FMAO Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $35.49
Market Cap (MRQ) $489M
P/E 14.6
EPS $2.43
Div Yield 2.5%
ROE 9.2%
52W Range $23–$36

FMAO Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

04
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Stock splits 2
Ex-date Split Type
Sept. 21, 2017 2-for-1 Forward
May 15, 2006 4-for-1 Forward

10-Year Performance Revenue, net income, margins and EPS trends

06
EPS$2.43
2020-12-31 → 2025-12-31
Free Cash Flow$35M
2016-12-31 → 2025-12-31
Net margin27.4%
2016-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend FMAO 5Y avg Peer Median Verdict
P/E 14.65Y avg ≈13.6 ≈13.6 11.8 Undervalued
P/S 4.05Y avg ≈4.0 ≈4.0 3.2 Fair value
P/B (MRQ) 1.35Y avg ≈1.3 ≈1.3 1.1 Fair value
Price / FCF (TTM) 11.85Y avg ≈11.8 ≈11.8 · ·
Price / Cash Flow (TTM) 11.45Y avg ≈11.2 ≈11.2 10.0 Fair value
Price / Tangible Book 1.75Y avg ≈1.7 ≈1.7 · ·
PEG Ratio ≈2.4 · · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Dividends Yield, payout ratio, dividend history, 5Y CAGR

13
Dividend Yield2.5%
Payout Ratio36.3%
Annualized Payout≈$0.92Paid quarterly
5Y Div CAGR≈6.4%Per share, split-adjusted
Growth Streak≈18Consecutive years of dividend growth
Ex-dateAmountCurrencyYield
Jul 10, 2026$0.23USD≈3.1%
Apr 2, 2026$0.23USD≈3.5%
Dec 29, 2025$0.23USD≈3.6%
Oct 10, 2025$0.23USD≈3.8%
Jul 7, 2025$0.22USD≈3.4%
Apr 4, 2025$0.22USD≈3.9%
Dec 27, 2024$0.22USD≈3.1%
Oct 4, 2024$0.22USD≈3.4%
Jul 5, 2024$0.22USD≈4.1%
Mar 27, 2024$0.22USD≈3.8%
Dec 28, 2023$0.22USD≈3.2%
Oct 5, 2023$0.21USD≈4.7%
Jul 6, 2023$0.21USD≈3.9%
Mar 30, 2023$0.21USD≈3.4%
Dec 29, 2022$0.21USD≈2.9%
Sep 23, 2022$0.21USD≈3.0%
Jul 7, 2022$0.20USD≈2.3%
Mar 31, 2022$0.19USD≈2.0%
Dec 27, 2021$0.19USD≈2.2%
Sep 27, 2021$0.18USD≈3.1%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

14
Avg Surprise 11.3%
Next Report Oct 26, 2026
PeriodReportEPS ActualEPS EstSurprise
June 30, 2026 Jul 16, 2026 $0.86 $0.69 25.0%
March 31, 2026 $0.72 $0.69 3.8%
Dec. 31, 2025 $0.71 $0.67 6.3%
Sept. 30, 2025 $0.64 $0.61 5.8%
June 30, 2025 $0.56 $0.51 9.1%
March 31, 2025 $0.51 $0.43 18.1%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

15
Income Statement 9
Metric Trend 202520242023202220212020201920182017201620152014
SG&A Expense $6M$5M$6M$6M$8M$6M$6M$4M$4M$4M$6M$6M
Interest Expense ··$58M$14M$7M$10M$15M$7M$5M$4M$4M$4M
Interest Income $174M$164M$140M$101M$77M$70M$68M$46M$41M$38M$34M$33M
Pretax Income $43M$33M$28M$40M$29M$25M$23M$18M$18M$16M$14M$14M
Income Tax $9M$7M$6M$8M$6M$5M$4M$3M$5M$5M$4M$4M
Net Income $33M$26M$23M$33M$23M$20M$18M$15M$13M$12M$10M$10M
EPS (Basic) $2.43$1.90$1.67$2.46$2.01$1.80·····$2.08
EPS (Diluted) $2.43$1.90$1.67$2.46$2.01$1.80······
Shares (Basic) 13,559,87313,418,72913,492,90313,091,42211,570,21811,061,39111,030,4419,179,9649,162,1619,144,2669,164,1164,595,900
Balance Sheet 15
Metric Trend 202520242023202220212020201920182017201620152014
Cash & Equivalents ···········$24M
PP&E (Net) $32M$34M$36M$28M$27M$27M$26M$23M$22M$21M$21M$20M
PP&E (Gross) $80M$79M$78M$68M$61M$58M$58M$46M$43M$42M$40M$38M
Accum. Depreciation $48M$46M$42M$39M$34M$31M$32M$23M$22M$20M$19M$18M
Goodwill $86M$86M$86M$86M$80M$47M$47M$4M$4M$4M$4M$4M
Intangibles ······$4M··$740.0K$1M$1M
Total Assets $3.43B$3.36B$3.28B$3.02B$2.64B$1.91B$1.61B$1.12B$1.11B$1.06B$989M$941M
Total Liabilities $3.06B$3.03B$2.97B$2.72B$2.34B$1.66B$1.38B$973M$973M$930M$869M$827M
Common Stock $136M$136M$136M$135M$123M$82M$82M$11M$12M$12M$12M$12M
Retained Earnings $258M$236M$221M$212M$189M$174M$160M$148M$137M$128M$120M$114M
Treasury Stock $11M$11M$11M$12M$12M$12M$12M$12M$12M$12M$12M$12M
AOCI $-12M$-25M$-29M$-38M$-3M$6M$1M$-3M$-2M$-2M$212.0K$444.0K
Stockholders' Equity $371M$335M$317M$298M$297M$249M$230M$143M$134M$126M$120M$114M
Liabilities + Equity $3.43B$3.36B$3.28B$3.02B$2.64B$1.91B$1.61B$1.12B$1.11B$1.06B$989M$941M
Shares Outstanding 13,748,07413,699,53613,664,64114,564,42514,063,99912,230,00012,230,00010,400,00010,400,00010,400,0005,200,0005,200,000
Cash Flow 13
Metric Trend 202520242023202220212020201920182017201620152014
Stock-based Comp $1M$1M$1M$899.0K$822.0K$1M$1M$745.0K$507.0K$402.0K$314.0K$232.0K
Deferred Tax $-126.0K$307.0K$2M$171.0K$-2M$-2M$292.0K$471.0K$21.0K$55.0K··
Amort. of Intangibles $2M$2M$2M$1M$677.0K$720.0K$727.0K$167.0K$245.0K$323.0K$323.0K$480.0K
Operating Cash Flow $37M$32M$22M$41M$35M$27M$24M$11M$18M$12M$15M$19M
CapEx $2M$2M$11M$3M$2M$3M$4M$3M$2M$2M$2M$3M
Investing Cash Flow $-139M$-44M$-194M$-390M$-266M$-178M$-149M$1M$-48M$-64M··
Stock Repurchased $362.0K$664.0K$218.0K$308.0K$338.0K$383.0K$381.0K$490.0K$196.0K$194.0K$803.0K$576.0K
Net Stock Activity $-362.0K$-664.0K·$-308.0K$-338.0K$-383.0K$-381.0K$-490.0K$-196.0K$-194.0K$-803.0K$-576.0K
Dividends Paid $12M$12M$11M$10M$8M$7M$6M$5M$4M$4M$4M$4M
Financing Cash Flow $23M$46M$230M$253M$236M$275M$138M$-8M$37M$58M··
Net Change in Cash $-79M$34M$58M$-96M$5M$124M$13M$4M$6M$6M$-2M$5M
Free Cash Flow $35M$31M·$38M$33M$24M$20M$10M$17M$10M$13M$16M
Levered FCF ···$27M$27M$16M$8M$4M$14M$7M$10M$14M
Profitability 4
Metric Trend 202520242023202220212020201920182017201620152014
Net Margin 27.4%25.6%·31.8%27.0%26.2%28.1%29.5%27.2%26.0%25.3%24.2%
Pretax Margin 35.0%32.1%·39.6%33.9%32.9%34.6%35.8%38.2%36.4%34.7%33.9%
ROA 0.98%0.78%·1.1%1.0%1.1%1.4%1.3%1.2%1.1%1.1%1.0%
ROE 9.2%7.7%·11.2%8.5%8.2%8.0%10.6%9.8%9.5%8.8%8.6%
Efficiency 1
Metric Trend 202520242023202220212020201920182017201620152014
Asset Turnover 0.00.0·0.00.00.00.00.00.00.00.00.0
Per Share 4
Metric Trend 202520242023202220212020201920182017201620152014
Book Value / Share $26.98$24.47·$20.47$21.13$20.37$18.83$13.78$12.90$24.15$23.10$22.02
Cash / Share ···········$4.67
Dividend / Share $0.90$0.88$0.85$0.81$0.71$0.66$0.61$0.56$0.50$0.46$0.44$0.84
EPS (TTM) $2.43$1.90$1.67$2.46$2.01$1.80······
Growth Rates 10
Metric Trend 202520242023202220212020201920182017201620152014
Revenue YoY 19.6%4.3%-5.1%17.8%13.8%·······
Revenue CAGR 3Y 5.8%5.2%8.3%·········
Revenue CAGR 5Y 9.7%···········
EPS YoY 27.9%13.8%-32.1%22.4%11.7%·······
EPS CAGR 3Y -0.41%-1.9%-2.5%·········
EPS CAGR 5Y 6.2%···········
Net Income YoY 28.4%13.8%-29.9%38.4%16.9%·······
Net Income CAGR 3Y 0.81%3.4%4.3%·········
Net Income CAGR 5Y 10.6%···········
Dividends Paid CAGR 5Y 11.0%···········
Valuation (TTM) 13
Metric Trend 202520242023202220212020201920182017201620152014
Revenue TTM $121M$102M$97M$103M$87M$77M$65M$51M$47M$45M$41M$40M
Net Income TTM $33M$26M$23M$33M$23M$20M$18M$15M$13M$12M$10M$10M
Market Cap $340M$403M·$396M$462M$281M$369M$400M$424M$91M$70M$70M
P/E 10.215.514.911.016.312.8······
P/S 2.84.0·3.95.33.75.67.99.12.01.71.7
P/B 0.91.2·1.31.61.11.62.83.20.70.60.6
P / Tangible Book 1.21.61.61.92.11.4······
P / Cash Flow 9.312.4·9.713.310.315.433.022.07.34.73.6
P / FCF 9.713.2·10.414.111.618.142.024.39.15.34.3
Dividend Yield 3.6%3.0%·2.6%1.7%2.5%1.7%1.2%1.1%4.5%5.6%5.6%
Earnings Yield 9.8%6.5%6.7%9.0%6.1%7.8%······
Payout Ratio 36.3%46.0%·31.6%32.6%35.8%34.5%33.1%34.9%35.3%38.1%40.1%
Annual Payout $12M$12M$11M$10M$8M$7M$6M$5M$4M$4M$4M$4M

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

16
Metric 2025-12-312024-12-312023-12-312022-12-312021-12-31
Net Income $33M $26M $23M $33M $23M
Diluted EPS $2.43 $1.90 $1.67 $2.46 $2.01

Institutional owners (13F) 116 filers · $165.9M total · As of Sept. 30, 2026

17

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 116
Value held $165.9M
New positions 21
Exited positions 9
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
21 (+2 vs prior Q) 9 (+7 vs prior Q) 50 (+15 vs prior Q) 19 (-11 vs prior Q) +498K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
BlackRock, Inc. $33,240,734 1,087,009 20.04% Shares
VANGUARD CAPITAL MANAGEMENT LLC $17,653,895 577,302 10.64% Shares
VANGUARD GROUP INC $16,668,894 674,308 10.05% Shares
GEODE CAPITAL MANAGEMENT, LLC $10,229,166 334,406 6.17% Shares
MANUFACTURERS LIFE INSURANCE COMPANY, THE $8,843,063 289,178 5.33% Shares
DIMENSIONAL FUND ADVISORS LP $8,207,257 268,387 4.95% Shares
STATE STREET CORP $8,196,510 268,035 4.94% Shares
Goelzer Investment Management, Inc. $6,837,811 223,604 4.12% Shares
AMERICAN CENTURY COMPANIES INC $5,717,206 186,959 3.45% Shares
Mendel Money Management $3,543,491 115,877 2.14% Shares
NORTHERN TRUST CORP $3,252,061 106,346 1.96% Shares
Gryphon Financial Partners LLC $3,063,658 100,185 1.85% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $2,782,413 90,988 1.68% Shares
Quantinno Capital Management LP $2,609,514 85,334 1.57% Shares
VANGUARD FIDUCIARY TRUST CO $2,596,334 84,903 1.57% Shares
AQR CAPITAL MANAGEMENT LLC $2,265,582 74,087 1.37% Shares
SEGALL BRYANT & HAMILL, LLC $2,084,547 68,167 1.26% Shares
RENAISSANCE TECHNOLOGIES LLC $1,739,421 56,881 1.05% Shares
CITADEL ADVISORS LLC $1,685,295 55,111 1.02% Shares
Bank of New York Mellon Corp $1,524,317 49,847 0.92% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $1,201,519 39,291 0.72% Shares
FORT WASHINGTON INVESTMENT ADVISORS INC /OH/ $1,046,845 34,233 0.63% Shares
BRIDGEWAY CAPITAL MANAGEMENT, LLC $1,045,438 34,187 0.63% Shares
Trexquant Investment LP $1,011,036 33,062 0.61% Shares
Venture Visionary Partners LLC $948,254 31,008 0.57% Shares
Empowered Funds, LLC $906,911 29,657 0.55% Shares
Nuveen, LLC $860,368 28,135 0.52% Shares
XTX Topco Ltd $772,145 25,250 0.47% Shares
MILLENNIUM MANAGEMENT LLC $743,889 24,326 0.45% Shares
Integrated Quantitative Investments LLC $734,440 24,017 0.44% Shares
GOLDMAN SACHS GROUP INC $682,209 22,309 0.41% Shares
Creative Planning $678,418 22,185 0.41% Shares
MORGAN STANLEY $595,201 19,463 0.36% Shares
Man Group plc $534,538 17,480 0.32% Shares
RHUMBLINE ADVISERS $514,990 16,841 0.31% Shares
MERCER GLOBAL ADVISORS INC /ADV $513,777 16,801 0.31% Shares
WELLS FARGO & COMPANY/MN $496,986 16,252 0.30% Shares
LOS ANGELES CAPITAL MANAGEMENT LLC $446,866 14,613 0.27% Shares
HICKS CAPITAL MANAGEMENT LLC $443,808 14,513 0.27% Shares
BANK OF AMERICA CORP /DE/ $438,701 14,346 0.26% Shares
DEUTSCHE BANK AG\ $404,145 13,216 0.24% Shares
AMERIPRISE FINANCIAL INC $381,118 12,463 0.23% Shares
MARSHALL WACE, LLP $379,620 12,414 0.23% Shares
Invesco Ltd. $378,641 12,382 0.23% Shares
Waverly Advisors, LLC $369,070 12,069 0.22% Shares
Revisor Wealth Management LLC $354,942 11,607 0.21% Shares
Align Financial, LLC $342,496 11,200 0.21% Shares
PRUDENTIAL FINANCIAL INC $325,524 10,645 0.20% Shares
FIRST MANHATTAN CO. LLC. $293,721 9,605 0.18% Shares
ALLIANCEBERNSTEIN L.P. $285,194 11,110 0.17% Shares

Show all 116 institutional owners →

Company insiders 41 insiders · 16 officers · 28 directors

19
Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Lars B Eller President & CEO June 4, 2026 A 33,874 0 0 $0
Marcia Sloan Latta Vice Chairman of the Board June 4, 2026 A 9,152 0 0 $0
Eric D Faust Chief Risk Officer March 23, 2026 S 5,538 0 2 $-36,012
Andrew S Baker SVP/Chief Strategy Officer March 2, 2026 A 7,819 0 0 $0
Shalini Singhal SVP/Chief Information Officer March 2, 2026 A 8,949 0 0 $0
Barbara J Britenriker Exec. Vice President March 2, 2026 A 33,930 0 0 $0
Benet S Rupp Exec. Vice President March 2, 2023 A 6,055 0 0 $0
Rex D Rice Exec. Vice President March 2, 2023 A 24,045 0 0 $0
Edward A Leininger Executive Vice President May 27, 2022 F 22,347 0 0 $0
Todd A Graham Executive Vice Pres Jan. 31, 2020 F 1,404 0 0 $0
Katrina L Degroff Sr. Vice President Dec. 19, 2019 F 1,921 0 0 $0
Allen Lantz Executive Vice President Jan. 4, 2019 F 11,287 0 0 $0
David P Rupp JR VICE PRESIDENT Aug. 19, 2010 J 30,000 0 0 $0
Richard J Lis Exec. Vice President Sept. 5, 2007 A 920 0 0 $0
James C Burkhart Senior VIce President Sept. 6, 2005 A 40 0 0 $0
Eugene Bernath Chairman of the Board Nov. 14, 2003 J 4,608 0 0 $0
Gregory R Allen Director Sept. 25, 2026 A 433 1 0 $10,341
Ahmed Alomari Director Sept. 18, 2026 A 1,109 0 0 $0
Ian D Boyce Director Sept. 18, 2026 A 3,437 2 0 $13,469
Simon R. Frank Director Sept. 18, 2026 A 3,651 0 0 $0
Lori Ann Johnston Director Sept. 18, 2026 A 3,820 0 0 $0
Steven J Planson Director Sept. 18, 2026 A 29,857 1 0 $54,545
Kevin J Sauder Director Sept. 18, 2026 A 8,775 0 0 $0
Andrew J Briggs Director Aug. 18, 2026 S 49,148 0 68 $-6,216,640
Kevin G Frey Director June 4, 2026 A 81,636 0 0 $0
David P Vernon Director June 4, 2026 A 50,471 0 0 $0
Jo Ellen Hornish Director June 5, 2025 A 41,008 0 0 $0
Brad K. Stamm Director June 6, 2024 A 143,910 0 0 $0
Eugene N Burkholder Director June 6, 2024 A 25,667 0 0 $0
Jack Cornelius Jackson Director June 6, 2024 A 5,422 0 0 $0
Anthony Rupp Director June 3, 2021 A 19,313 0 0 $0
Steven Everhart Director June 3, 2021 A 19,834 0 0 $0
Paul S Siebenmorgen Director June 3, 2021 A 31,753 0 0 $0
Steven Wyse Director Sept. 12, 2016 P 143,836 0 0 $0
Darryl L Faye Director Dec. 7, 2012 P 1,200 0 0 $0
James Saneholtz Director March 1, 2012 P 6,900 0 0 $0
Robert G Frey Director Dec. 15, 2011 P 73,759 0 0 $0
Dean Miller Director June 10, 2008 J 24,253 0 0 $0
Betty Young Director Jan. 5, 2007 J 900 0 0 $0
Dexter Benecke Director Nov. 18, 2005 J 1,423 0 0 $0
David R Gerken · Aug. 6, 2026 S 6,509 0 2 $-56,952

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 21 ETFs

20

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
IWC · iShares Trust 0.12% 47,045 SH Sept. 11, 2026 Daily
VTWV · VANGUARD SCOTTSDALE FUNDS 0.03% 11,812 SH Aug. 19, 2026 Daily
IWM · iShares Trust 0.02% 380,040 SH Sept. 11, 2026 Daily
OMFS · Invesco Exchange-Traded Self-Indexe… 0.02% 1,190 SH Oct. 1, 2026 Daily
RSSL · Global X Funds 0.01% 6,475 NS July 31, 2026 N-PORT
VTWO · VANGUARD SCOTTSDALE FUNDS 0.01% 78,219 SH Aug. 19, 2026 Daily
DFSV · Dimensional ETF Trust 0.01% 23,803 NS July 31, 2026 N-PORT
PRFZ · Invesco Exchange-Traded Fund Trust 0.01% 6,320 SH Oct. 2, 2026 Daily
DFAS · Dimensional ETF Trust 0.01% 28,392 NS July 31, 2026 N-PORT
DFAT · Dimensional ETF Trust 0.01% 21,803 NS July 31, 2026 N-PORT
IWV · iShares Trust 0.00% 4,476 SH Sept. 3, 2026 Daily
DFSU · Dimensional ETF Trust 0.00% 569 NS July 31, 2026 N-PORT
DCOR · Dimensional ETF Trust 0.00% 839 NS July 31, 2026 N-PORT
DFAU · Dimensional ETF Trust 0.00% 2,777 NS July 31, 2026 N-PORT
DFUS · Dimensional ETF Trust 0.00% 2,456 NS July 31, 2026 N-PORT
DFAC · Dimensional ETF Trust 0.00% 6,363 NS July 31, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS 0.00% 148,532 SH Aug. 19, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 416,556 SH Aug. 19, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 957 SH Aug. 19, 2026 Daily
DXUV · Dimensional ETF Trust 0.00% 4 NS July 31, 2026 N-PORT
IWN · iShares Trust · 140,578 SH Sept. 11, 2026 Daily

FMAO Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

21
rating · 8 analysts SELL
Median target $36.00 +1.4%
0 0.0% Strong Buy
0 0.0% Buy
5 62.5% Hold
1 12.5% Sell
2 25.0% Strong Sell

12-Month Price Target

3 analysts · 2026-10-04

Mean target $36.00 +1.4%

Low$36.00 Mean$36.00 High$36.00

Peer comparison (GICS sub-industry) Key metrics vs sector peers

22

FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
FMAO $340M 10.2 19.6% 27.4% 9.2% ·
PBAM · · · · · ·
COFS $443M 14.7 63.6% 12.4% 6.3% ·
PDLB $395M 13.6 30.5% 26.3% 5.4% ·
WTBA $376M 11.6 19.4% 34.2% 12.8% ·
CZNC $359M 12.3 13.3% 19.1% 7.5% ·
BMRC $419M -11.6 -58.1% -121.4% -8.6% ·
PBFS $338M 16.2 15.2% 128.3% 6.4% ·
RBB $352M 11.3 -2.4% 618.3% 6.1% ·
FRBA · · · · · ·
TFC $62.13B 12.9 53.0% 26.1% 8.2% ·

Latest News Recent headlines mentioning this company

23

My Metrics Your personal watchlist — selected rows from Full Fundamentals

26

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Source: SEC 10-Q filed Jul 29, 2026