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Farmers & Merchants Bancshares, Inc. FMBN

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Price alert · FMBN

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44.00 USD 0.00 0.00%

At close · Oct 30

44.00 Day range 44.00
30.00 52-week range 47.00
YTD
+43.09%
1 year
+46.67%
Open
44.00
Prev close
44.00
Mkt cap
145.19M
Vol
400
Avg vol
67
EPS
0.34
P/E
129.41
More statistics
Low
44.00
High
44.00

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Financial health

Altman Z-Score

4.40 Safe zone

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

Piotroski F-Score

3 / 9 Weak

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

Valuation

P/E 7.6×
FY 2004: 17.2×FY 2017: 38.0×FY 2018: -218×FY 2019: 49.0×FY 2020: 6.3×FY 2021: 9.8×FY 2022: 9.1×FY 2023: -72.0×FY 2024: 8.5×FY 2025: 7.6×
FY 2004 5y median 8.5× FY 2025
P/S 0.7×
FY 2004: 2.4×FY 2017: 1.8×FY 2018: 1.6×FY 2019: 0.8×FY 2020: 0.7×FY 2021: 0.9×FY 2022: 0.7×FY 2023: 0.5×FY 2024: 0.7×FY 2025: 0.7×
FY 2004 5y median 0.7× FY 2025
P/B 0.6×
FY 2004: 1.2×FY 2017: 860×FY 2018: 847×FY 2019: 0.6×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 1.3×FY 2023: 756×FY 2024: 0.7×FY 2025: 0.6×
FY 2004 5y median 0.7× FY 2025
P/FCF 5.0×
FY 2004: 0.0×FY 2017: 1.6×FY 2018: 2.2×FY 2019: 15.7×FY 2020: 5.2×FY 2021: 4.9×FY 2022: 9.4×FY 2023: 23.5×FY 2024: 6.0×FY 2025: 5.0×
FY 2004 5y median 6.0× FY 2025
EV/EBITDA 11.8×
FY 2004: 8.3×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 96.4×FY 2020: -5.8×FY 2021: -0.5×FY 2022: -1.4×FY 2023: 71.6×FY 2024: 18.1×FY 2025: 11.8×
FY 2004 5y median 11.8× FY 2025
EV/Sales 1.7×
FY 2004: 1.6×FY 2017: 1.8×FY 2018: 1.6×FY 2019: -0.8×FY 2020: -0.9×FY 2021: -0.1×FY 2022: -0.2×FY 2023: 1.6×FY 2024: 2.6×FY 2025: 1.7×
FY 2004 5y median 1.6× FY 2025
FCF Yield 20.0%
FY 2004: 0.0%FY 2017: 63.3%FY 2018: 46.5%FY 2019: 6.4%FY 2020: 19.4%FY 2021: 20.2%FY 2022: 10.6%FY 2023: 4.3%FY 2024: 16.8%FY 2025: 20.0%
FY 2004 5y median 16.8% FY 2025

Profitability

Gross Margin 81.4%
FY 2004: 100.0%FY 2017: 91.2%FY 2018: 83.5%FY 2019: 95.9%FY 2020: 91.6%FY 2021: 94.4%FY 2022: 0.1%FY 2023: 78.4%FY 2024: 100.0%FY 2025: 81.4%
FY 2004 5y median 81.4% FY 2025
Operating Margin 11.8%
FY 2004: 19.1%FY 2017: 91.2%FY 2018: 83.5%FY 2019: 67.3%FY 2020: 12.0%FY 2021: 10.3%FY 2022: 9.7%FY 2023: -1.7%FY 2024: 9.7%FY 2025: 11.8%
FY 2004 5y median 9.7% FY 2025
Net Margin 9.4%
FY 2004: 13.4%FY 2017: 4.6%FY 2018: -0.7%FY 2019: 1.7%FY 2020: 10.6%FY 2021: 8.7%FY 2022: 7.7%FY 2023: -0.7%FY 2024: 8.0%FY 2025: 9.4%
FY 2004 5y median 8.0% FY 2025
ROE 8.4%
FY 2004: 6.9%FY 2017: 2265.4%FY 2018: -380.7%FY 2019: 1.2%FY 2020: 7.7%FY 2021: 5.8%FY 2022: 13.8%FY 2023: -1057.2%FY 2024: 8.0%FY 2025: 8.4%
FY 2004 5y median 8.0% FY 2025
ROIC 0.5%
FY 2004: 1.0%FY 2017: 1114.3%FY 2018: 3020.3%FY 2019: 4.3%FY 2020: 0.7%FY 2021: 0.5%FY 2022: 0.5%FY 2023: -0.1%FY 2024: 2.3%FY 2025: 0.5%
FY 2004 5y median 0.5% FY 2025
ROA 0.5%
FY 2004: 0.5%FY 2017: 164.3%FY 2018: -26.7%FY 2019: 0.1%FY 2020: 0.5%FY 2021: 0.3%FY 2022: 0.3%FY 2023: -0.0%FY 2024: 0.3%FY 2025: 0.5%
FY 2004 5y median 0.3% FY 2025

Growth (YoY)

Revenue 29.4%
FY 2004: 18.2%FY 2017: 0.0%FY 2018: -0.7%FY 2019: 45.6%FY 2020: 13.8%FY 2021: -11.2%FY 2022: 4.1%FY 2023: 7.2%FY 2024: -17.0%FY 2025: 29.4%
FY 2004 FY 2025
Operating Income 56.5%
FY 2004: 177.7%FY 2017: 0.0%FY 2018: -9.1%FY 2019: 17.2%FY 2020: -79.6%FY 2021: -24.1%FY 2022: -2.2%FY 2023: -119.0%FY 2024: 571.7%FY 2025: 56.5%
FY 2004 FY 2025
EPS (diluted) 49.8%
FY 2004: 70.6%FY 2017: 0.0%FY 2018: -116.7%FY 2019: 455.6%FY 2020: 593.8%FY 2021: -27.0%FY 2022: -8.6%FY 2023: -110.1%FY 2024: 996.7%FY 2025: 49.8%
FY 2004 FY 2025
Free Cash Flow 60.9%
FY 2004: 0.0%FY 2017: 0.0%FY 2018: -31.7%FY 2019: -89.7%FY 2020: 174.2%FY 2021: 18.7%FY 2022: -55.1%FY 2023: -67.8%FY 2024: 326.0%FY 2025: 60.9%
FY 2004 FY 2025

Financial Health

Current Ratio 0.5×
FY 2004: 6.7×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.5×FY 2020: 0.4×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.0×FY 2025: 0.5×
FY 2004 5y median 0.2× FY 2025
Quick Ratio 0.5×
FY 2004: 6.7×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.5×FY 2020: 0.4×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.0×FY 2025: 0.5×
FY 2004 5y median 0.2× FY 2025
Debt / Equity 1.3×
FY 2004: 0.1×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.4×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.7×FY 2023: 2182×FY 2024: 2.3×FY 2025: 1.3×
FY 2004 5y median 1.3× FY 2025
Net Debt / EBITDA 7.0×
FY 2004: -4.5×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 203×FY 2020: -9.9×FY 2021: -4.9×FY 2022: -5.8×FY 2023: 47.7×FY 2024: 13.2×FY 2025: 7.0×
FY 2004 5y median 7.0× FY 2025
Interest Coverage 0.7×
FY 2004: 0.5×FY 2017: 3.6×FY 2018: 2.3×FY 2019: 6.6×FY 2020: 1.4×FY 2021: 1.8×FY 2022: 1.0×FY 2023: -0.1×FY 2024: 0.3×FY 2025: 0.7×
FY 2004 5y median 0.7× FY 2025

Dividends

Dividend Yield 3.2%
FY 2004: 0.0%FY 2017: 8.0%FY 2018: 8.4%FY 2019: 3.2%FY 2020: 3.6%FY 2021: 3.1%FY 2022: 3.7%FY 2023: 4.6%FY 2024: 4.3%FY 2025: 3.2%
FY 2004 5y median 3.7% FY 2025
Payout Ratio 24.7%
FY 2004: 0.0%FY 2017: 302.7%FY 2018: -1867.8%FY 2019: 157.0%FY 2020: 22.4%FY 2021: 30.7%FY 2022: 33.5%FY 2023: -331.1%FY 2024: 36.5%FY 2025: 24.7%
FY 2004 5y median 30.7% FY 2025

Annual · latest fiscal year ends 2025-12-31