Farmers & Merchants Bancorp, Inc. (FMAO) Stock Price

FMAOStock

$33.68+27.07%52W

Market Cap$463.88M

P/E14.71x

PEG Ratio1.95

Div yield4.36%

Beta0.81

FMAO Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)11.02%

Price vs S&P 500 (4W)-4.36%

PEG Ratio1.95

VGM Score64.53

P/E Ratio (Annual)14.71x

Indicated Dividend Yield (Annual)4.36%

P/CF (Annual)13.34x

Book Value / Share (Quarterly)$27.92

P/TBV (Annual)0.93x

Indicated Dividend (Annual)$0.92

Revenue Growth (3Y)13.98%

Cash Flow / Share (Quarterly)$3.01

Payout Ratio (TTM)30.85%

Price vs S&P 500 (YTD)25.54%

Net Profit Margin (TTM)24.37%

EPS (TTM)$2.95

10-Day Avg Trading Volume0.06M

EPS Excl Extra (TTM)$2.95

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)12.24x

Revenue Growth QoQ (YoY)40.67%

EPS Growth (5Y)6.29%

P/E Normalized (Annual)14.71x

ROA (Last FY)0.97%

Revenue Growth TTM (YoY)39.28%

EBITD / Share (TTM)$3.29

ROE (5Y Avg)8.55%

Operating Margin (TTM)30.29%

Cash Flow / Share (Annual)$2.54

P/B Ratio1.27x

P/B Ratio (Quarterly)1.09x

Net Income / Employee (Annual)$70,400

ROA (TTM)1.16%

EPS Growth QoQ (YoY)52.42%

EV / EBITDA (TTM)8.63x

EPS Incl Extra (Annual)$2.46

3-Month Avg Trading Volume0.09M

52-Week Price Return27.07%

EV / Free Cash Flow (Annual)15.43x

P/E Incl Extra (TTM)12.24x

Tangible BV / Share (Quarterly)$27.55

P/S Ratio (Annual)2.57x

52-Week High$35.94

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 Return22.27%

13-Week Price Return22.13%

Total Debt / Equity (Annual)0.20x

Enterprise Value$539.74M

Revenue / Share Growth (5Y)8.85%

Book Value / Share Growth (5Y)3.94%

Revenue / Employee (Annual)$250,794,100,000

Pretax Margin (Annual)39.56%

Cash / Share (Annual)$6.11

3-Month Return Std Dev33.70%

Net Income / Employee (TTM)$84,600

EBITDA CAGR (5Y)18.72%

EBITDA Interim CAGR (5Y)15.71%

ROE (Last FY)8.98%

EPS Basic Excl Extra (Annual)$2.46

P/FCF (TTM)11.79x

EV / Free Cash Flow (TTM)12.99x

Total Debt / Equity (Quarterly)0.13x

EPS Incl Extra (TTM)$2.95

ROI (TTM)9.29%

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/E11.00x

Free OCF CAGR (5Y)7.68%

Price vs S&P 500 (52W)8.75%

P/E Ratio (TTM)12.24x

EPS Growth TTM (YoY)34.68%

Year-to-Date Return37.50%

5-Day Price Return-2.40%

EPS Normalized (Annual)$2.46

ROA (5Y Avg)0.88%

Net Profit Margin (Annual)31.78%

Month-to-Date Return1.89%

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)11.37x

ROI (5Y Avg)6.82%

P/E Excl Extra (TTM)12.24x

LT Debt / Equity (Quarterly)0.09x

EPS Basic Excl Extra (TTM)$2.95

P/TBV (Quarterly)1.11x

Payout Ratio (Annual)36.28%

P/B Ratio (Annual)0.92x

Dividend / Share (TTM)$0.90

Pretax Margin (TTM)30.29%

Book Value / Share (Annual)$26.98

Price vs S&P 500 (13W)19.34%

Net Margin Growth (5Y)3.21%

Dividend Yield (TTM)2.52%

Beta0.81x

P/FCF (Annual)14.01x

Revenue / Share (TTM)$7.44

ROE (TTM)10.72%

52-Week Low$22.77

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FMAO Earnings Surprise History

Q2 250.56est. 0.50

Q3 250.64est. 0.59

Q4 250.71est. 0.66

Q1 260.72est. 0.68

Q2 260.86est. 0.67

FMAO Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

2.38

Industry Peers — Savings Institutions(37)

Symbol	Value Score	Growth Score	Momentum Score	Price
FMAOFarmers & Merchants Bancorp, Inc.	C	B	B	$33.68
HSBCHSBC Holdings PLC	B	C	B	$104.38
AXAxos Financial, Inc. Common Stock	C	B	C	$98.82
EBCEastern Bankshares, Inc. Common Stock	D	B	C	$22.36
TFSLTFS Financial Corporation	F	D	B	$17.79
BKUBankunited, Inc.	B	D	D	$46.32
PFSProvident Financial Services, Inc.	B	C	D	$23.46
CLBKColumbia Financial, Inc. Common Stock	F	F	A	$11.65
CFFNCapitol Federal Financial, Inc.	C	D	C	$8.54
HTBHomeTrust Bancshares, Inc.	C	B	D	$46.61
KRNYKearny Financial Corporation	C	D	A	$9.89
NFBKNorthfield Bancorp, Inc.	C	D	C	$15.31
NRIMNorthrim BanCorp Inc	B	D	D	$25.55
PDLBPonce Financial Group, Inc. Common Stock	C	A	B	$20.20
WSBFWaterstone Financial, Inc.	B	D	B	$21.03
FNRNFirst Northern Community Bancorp Common stock	D	D	B	$17.44
WNEBWestern New England Bancorp, Inc.	C	D	D	$13.78
FCAPFirst Capital Inc	C	B	B	$62.04
CZWICitizens Community Bancorp, Inc.	C	D	C	$20.85
FNWDFinward Bancorp Common Stock	C	C	B	$43.06
BVFLBV Financial, Inc. Common Stock	C	C	C	$21.34
BCBPBCB Bancorp Inc (NJ)	B	C	F	$8.66
LSBKLake Shore Bancorp, Inc.	D	D	B	$17.24
FGBIFIRST GUARANTY BANCSHARES INC	B	C	F	$8.13
MGYRMagyar Bancorp, Inc.	B	B	C	$19.50
SFBCSound Financial Bancorp, Inc.	D	D	C	$47.11
PROVProvident Financial Hldgs	C	D	C	$18.30
BYFCBroadway Financial Corp/Del	D	F	A	$11.88
RVSBRiverview Bancorp Inc	C	D	D	$5.17
FDSBFifth District Bancorp, Inc. Common Stock	D	A	A	$18.18
CPBICentral Plains Bancshares, Inc. Common Stock	D	F	A	$21.00
HFBLHome Federal Bancorp, Inc. of Louisiana	B	C	B	$26.83
FSEAFirst Seacoast Bancorp, Inc. Common Stock	F	D	D	$17.11
CLSTCatalyst Bancorp, Inc. Common Stock	D	D	C	$17.37
NSTSNSTS Bancorp, Inc. Common Stock	B	A	C	$14.00
KFFBKentucky First Federal Bancorp	D	A	A	$5.83
IROQIF Bancorp, Inc.	D	D	F	$0.00
SIFIHarbor Ares Systematic Multi-Sector Income ETF	—	—	D	$43.55

About Farmers & Merchants Bancorp, Inc.

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.