NASDAQ: FMAOFarmers & Merchants Bancorp Inc Stock
$21.19+0.11 (+0.52%)
Updated Apr 23, 2024
FMAO Price
$21.19
Fair Value Price
$26.32
Market Cap
$289.55M
52 Week Low
$16.90
52 Week High
$27.78
P/E
12.69x
P/B
0.91x
P/S
3.54x
PEG
23.7x
Dividend Yield
4.06%
Revenue
$95.69M
Earnings
$22.79M
Gross Margin
100%
Operating Margin
29.63%
Profit Margin
23.8%
Debt to Equity
9.37
Operating Cash Flow
$22M
Beta
1.08
Next Earnings
N/A
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 (33)
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Due Diligence Checks
FMAO ($21.19) is undervalued by 19.48% relative to our estimate of its Fair Value price of $26.32 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
FMAO ($21.19) is not significantly undervalued (19.48%) relative to our estimate of its Fair Value price of $26.32 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
FMAO ($21.19) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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Valuation
FMAO fair value
Fair Value of FMAO stock based on Discounted Cash Flow (DCF)
Price
$21.19
Fair Value
$26.32
Undervalued by
19.48%
FMAO ($21.19) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
FMAO ($21.19) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
FMAO ($21.19) is trading above... 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
12.69x
Industry
-10.89x
Market
41.92x
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
0.91x
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 poor value relative... subscribe to Premium to read more.
PEG Value Valuation
FMAO's financial health
Profit margin
Revenue
$23.4M
Net Income
$5.5M
Profit Margin
23.7%
FMAO's Earnings (EBIT) of $28.35M... 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
$3.3B
Liabilities
$3.0B
Debt to equity
9.37
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
$10.6M
Investing
-$48.0M
Financing
$26.4M
FMAO's operating cash flow ($22.15M)... subscribe to Premium to read more.
Debt Coverage Financials
FMAO vs Bank Stocks
Farmers & Merchants Bancorp Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.