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NASDAQ: FMAO
Farmers & Merchants Bancorp Inc Stock

$21.68+0.11 (+0.51%)
Updated Dec 7, 2023
FMAO Price
$21.68
Fair Value Price
$26.81
Market Cap
$296.28M
52 Week Low
$16.90
52 Week High
$30.81
P/E
12.18x
P/B
0.98x
P/S
2.43x
PEG
0.29x
Dividend Yield
3.87%
Revenue
$98.24M
Earnings
$24.43M
Gross Margin
100%
Operating Margin
30.92%
Profit Margin
24.9%
Debt to Equity
9.67
Operating Cash Flow
$30M
Beta
1.07
Next Earnings
Feb 6, 2024
Ex-Dividend
N/A
Next Dividend
N/A

FMAO Overview

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.

Zen Score

Industry Average (38)
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Due Diligence Checks

FMAO ($21.68) is undervalued by 19.13% relative to our estimate of its Fair Value price of $26.81 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
FMAO ($21.68) is not significantly undervalued (19.13%) relative to our estimate of its Fair Value price of $26.81 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
FMAO ($21.68) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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FMAO News

Valuation

FMAO fair value

Fair Value of FMAO stock based on Discounted Cash Flow (DCF)
Price
$21.68
Fair Value
$26.81
Undervalued by
19.13%
FMAO ($21.68) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
FMAO ($21.68) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
FMAO ($21.68) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

FMAO price to earnings (PE)

For valuing profitable companies with steady earnings
Company
12.18x
Industry
-5.95x
Market
31.17x
FMAO is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
FMAO is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

FMAO price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
0.98x
Industry
0.99x
FMAO is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

FMAO price to earnings growth (PEG)

For valuing profitable companies with growth potential
FMAO is good value based... subscribe to Premium to read more.
PEG Value Valuation

FMAO's financial health

Profit margin

Revenue
$22.9M
Net Income
$4.8M
Profit Margin
20.8%
FMAO's Earnings (EBIT) of $30.37M... subscribe to Premium to read more.
Interest Coverage Financials
FMAO's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$3.2B
Liabilities
$2.9B
Debt to equity
9.67
FMAO's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
FMAO's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$4.8M
Investing
-$4.6M
Financing
$81.8M
FMAO's operating cash flow ($30.26M)... subscribe to Premium to read more.
Debt Coverage Financials

FMAO vs Bank Stocks

TickerMarket Cap1d %P/EP/B
FMAO$296.28M+0.51%12.18x0.98x
SBT$296.81M+0.53%-18.39x0.94x
CZFS$294.70M+1.38%14.53x1.12x
FBIZ$294.35M+0.85%8.08x1.05x
NRIM$298.93M+2.95%11.15x1.33x

Farmers & Merchants Bancorp Stock FAQ

What is Farmers & Merchants Bancorp's quote symbol?

(NASDAQ: FMAO) Farmers & Merchants Bancorp trades on the NASDAQ under the ticker symbol FMAO. Farmers & Merchants Bancorp stock quotes can also be displayed as NASDAQ: FMAO.

If you're new to stock investing, here's how to buy Farmers & Merchants Bancorp stock.

What is the 52 week high and low for Farmers & Merchants Bancorp (NASDAQ: FMAO)?

(NASDAQ: FMAO) Farmers & Merchants Bancorp's 52-week high was $30.81, and its 52-week low was $16.90. It is currently -29.63% from its 52-week high and 28.28% from its 52-week low.

How much is Farmers & Merchants Bancorp stock worth today?

(NASDAQ: FMAO) Farmers & Merchants Bancorp currently has 13,666,182 outstanding shares. With Farmers & Merchants Bancorp stock trading at $21.68 per share, the total value of Farmers & Merchants Bancorp stock (market capitalization) is $296.28M.

Farmers & Merchants Bancorp stock was originally listed at a price of $10.91 in Jan 30, 2006. If you had invested in Farmers & Merchants Bancorp stock at $10.91, your return over the last 17 years would have been 98.79%, for an annualized return of 4.12% (not including any dividends or dividend reinvestments).

How much is Farmers & Merchants Bancorp's stock price per share?

(NASDAQ: FMAO) Farmers & Merchants Bancorp stock price per share is $21.68 today (as of Dec 7, 2023).

What is Farmers & Merchants Bancorp's Market Cap?

(NASDAQ: FMAO) Farmers & Merchants Bancorp's market cap is $296.28M, as of Dec 8, 2023.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Farmers & Merchants Bancorp's market cap is calculated by multiplying FMAO's current stock price of $21.68 by FMAO's total outstanding shares of 13,666,182.
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