Beta

Farmers & merchants bancorp, inc.FMAO.US Overview

US StockFinancial Services
(No presentation for FMAO)
OverviewAI AnalysisFinancialsFinancial ForecastStock SentimentalInstitutionsTradingView Chart

Ticker

Value

empty

There is no following symbol in this watchlist.

FMAO AI Insights

FMAO Overall Performance

FMAO AI Analysis & Strategy

AI Strategy

Browsing restrictions can be lifted for a fee.

FMAO Recent Performance

-3.61%

Farmers & merchants bancorp, inc.

-0.79%

Avg of Sector

-0.21%

S&P500

FMAO PowerScanner

Introduction >>

Power Squeeze

Surfing Trend

1 Day

1 Week

1 Month

Check FMAO's Trend

FMAO Key Information

FMAO Valuation Metrics

FMAO Profile

Farmers & Merchants Bancorp, Inc. operates as the bank holding company for The Farmers & Merchants State Bank that provides commercial banking services to individuals and small businesses in northwest Ohio and northeast Indiana. The company offers checking, savings, and time deposit accounts; certificates of deposit; and custodial services for individual retirement and health savings accounts. It also provides commercial, agricultural, and residential mortgage, as well as consumer and credit card lending products; loans for farmland, farm equipment, and livestock; operating loans for seeds, fertilizers, and feeds; home improvement loans; and loans for autos, trucks, recreational vehicles, and motorcycles. In addition, the company offers commercial real estate loans, such as lines of credit and machinery purchase loans. Further, it provides automated teller machine or interactive teller machine services; and online and mobile banking, remote deposit capture or electronic deposit processing, and merchant credit card services. It also offers electronic transaction origination, such as wire and automated clearing house file transmittal services. Farmers & Merchants Bancorp, Inc. was founded in 1897 and is headquartered in Archbold, Ohio.

Price of FMAO

FMAO FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.61
PE Ratio (TTM)
10.17
Forward PE
15.92
PS Ratio (TTM)
2.96
PB Ratio
0.97
Price-to-FCF
9.75
METRIC
VALUE
vs. INDUSTRY
Gross Margin
88.42%
Net Margin
25.74%
Revenue Growth (YoY)
34.02%
Profit Growth (YoY)
18.50%
3-Year Revenue Growth
24.13%
3-Year Profit Growth
8.17%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.61
PE Ratio (TTM)
10.17
Forward PE
15.92
PS Ratio (TTM)
2.96
PB Ratio
0.97
Price-to-FCF
9.75
Gross Margin
88.42%
Net Margin
25.74%
Revenue Growth (YoY)
34.02%
Profit Growth (YoY)
18.50%
3-Year Revenue Growth
24.13%
3-Year Profit Growth
8.17%
  • When is FMAO's latest earnings report released?

    The most recent financial report for Farmers & merchants bancorp, inc. (FMAO) covers the period of 2026Q1 and was published on 2026/03/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating FMAO's short-term business performance and financial health. For the latest updates on FMAO's earnings releases, visit this page regularly.

  • Where does FMAO fall in the P/E River chart?

    According to historical valuation range analysis, Farmers & merchants bancorp, inc. (FMAO)'s current price-to-earnings (P/E) ratio is 9.21, placing it in the Value zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of FMAO?

    According to the latest financial report, Farmers & merchants bancorp, inc. (FMAO) reported an Operating Profit of 12.34M with an Operating Margin of 25.82% this period, representing a growth of 40.81% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is FMAO's revenue growth?

    In the latest financial report, Farmers & merchants bancorp, inc. (FMAO) announced revenue of 47.78M, with a Year-Over-Year growth rate of 73.6%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does FMAO have?

    As of the end of the reporting period, Farmers & merchants bancorp, inc. (FMAO) had total debt of 268.71M, with a debt ratio of 0.08. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does FMAO have?

    At the end of the period, Farmers & merchants bancorp, inc. (FMAO) held Total Cash and Cash Equivalents of 172.85M, accounting for 0.05 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does FMAO go with three margins increasing?

    In the latest report, Farmers & merchants bancorp, inc. (FMAO) achieved the “three margins increasing” benchmark, with a gross margin of 66.17%%, operating margin of 25.82%%, and net margin of 20.05%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess FMAO's profit trajectory and future growth potential.

  • Is FMAO's EPS continuing to grow?

    According to the past four quarterly reports, Farmers & merchants bancorp, inc. (FMAO)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.7. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of FMAO?

    Farmers & merchants bancorp, inc. (FMAO)'s Free Cash Flow (FCF) for the period is 13.24M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 603.83% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of FMAO?

    The latest valuation data shows Farmers & merchants bancorp, inc. (FMAO) has a Price-To-Earnings (PE) ratio of 9.21 and a Price/Earnings-To-Growth (PEG) ratio of -6.54. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.

FMAO Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1