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Farmers & Merchants Bancorp, Inc. (FMAO)

Profile

Full Name

Farmers & Merchants Bancorp, Inc.

Ticker

NASDAQ: FMAO

Exchange

NASDAQ

Sector

Financial Services

Industry

Regional Banks

Country

United States

IPO

January 30, 2006

Indexes

Not included

Website

https://www.fm.bank

Employees

473

Key Details

Price

$26.01(-1.85%)

Market cap

$356.96M(Small cap)

Last Dividend

$0.22

TTM Dividend yield

3.40%

Annual revenue

$178.38M(+15.00% YoY)

Annual EPS

$1.90(+13.77% YoY)

PE ratio

12.04

Next earnings date

Oct 30, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $26.01
    FMAO price is $26.01

    30-Day Relative Volume

    0.64
    FMAO 30-day relative volume is 0.64

    Price Performance

    Price Most recent change

    -1.85%
    FMAO price was down -1.85% on Sep 12, 2025

    Price YTD change

    -11.68%
    FMAO price is down -11.68% since January 1st

    Price 1-year change

    -3.02%
    FMAO price is down -3.02% year-on-year

    Price 3-year change

    -6.81%
    FMAO price is down -6.81% over the past 3 years

    Price Range

    Price All-time high

    $49.99
    FMAO price is currently -47.97% below its historical high of $49.99

    Price 3-year low

    $16.90
    FMAO price is currently +53.91% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $356.96M
    FMAO market capitalization is $356.96 million

    Market cap 3-year change

    -2.11%
    FMAO market capitalization is down -2.11% over the past 3 years

    Market cap All-time high

    $545.11M
    FMAO market capitalization is currently -34.52% below its historical high of $545.11 million

    Market cap sector rank

    44.55%
    FMAO market capitalization is higher than 44.55% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +0.32%
    FMAO shares outstanding is up +0.32% year-on-year

    Shares Outstanding 3-Year Change

    +5.04%
    FMAO shares outstanding is up +5.04% over the past 3 years

    Technical Indicators

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    Beta

    0.92
    FMAO beta is 0.92

    200-day SMA

    $25.95
    FMAO price is currently +0.24% above its 200-day simple moving average

    50-day SMA

    $25.72
    FMAO price is currently +1.14% above its 50-day simple moving average

    RSI

    51.45
    FMAO 14-day relative strength index is 51.45

    Volume

    0.64
    FMAO 30-day relative volume is 0.64

    ATR

    $0.87
    FMAO average true range is $0.87

    10-day Historical Volatility

    24.26%
    FMAO 10-day historical volatility is 24.26%

    Dividend

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    Events

    Last Paid Dividend

    $0.22
    FMAO last dividend was $0.22 per share, with an ex-dividend date of July 7, 2025

    Next Dividend

    -
    FMAO next dividend has not yet been announced

    Dividend per share

    Dividend per share

    $0.88
    FMAO annual dividend per share is $0.88

    Dividend per share Sector Rank

    46.55%
    FMAO annual dividend per share is higher than 46.55% of companies in Financial Services sector

    Dividend per share 1-Year Change

    +3.84%
    FMAO annual dividend per share is up +3.84% year-on-year

    Dividend per share 3-Year Change

    +24.31%
    FMAO annual dividend per share is up +24.31% over the past 3 years

    Dividend yield

    Dividend yield

    3.39%
    FMAO annual dividend yield is 3.39%

    Dividend yield Sector Rank

    39.92%
    FMAO annual dividend yield is higher than 39.92% of companies in Financial Services sector

    Other

    Payout ratio

    -46.88%
    FMAO annual payout ratio is -46.88%

    Dividends paid

    -$11.92M
    FMAO annual dividends paid is -$11.92 million

    Free cash flow

    $32.10M
    FMAO annual free cash flow is $32.10 million

    Income Statement

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    Revenue

    Revenue

    $178.38M
    FMAO annual revenue is $178.38 million

    Revenue Analysts estimate

    $102.56M
    FMAO annual revenue is currently +73.92% higher than the consensus analysts' forecast

    Revenue 1-year change

    +15%
    FMAO annual revenue is up +15% year-on-year

    Revenue Sector rank

    57.92%
    FMAO annual revenue is higher than 57.92% of companies in Financial Services sector

    EPS

    EPS

    $1.90
    FMAO annual earnings per share is $1.90

    EPS Analysts estimate

    $2.27
    FMAO annual earnings per share is currently -16.30% lower than the consensus analysts' forecast

    EPS 1-year change

    +13.77%
    FMAO annual earnings per share is up +13.77% year-on-year

    EPS Sector rank

    66.38%
    FMAO annual earnings per share is higher than 66.38% of companies in Financial Services sector

    Profit

    Gross profit

    $0.00
    FMAO annual gross profit is $0.00

    Gross margin

    0.00%
    FMAO annual gross profit margin is 0.00%

    Operating profit

    $32.57M
    FMAO annual operating income is $32.57 million

    Operating margin

    18.26%
    FMAO annual operating profit margin is 18.26%

    Net income

    $25.43M
    FMAO annual net profit is $25.43 million

    Net margin

    14.26%
    FMAO annual net profit margin is 14.26%

    Expenses

    Total expenses

    $152.94M
    FMAO annual total expenses is $152.94 million

    Operating expenses

    -$32.57M
    FMAO annual total operating expenses is -$32.57 million

    Cost of goods sold

    -
    FMAO annual cost of goods sold value is unknown

    Selling, general & administrative expenses

    $0.00
    FMAO annual SGA is $0.00

    Depreciation and amortization

    $6.37M
    FMAO annual depreciation & amortization is $6.37 million

    Interest expense

    $77.66M
    FMAO annual interest expense is $77.66 million

    Income tax

    $6.63M
    FMAO annual income tax is $6.63 million

    EBIT & EBITDA

    EBIT

    $110.23M
    FMAO annual earnings before interest & taxes is $110.23 million

    EBITDA

    $116.61M
    FMAO annual EBITDA is $116.61 million

    Balance Sheet

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    Assets

    Total assets

    $3.36B
    FMAO annual total assets is $3.36 billion

    Non current assets

    $3.15B
    FMAO annual long term assets is $3.15 billion

    Current assets

    $189.53M
    FMAO annual total current assets is $189.53 million

    Cash and cash equivalents

    $174.85M
    FMAO annual cash & cash equivalents is $174.85 million

    Accounts receivable

    -
    FMAO annual accounts receivable value is unknown

    Inventory

    -
    FMAO annual inventory value is unknown

    Liabilities

    Total liabilities

    $3.03B
    FMAO annual total liabilities is $3.03 billion

    Long term liabilities

    $2.97B
    FMAO annual total long term liabilities is $2.97 billion

    Current liabilities

    $1.88B
    FMAO annual total current liabilities is $1.88 billion

    Accounts payable

    -
    FMAO annual accounts payable value is unknown

    Debt

    Total debt

    $314.50M
    FMAO annual total debt is $314.50 million

    Total debt 1-year change

    -6.01%
    FMAO annual total debt is down -6.01% year-on-year

    Long term debt

    $286.29M
    FMAO annual long term debt is $286.29 million

    Short term debt

    $28.20M
    FMAO annual short term debt is $28.20 million

    Equity & Capital

    Shareholders equity

    $335.21M
    FMAO annual stockholders equity is $335.21 million

    Book value

    $335.21M
    FMAO annual book value is $335.21 million

    Retained earnings

    $235.85M
    FMAO annual retained earnings is $235.85 million

    Working capital

    -$1.69B
    FMAO annual working capital is -$1.69 billion

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $33.97M
    FMAO annual cash flow from operations is $33.97 million

    Cash from operations 1-year change

    +53.03%
    FMAO annual cash flow from operations is up +53.03% year-on-year

    Cash from investing

    -$45.85M
    FMAO annual cash flow from investing activities is -$45.85 million

    Cash from investing 1-year change

    +76.38%
    FMAO annual cash flow from investing activities is up +76.38% year-on-year

    Cash from financing

    $46.04M
    FMAO annual cash flow from financing activities is $46.04 million

    Cash from financing 1-year change

    -79.96%
    FMAO annual cash flow from financing activities is down -79.96% year-on-year

    CAPEX

    CAPEX

    $1.87M
    FMAO annual capital expenditures is $1.87 million

    CAPEX 1-year change

    -82.88%
    FMAO annual capital expenditures is down -82.88% year-on-year

    Free Cash Flow

    Free cash flow

    $32.10M
    FMAO annual free cash flow is $32.10 million

    Free cash flow 1-year change

    +184.87%
    FMAO annual free cash flow is up +184.87% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    0.00%
    FMAO annual gross profit margin is 0.00%

    Operating margin

    18.26%
    FMAO annual operating profit margin is 18.26%

    Net margin

    14.26%
    FMAO annual net profit margin is 14.26%

    ROA & ROE

    ROA

    0.77%
    FMAO annual return on assets is 0.77%

    ROE

    7.80%
    FMAO annual return on equity is 7.80%

    Valuation

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    PE Ratio

    PE ratio

    12.04
    FMAO price to earnings ratio is 12.04

    PE ratio Sector rank

    31.92%
    FMAO price to earnings ratio is higher than 31.92% of companies in Financial Services sector

    PB Ratio

    PB ratio

    1.02
    FMAO price to book ratio is 1.02

    PB ratio Sector rank

    31.65%
    FMAO price to book ratio is higher than 31.65% of companies in Financial Services sector

    PS Ratio

    PS ratio

    1.95
    FMAO price to sales ratio is 1.95

    PS ratio Sector rank

    44.3%
    FMAO price to sales ratio is higher than 44.3% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $520.25M
    FMAO enterprise value is $520.25 million

    Enterprise value Sector rank

    47.69%
    FMAO enterprise value is higher than 47.69% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    -
    FMAO EV/EBITDA value is unknown

    EV/EBITDA Sector rank

    -
    FMAO EV/EBITDA is unknown

    Financial Health

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    Liquidity

    Current ratio

    0.10
    FMAO annual current ratio is 0.10

    Quick ratio

    -
    FMAO annual quick ratio value is unknown

    Leverage

    Debt to equity

    0.94
    FMAO annual debt to equity ratio is 0.94

    Interest coverage ratio

    1.42
    FMAO annual interest coverage ratio is 1.42

    Risk & Stability

    Piotroski F-Score

    5
    FMAO piotroski f-score is 5

    Altman Z-Score

    -0.27
    FMAO altman z-score is -0.27

    Analyst ratings

    Recent major analysts updates

    Aug 5, 24 Piper Sandler
    Neutral
    Apr 5, 24 Hovde Group
    Market Perform
    Aug 1, 23 Stephens & Co.
    Equal-Weight
    Jul 28, 23 Piper Sandler
    Underweight
    Feb 9, 23 Stephens & Co.
    Equal-Weight
    Dec 21, 22 Janney Montgomery Scott
    Neutral
    Oct 24, 22 Stephens & Co.
    Equal-Weight
    Oct 21, 22 Piper Sandler
    Neutral
    Apr 22, 22 Piper Sandler
    Underweight
    Oct 9, 20 Stephens & Co.
    Equal-Weight

    Institutional Ownership

    Screeners with FMAO included

    Growing Shares Outstanding
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    NASDAQ Listed Companies
    • What is the ticker symbol for Farmers & Merchants Bancorp, Inc.?
    • Does Farmers & Merchants Bancorp, Inc. pay dividends?
    • What sector is Farmers & Merchants Bancorp, Inc. in?
    • What industry is Farmers & Merchants Bancorp, Inc. in?
    • What country is Farmers & Merchants Bancorp, Inc. based in?
    • When did Farmers & Merchants Bancorp, Inc. go public?
    • Is Farmers & Merchants Bancorp, Inc. in the S&P 500?
    • Is Farmers & Merchants Bancorp, Inc. in the NASDAQ 100?
    • Is Farmers & Merchants Bancorp, Inc. in the Dow Jones?
    • When was Farmers & Merchants Bancorp, Inc.'s last earnings report?
    • When does Farmers & Merchants Bancorp, Inc. report earnings?

    What is the ticker symbol for Farmers & Merchants Bancorp, Inc.?

    The ticker symbol for Farmers & Merchants Bancorp, Inc. is NASDAQ:FMAO

    Does Farmers & Merchants Bancorp, Inc. pay dividends?

    Yes, Farmers & Merchants Bancorp, Inc. pays dividends. The last payment was $0.22, with an ex-dividend date on July 7, 2025

    What sector is Farmers & Merchants Bancorp, Inc. in?

    Farmers & Merchants Bancorp, Inc. is in the Financial Services sector

    What industry is Farmers & Merchants Bancorp, Inc. in?

    Farmers & Merchants Bancorp, Inc. is in the Regional Banks industry

    What country is Farmers & Merchants Bancorp, Inc. based in?

    Farmers & Merchants Bancorp, Inc. is headquartered in United States

    When did Farmers & Merchants Bancorp, Inc. go public?

    Farmers & Merchants Bancorp, Inc.'s initial public offering (IPO) was on January 30, 2006

    Is Farmers & Merchants Bancorp, Inc. in the S&P 500?

    No, Farmers & Merchants Bancorp, Inc. is not included in the S&P 500 index

    Is Farmers & Merchants Bancorp, Inc. in the NASDAQ 100?

    No, Farmers & Merchants Bancorp, Inc. is not included in the NASDAQ 100 index

    Is Farmers & Merchants Bancorp, Inc. in the Dow Jones?

    No, Farmers & Merchants Bancorp, Inc. is not included in the Dow Jones index

    When was Farmers & Merchants Bancorp, Inc.'s last earnings report?

    Farmers & Merchants Bancorp, Inc.'s most recent earnings report was on April 30, 2025

    When does Farmers & Merchants Bancorp, Inc. report earnings?

    The next expected earnings date for Farmers & Merchants Bancorp, Inc. is October 30, 2025
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