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Farmers & Merchants Bancorp, Inc. (FMAO)
Price$27.20
Favorite Metrics
Price vs S&P 500 (26W)8.52%
Price vs S&P 500 (4W)-0.06%
Market Capitalization$373.95M
P/E Ratio (Annual)11.23x
Indicated Dividend Yield (Annual)3.36%
All Metrics
P/CF (Annual)10.18x
Book Value / Share (Quarterly)$26.98
P/TBV (Annual)0.93x
Indicated Dividend (Annual)$0.91
Revenue Growth (3Y)13.98%
Cash Flow / Share (Quarterly)$2.54
Payout Ratio (TTM)36.28%
Price vs S&P 500 (YTD)6.58%
Net Profit Margin (TTM)24.37%
EPS (TTM)$2.46
10-Day Avg Trading Volume0.04M
EPS Excl Extra (TTM)$2.46
Revenue Growth (5Y)19.65%
EPS (Annual)$2.46
Dividend / Share (Annual)$0.88
ROI (Annual)7.51%
Net Profit Margin (5Y Avg)28.65%
Cash / Share (Quarterly)$11.10
P/E Basic Excl Extra (TTM)11.23x
Revenue Growth QoQ (YoY)40.67%
EPS Growth (5Y)6.29%
P/E Normalized (Annual)11.23x
ROA (Last FY)0.97%
Revenue Growth TTM (YoY)39.28%
EBITD / Share (TTM)$3.40
ROE (5Y Avg)8.55%
Operating Margin (TTM)30.29%
Cash Flow / Share (Annual)$2.54
P/B Ratio1.01x
P/B Ratio (Quarterly)0.92x
Net Income / Employee (Annual)$0
ROA (TTM)0.98%
EPS Growth QoQ (YoY)12.80%
EV / EBITDA (TTM)9.68x
EPS Incl Extra (Annual)$2.46
3-Month Avg Trading Volume0.03M
52-Week Price Return25.72%
EV / Free Cash Flow (Annual)12.77x
P/E Incl Extra (TTM)11.23x
Tangible BV / Share (Quarterly)$26.60
P/S Ratio (Annual)2.57x
52-Week High$29.83
Operating Margin (5Y Avg)35.64%
EPS Excl Extra (Annual)$2.46
CapEx CAGR (5Y)-11.31%
Tangible BV CAGR (5Y)8.27%
26-Week Price Return17.27%
13-Week Price Return8.22%
Total Debt / Equity (Annual)0.20x
Enterprise Value$446.599
Revenue / Share Growth (5Y)8.85%
Book Value / Share Growth (5Y)3.94%
Revenue / Employee (Annual)$250,794
Pretax Margin (Annual)39.56%
Cash / Share (Annual)$6.11
3-Month Return Std Dev35.89%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)10.72%
EBITDA Interim CAGR (5Y)7.69%
ROE (Last FY)8.98%
EPS Basic Excl Extra (Annual)$2.46
P/FCF (TTM)10.69x
EV / Free Cash Flow (TTM)12.77x
Total Debt / Equity (Quarterly)0.20x
EPS Incl Extra (TTM)$2.46
ROI (TTM)7.92%
Dividend Growth Rate (5Y)6.43%
P/S Ratio (TTM)2.62x
Pretax Margin (5Y Avg)35.64%
Revenue / Share (Annual)$7.82
Tangible BV / Share (Annual)$26.60
Forward P/E9.73x
Free OCF CAGR (5Y)7.68%
Price vs S&P 500 (52W)-9.37%
P/E Ratio (TTM)11.23x
EPS Growth TTM (YoY)29.71%
Year-to-Date Return10.72%
5-Day Price Return1.97%
EPS Normalized (Annual)$2.46
ROA (5Y Avg)0.88%
Net Profit Margin (Annual)31.78%
Month-to-Date Return6.62%
Cash Flow / Share (TTM)$2.22
EBITD / Share (Annual)$3.40
EPS Growth (3Y)-0.33%
Operating Margin (Annual)39.56%
LT Debt / Equity (Annual)0.09x
P/CF (TTM)10.18x
ROI (5Y Avg)6.82%
P/E Excl Extra (TTM)11.23x
LT Debt / Equity (Quarterly)0.09x
EPS Basic Excl Extra (TTM)$2.46
P/TBV (Quarterly)0.93x
Payout Ratio (Annual)36.28%
P/B Ratio (Annual)0.92x
Dividend / Share (TTM)$0.88
Pretax Margin (TTM)30.29%
Book Value / Share (Annual)$26.98
Price vs S&P 500 (13W)5.36%
Net Margin Growth (5Y)3.21%
Dividend Yield (TTM)3.23%
Beta0.85x
P/FCF (Annual)10.69x
Revenue / Share (TTM)$7.44
ROE (TTM)9.33%
52-Week Low$21.56
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
2.38
2.38
2.29
2.38
Industry Peers — Savings Institutions(36)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
FMAOFarmers & Merchants Bancorp, Inc. | 0.92x | 9.33% | 0.98% | — | $27.20 |
HSBCHSBC Holdings PLC | 1.38x | 14.21% | 0.85% | — | $91.59 |
AXAxos Financial, Inc. Common Stock | 1.67x | 16.59% | 1.75% | — | $98.97 |
EBCEastern Bankshares, Inc. Common Stock | 1.01x | 2.29% | 0.33% | — | $20.97 |
TFSLTFS Financial Corporation | 1.97x | 4.79% | 0.52% | — | $15.05 |
BKUBankunited, Inc. | 1.10x | 8.99% | 0.76% | — | $47.34 |
PFSProvident Financial Services, Inc. | 0.91x | 10.62% | 1.18% | — | $22.84 |
CLBKColumbia Financial, Inc. Common Stock | 1.40x | 4.58% | 0.48% | — | $18.41 |
CFFNCapitol Federal Financial, Inc. | 0.86x | 6.99% | 0.75% | — | $7.72 |
HTBHomeTrust Bancshares, Inc. | 1.25x | 11.00% | 1.41% | — | $45.47 |
NFBKNorthfield Bancorp, Inc. | 0.69x | 0.11% | 0.01% | — | $13.85 |
About
Farmers & Merchants Bancorp is an Ohio-based banking company providing commercial and consumer lending services. Its business includes commercial, agricultural, and residential mortgage lending, as well as consumer and credit card products.