241

Groups with data

Currency

USD

Showing 241 of 241 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0000792966
Company name	Farmers & Merchants Bancorp, Inc.
Country	United States
Country code	US
Cusip	30779N105
Employees	473
Employees Change	-9%
Employees Change Percent	-1.87
Enterprise value	$473.8M
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
Isin	US30779N1054
Last refreshed	2026-05-10
Market cap	$378.9M
Market cap category	Small-Cap
Price	$27.85
Price currency	USD
Rev Per Employee	262,029.6x
Sector	Financials
Sic	6035
Symbol	FMAO
Website	https://www.fm.bank

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	9.37%
EV Earnings	13.35x
EV Sales Forward	3.99x
EV/FCF	15.12x
EV/Sales	3.82x
FCF yield	8.27%
Forward P/E	9.72x
P/B ratio	1.01x
P/E ratio	10.65x
P/S ratio	3.06x
PE Ratio10 Y	16.03x
PE Ratio3 Y	12.59x
PE Ratio5 Y	12.85x
PEG ratio	1.94x
PS Forward	3.19x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	25.28%
Gross Profit	$123.9M
Net Income	$35.5M
Net Income Growth	30.53%
Net Income Growth Q	37.77%
Net Income Growth Quarters	7%
Net Income Growth Years	2%
Net Income Growth3 Y	5.07%
Net Income Growth5 Y	11.35%
Pretax Margin	37.2%
Profit Margin	28.99%
Profit Per Employee	$75,042
Profitable Years	32
ROA	1.05
Roa5y	0.93
ROE	9.97
Roe5y	8.87

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	10.08%
Cagr15y	10.88%
Cagr1y	16.03%
Cagr20y	7.73%
Cagr3y	14.43%
Cagr5y	8.29%
Div CAGR10	7.52%
Div CAGR3	2.96%
Div CAGR5	6.29%
EPS Growth	30.03
EPS Growth Q	37.28
EPS Growth Quarters	7
EPS Growth Years	2
EPS Growth3 Y	4.27
EPS Growth5 Y	6.91
FCF Growth	-21.58%
FCF Growth Q	-34.22%
FCF Growth3 Y	0.08%
FCF Growth5 Y	3.76%
OCF Growth	-20.52%
OCF Growth Q	-30.5%
OCF Growth10 Y	8.15%
OCF Growth3 Y	-2.35%
OCF Growth5 Y	2.73%
Revenue Growth	19.01x
Revenue Growth Q	16.55x
Revenue Growth Quarters	8x
Revenue Growth Years	2x
Revenue Growth3 Y	7.72x
Revenue Growth5 Y	11.56x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$3.5B
Cash	$174.7M
Debt	$269.7M
Debt FCF	$8.61
Equity	$375.9M
Liabilities	$3.1B
Net Cash	$-94.9M
Net Cash By Market Cap	$-25.06
Net Debt Equity	$0.25
Net Debt FCF	$3.03
Tangible Book Value	$289.6M
Tangible Book Value Per Share	$21.29
WACC	5.13

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-2.6B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-1.09%
Dividend Growth	2.83%
Dividend Growth Years	16%
Dividend per share	$0.92
Dividend Years	30
Dividend Yield	3.3%
Ex Div Date	2026-04-02
Last Dividend	$0.23
Payout Frequency	Quarterly
Payout Ratio	34.75%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	161.32%
1Y total return	16.01%
200-day SMA	25.7
3Y total return	49.83%
50-day SMA	26.13
50-day SMA vs 200-day SMA	50over200
5Y total return	48.89%
All Time High	49.99
All Time High Change	-44.29%
All Time High Date	2018-06-22
All Time Low	7.6
All Time Low Change	266.45%
All Time Low Date	2009-11-20
ATR	0.91
Beta	0.83
Beta1y	0.76
Beta2y	0.93
Ch YTD	12.66
High	27.98
High52	29.83
High52 Date	2026-02-17
High52ch	-6.64%
Low	27.42
Low52	22.59
Low52 Date	2025-06-05
Low52ch	23.3%
Ma50ch	6.57%
Premarket Change Percent	0.87
Premarket Price	$27.91
Price vs 200-day SMA	8.38%
RSI	60.38
RSI Monthly	55.51
RSI Weekly	57.27
Sharpe ratio	0.48x
Sortino ratio	0.87
Total Return	2.22%
Tr YTD	13.67
Tr15y	371.06%
Tr1m	6.62%
Tr1w	2.2%
Tr3m	-0.67%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	1
Analyst Ratings	Hold
Earnings EPS Estimate	$0.68
Earnings EPS Estimate Growth	33.33
Earnings Revenue Estimate	29,779,998x
Earnings Revenue Estimate Growth	6.09x
Operating Income	$51.4M
Operating margin	41.44
Price target	$28.5
Price Target Change	$2.33

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	12,488,835%
Float Percent	91.81%
Net Borrowing	-38,997,000
Shares Insiders	8.19%
Shares Institutions	30.46%
Shares Out	13,603,521
Shares Qo Q	-1.17%
Shares Yo Y	1.09%
Short Float	0.95%
Short Ratio	2.6
Short Shares	0.87

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$29.8M
Average Volume	81,938.1x
Bv Per Share	27.64
CAPEX	$-2M
Ch10y	97.87
Ch15y	197.1
Ch1m	6.62
Ch1w	2.2
Ch1y	12.03
Ch20y	134.5
Ch3m	-1.56
Ch3y	34.22
Ch5y	26.02
Ch6m	13.81
Change	0.65%
Change From Open	0.91
Close	27.67
Days Gap	-0.25
Dollar Volume	3,659,685
Earnings Date	2026-04-22
Earnings Time	amc
EPS	$2.62
F Score	3
FCF	$31.3M
FCF EV Yield	6.61x
FCF Per Share	$2.3
Financing CF	57,771,000
Fiscal Year End	December
Founded	1,897
Goodwill	86,358,000
Graham Number	40.32647
Graham Upside	44.8
Income Tax	$10.2M
Investing CF	-90,719,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-22
Last Report Date	2026-03-31
Last Split Date	2017-09-21
Last Split Type	Forward
Last10k Filing Date	2026-02-27
Lynch Fair Value	$29.68
Lynch Upside	6.55
Ma150	25.74
Ma150ch	8.19%
Ma20	27.04
Ma20ch	3.01%
Net CF	433,000
Next Earnings Date	2026-07-27
Open	27.6
Optionable	Yes
P FCF Ratio	12.09
P OCF Ratio	11.35
Payment Date	2026-04-20
Position In Range	76.79
Ppne	31,534,000
Pre Close	27.67
Price Date	2026-05-08
Ptbv Ratio	1.31
Relative Volume	1.6x
Revenue	123,940,000x
SBC By Revenue	1.26x
Share Based Comp	1,562,000
Tax By Revenue	8.2x
Tax Rate	22.05%
Tr20y	343.17%
Tr6m	15.85%
Us State	Ohio
Volume	131,407

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FMAO dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+3.3%

$0.92 annual per share

Payout ratio

+34.7%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+6.3%

16 consecutive years of growth

Total shareholder yield

+2.2%

Next ex-dividend date: 2026-04-02

Performance

FMAO stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FMAO?

Insider, institutional, and short-interest positioning.

Institutional ownership

+30.5%

Float: +91.8% of shares outstanding

Insider ownership

+8.2%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

FMAO momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

60.4

Neutral momentum band

Price vs 200-day MA

+8.4%

50/200-day relationship not available

Beta (5Y)

0.83

Moves roughly with the market

Sharpe ratio

0.48

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

FMAO vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Ridurre
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Ridurre
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Ridurre

Questions

About FMAO

Hub-level FAQ points readers to the deeper analysis pages.

What is the current FMAO stock rating?

Farmers & Merchants Bancorp, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full FMAO analysis?

The full report lives at /stocks/FMAO/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for FMAO?

The latest report frames FMAO around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the FMAO page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.