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Farmers & Merchants Bancorp, Inc. FMAO

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Price alert · FMAO

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36.42 USD -0.69 -1.86%

At close · Oct 30

37.22 +0.80 +2.20%

After hours · Oct 30, 4:00 PM ET

Bid
36.39 × 2
Ask
36.49 × 2
36.41 Day range 37.19
23.14 52-week range 37.11
YTD
+47.33%
1 year
+53.87%
Open
37.00
Prev close
37.11
Mkt cap
501.17M
Vol
48.87K
Avg vol
58.15K
EPS
3.11
P/E
11.71
Div yield
2.96%
More statistics
Low
36.41
High
37.19
Forward P/E
15.63
Beta
0.64
Short ratio
4.16
Inst. own
26.74%
Dividend
0.89
Ex-div date
Dec 26, 2024
Earnings
Feb 11, 2025
50-d avg
30.59
200-d avg
25.29
1y target
31.25

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Financial health

Altman Z-Score

-0.45 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 2
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 7.2×
FY 2016: 13.9×FY 2017: 29.6×FY 2018: 23.9×FY 2019: 18.2×FY 2020: 12.8×FY 2021: 16.3×FY 2022: 11.0×FY 2023: 14.9×FY 2024: 15.5×FY 2025: 7.2×
FY 2016 5y median 14.9× FY 2025
P/S 1.8×
FY 2016: 3.3×FY 2017: 7.4×FY 2018: 6.4×FY 2019: 4.2×FY 2020: 3.0×FY 2021: 4.1×FY 2022: 3.1×FY 2023: 2.2×FY 2024: 2.2×FY 2025: 1.8×
FY 2016 5y median 2.2× FY 2025
P/B 0.9×
FY 2016: 1.3×FY 2017: 2.8×FY 2018: 2.5×FY 2019: 1.4×FY 2020: 1.0×FY 2021: 1.3×FY 2022: 1.2×FY 2023: 1.1×FY 2024: 1.2×FY 2025: 0.9×
FY 2016 5y median 1.2× FY 2025
P/FCF 9.8×
FY 2016: 16.0×FY 2017: 23.7×FY 2018: 44.1×FY 2019: 16.3×FY 2020: 10.5×FY 2021: 11.6×FY 2022: 9.3×FY 2023: 30.2×FY 2024: 12.9×FY 2025: 9.8×
FY 2016 5y median 11.6× FY 2025
EV/EBITDA 10.9×
FY 2016: 11.4×FY 2017: 19.0×FY 2018: 17.0×FY 2019: 13.4×FY 2020: 6.8×FY 2021: 10.5×FY 2022: 11.1×FY 2023: 15.3×FY 2024: 13.5×FY 2025: 10.9×
FY 2016 5y median 11.1× FY 2025
EV/Sales 2.9×
FY 2016: 4.4×FY 2017: 7.5×FY 2018: 6.2×FY 2019: 4.5×FY 2020: 2.3×FY 2021: 3.9×FY 2022: 4.4×FY 2023: 3.4×FY 2024: 3.0×FY 2025: 2.9×
FY 2016 5y median 3.4× FY 2025
FCF Yield 10.2%
FY 2016: 6.3%FY 2017: 4.2%FY 2018: 2.3%FY 2019: 6.1%FY 2020: 9.5%FY 2021: 8.6%FY 2022: 10.7%FY 2023: 3.3%FY 2024: 7.7%FY 2025: 10.2%
FY 2016 5y median 8.6% FY 2025

Profitability

Gross Margin 62.3%
FY 2016: 88.8%FY 2017: 89.5%FY 2018: 87.7%FY 2019: 79.7%FY 2020: 79.6%FY 2021: 88.3%FY 2022: 83.3%FY 2023: 60.4%FY 2024: 55.9%FY 2025: 62.3%
FY 2016 5y median 62.3% FY 2025
Operating Margin 22.5%
FY 2016: 34.1%FY 2017: 35.3%FY 2018: 32.6%FY 2019: 29.1%FY 2020: 29.6%FY 2021: 32.0%FY 2022: 35.6%FY 2023: 18.6%FY 2024: 18.4%FY 2025: 22.5%
FY 2016 5y median 22.5% FY 2025
Net Margin 17.6%
FY 2016: 24.4%FY 2017: 25.0%FY 2018: 26.7%FY 2019: 23.5%FY 2020: 23.6%FY 2021: 25.5%FY 2022: 28.6%FY 2023: 15.0%FY 2024: 14.7%FY 2025: 17.6%
FY 2016 5y median 17.6% FY 2025
ROE 9.0%
FY 2016: 9.3%FY 2017: 9.5%FY 2018: 10.4%FY 2019: 8.0%FY 2020: 8.1%FY 2021: 7.9%FY 2022: 10.9%FY 2023: 7.2%FY 2024: 7.7%FY 2025: 9.0%
FY 2016 5y median 7.9% FY 2025
ROIC 4.8%
FY 2016: 5.7%FY 2017: 7.1%FY 2018: 8.5%FY 2019: 6.1%FY 2020: 6.8%FY 2021: 5.5%FY 2022: 6.2%FY 2023: 3.4%FY 2024: 3.8%FY 2025: 4.8%
FY 2016 5y median 4.8% FY 2025
ROA 1.0%
FY 2016: 1.1%FY 2017: 1.1%FY 2018: 1.3%FY 2019: 1.1%FY 2020: 1.1%FY 2021: 0.9%FY 2022: 1.1%FY 2023: 0.7%FY 2024: 0.8%FY 2025: 1.0%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 7.1%
FY 2016: 7.7%FY 2017: 6.2%FY 2018: 10.1%FY 2019: 40.1%FY 2020: 8.8%FY 2021: 8.1%FY 2022: 23.3%FY 2023: 33.8%FY 2024: 16.1%FY 2025: 7.1%
FY 2016 FY 2025
Operating Income 30.6%
FY 2016: 15.3%FY 2017: 9.7%FY 2018: 1.9%FY 2019: 24.7%FY 2020: 10.7%FY 2021: 17.0%FY 2022: 37.2%FY 2023: -29.9%FY 2024: 14.9%FY 2025: 30.6%
FY 2016 FY 2025
EPS (diluted) 79.5%
FY 2016: 12.5%FY 2017: 9.5%FY 2018: 16.7%FY 2019: 3.1%FY 2020: 8.4%FY 2021: 11.7%FY 2022: 22.4%FY 2023: -32.1%FY 2024: 13.8%FY 2025: 79.5%
FY 2016 FY 2025
Free Cash Flow 13.1%
FY 2016: -23.4%FY 2017: 57.2%FY 2018: -48.6%FY 2019: 151.8%FY 2020: 18.3%FY 2021: 35.7%FY 2022: 16.1%FY 2023: -70.5%FY 2024: 172.8%FY 2025: 13.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.8×
FY 2016: 0.6×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.8×FY 2023: 1.0×FY 2024: 0.9×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
Net Debt / EBITDA 4.1×
FY 2016: 2.8×FY 2017: 0.3×FY 2018: -0.5×FY 2019: 0.7×FY 2020: -1.9×FY 2021: -0.5×FY 2022: 3.1×FY 2023: 5.4×FY 2024: 3.4×FY 2025: 4.1×
FY 2016 5y median 3.4× FY 2025
Interest Coverage 0.6×
FY 2016: 3.9×FY 2017: 3.5×FY 2018: 2.8×FY 2019: 1.5×FY 2020: 2.4×FY 2021: 4.0×FY 2022: 2.8×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 3.6%
FY 2016: 2.6%FY 2017: 1.2%FY 2018: 1.4%FY 2019: 1.9%FY 2020: 2.8%FY 2021: 2.0%FY 2022: 2.9%FY 2023: 3.4%FY 2024: 3.0%FY 2025: 3.6%
FY 2016 5y median 3.0% FY 2025
Payout Ratio 36.3%
FY 2016: 35.3%FY 2017: 34.9%FY 2018: 33.2%FY 2019: 34.5%FY 2020: 35.8%FY 2021: 32.6%FY 2022: 31.6%FY 2023: 49.7%FY 2024: 46.0%FY 2025: 36.3%
FY 2016 5y median 36.3% FY 2025

Annual · latest fiscal year ends 2025-12-31