FMAO
NASDAQ
US
Farmers & Merchants Bancorp, Inc. - Common Stock
$25.88
▼ $-0.07
(-0.27%)
Vol 60K
10
Quality Score
ok
Deep Check
2/5
ok
Rev ✓
NI ✓
>IPO ✗
Mkt Cap
$339.9M
P/E
10.7
ROE
9.2%
Margin
24.4%
D/E
15.93
Beta
0.85
Div Yield
3.72%
52W
$21–$30
Wall Street Consensus
8 analysts · Apr 20260
Strong Buy
0
Buy
5
Hold
1
Sell
2
Strong Sell
0.0%
Buy Rating
Price Chart
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Earnings
Beat rate: 100.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.67 | $0.71 | +$0.04 |
| Sep 2025 | $0.61 | $0.64 | +$0.03 |
| Jun 2025 | $0.51 | $0.56 | +$0.05 |
| Mar 2025 | $0.43 | $0.51 | +$0.08 |
Quarterly Revenue & Earnings
| Quarter | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|
| Revenue | $26.3M | $27.4M | $29.3M | $30.2M | $31.5M |
| Net Income | $8.4M | $7.0M | $7.7M | $8.9M | $9.8M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 8.7% | 8.7% | 8.7% | 8.7% | 9.2% | 9.2% |
| P/E (TTM) | 11.73 | 11.67 | 11.68 | 11.10 | 10.60 | 10.66 |
| Net Margin | — | 24.4% | 24.4% | 24.4% | 24.4% | 24.4% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 17.80 | 17.80 | 17.66 | 17.80 | 15.93 | 15.93 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
1.0%
P/S (TTM)
2.62
P/B
1.2
EPS (TTM)
$2.37
CF/Share
$2.22
Rev Growth 3Y
+14.0%
52W High
$29.86
52W Low
$20.88
$20.88
52-Week Range
$29.86
Financial Health
Free Cash Flow
$13.2M
Net Debt
$163.6M
Cash
$98.7M
Total Debt
$262.3M
As of Dec 31, 2025
How does FMAO compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
FMAO valuation vs Banking peers
P/E ratio
10.7
▼
15%
below
peers
(12.6)
vs Peers
vs Industry
Undervalued
P/S ratio
2.6
▲
13%
above
peers
(2.3)
vs Peers
vs Industry
Fair value
P/B ratio
1.2
▲
15%
above
peers
(1.1)
vs Peers
vs Industry
Overvalued
Div yield
3.7%
▲
24%
above
peers
(3.0%)
vs Peers
vs Industry
Below avg
FMAO profitability vs Banking peers
ROE
9.2%
▲
2%
above
peers
(9.0%)
vs Peers
vs Industry
In line
Net margin
24.4%
▼
15%
below
peers
(28.6%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
1.0%
▲
0%
above
peers
(1.0%)
vs Peers
vs Industry
In line
FMAO financial health vs Banking peers
D/E ratio
15.9
▲
15%
above
peers
(13.8)
vs Peers
vs Industry
In line
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.9
▲
23%
above
peers
(0.7)
vs Peers
vs Industry
More volatile
FMAO fundamentals radar
FMAO
Peer median
Industry
FMAO profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
FMAO vs peers: key metrics
Insider Activity
NeutralBuys
0
Sells
0
FAUST ERIC D
Officer · Mar 23
1148 shs
FAUST ERIC D
Officer · Mar 02
275 shs
BRITENRIKER BARBARA J
Officer · Mar 02
2440 shs
ELLER LARS B
Chief Executive Officer · Mar 02
5374 shs
SINGHAL SHALINI
Chief Technology Officer · Mar 02
1620 shs
GERKEN DAVID
Officer · Mar 02
2157 shs
FAUST ERIC D
Officer · Mar 02
2226 shs
BAKER ANDREW S
Officer · Mar 02
1722 shs
BRITENRIKER BARBARA J
Officer · Feb 26
1500 shs
Last 90 days
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As of Dec 31, 2025
Dividends
$0.90
/ year
Dec 29, 2025
$0.2300
Oct 10, 2025
$0.2280
Jul 07, 2025
$0.2210
Apr 04, 2025
$0.2210
Dec 27, 2024
$0.2210
Oct 04, 2024
$0.2210
Jul 05, 2024
$0.2200
Mar 27, 2024
$0.2200
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