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Farmers & Merchants Bancorp Inc

FMAO

26.520USD

+0.710+2.75%

Close 09/18, 16:00（ET）Quotes delayed by 15 min

364.01MMarket Cap

12.55P/E TTM



Farmers & Merchants Bancorp Inc

26.520

+0.710+2.75%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated: 2025-09-18

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered overvalued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Hold. Despite an average stock market performance, the company shows strong fundamentals and technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking

124 / 400

Overall Ranking

223 / 4721

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 3 analysts

Hold

Current Rating

26.167

Target Price

+1.38%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Company Highlights

StrengthsRisks

Farmers & Merchants Bancorp, Inc. is a bank holding company. The Company's primary subsidiary, The Farmers & Merchants State Bank (Bank) is a local independent community bank that is primarily serves Northwest Ohio and Northeast Indiana. The Bank is engaged in the general commercial banking business. Its activities include commercial, agricultural, and residential mortgage as well as consumer lending activities. The Bank also provides checking account services, as well as savings and time deposit services such as certificates of deposits. Its loan portfolio is comprised of loans made to customers in the farming industry for such things as farmland, farm equipment, livestock and operating loans for seed, fertilizer, and feed. The Bank provides on-line banking access for consumer and business customers. In addition, it also provides automated teller machines (ATMs) or interactive teller machines (ITMs) at the branch locations along with other independent locations in the market area.

Growing

The company is in a growing phase, with the latest annual income totaling USD 98.70M.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 46.96%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 46.96%.

Overvalued

The company’s latest PB is 1.04, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 4.92M shares, decreasing 2.29% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 677.63K shares of this stock.

Financial Health

Currency: USD Updated: 2025-09-18

The company's current financial score is 8.10, which is higher than the Banking Services industry's average of 7.07. Its financial status is stable, and its operating efficiency is high. Its latest quarterly revenue reached 28.89M, representing a year-over-year increase of 18.99%, while its net profit experienced a year-over-year increase of 35.61%.

Score

Industry at a Glance

Previous score

8.10

Change



Financials

7.95

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

7.81

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

8.56

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

7.71

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

8.50

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated: 2025-09-18

The company’s current valuation score is 1.80, which is higher than the Banking Services industry's average of 1.34. Its current P/E ratio is 11.96, which is 2.21% below the recent high of 12.23 and 2.60% above the recent low of 11.65.

Score

Industry at a Glance

Previous score

1.80

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 124/400

No Data

Earnings Forecast

Currency: USD Updated: 2025-09-18

The company’s current earnings forecast score is 6.00, which is lower than the Banking Services industry's average of 7.39. The average price target for Farmers & Merchants Bancorp Inc is 26.00, with a high of 26.50 and a low of 26.00.

Score

Industry at a Glance

Previous score

6.00

Change

Support & Resistance

No Data

Analyst Rating

Based on 3 analysts

Hold

Current Rating

26.167

Target Price

+1.38%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

306

Total

Median

Average

Company name

Ratings

Analysts

Farmers & Merchants Bancorp Inc

FMAO

Bank of America Corp

BAC

JPMorgan Chase & Co

JPM

Wells Fargo & Co

WFC

US Bancorp

USB

Regions Financial Corp

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-09-18

The company’s current price momentum score is 6.84, which is lower than the Banking Services industry's average of 7.69. Sideways: Currently, the stock price is trading between the resistance level at 27.12 and the support level at 24.55, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

6.84

Change

1.66

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(1)

Neutral(2)

Buy(4)

Indicators

Value

Direction

MACD(12,26,9)

-0.074

Neutral

RSI(14)

55.542

Neutral

STOCH(KDJ)(9,3,3)

61.082

Buy

ATR(14)

0.843

Low Volatility

CCI(14)

120.007

Buy

Williams %R

30.824

Buy

TRIX(12,20)

0.100

Sell

StochRSI(14)

100.000

Buy

Moving Average

Sell(0)

Neutral(0)

Buy(6)

Indicators

Value

Direction

MA5

25.968

Buy

MA10

26.012

Buy

MA20

26.150

Buy

MA50

25.648

Buy

MA100

25.229

Buy

MA200

25.805

Buy

Institutional Confidence

Currency: USD Updated: 2025-09-18

The company’s current institutional recognition score is 3.00, which is lower than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 35.81%, representing a quarter-over-quarter decrease of 0.66%. The largest institutional shareholder is The Vanguard, holding a total of 677.63K shares, representing 4.94% of shares outstanding, with 3.62% increase in holdings.

Score

Industry at a Glance

Previous score

3.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

BlackRock Institutional Trust Company, N.A.

857.63K

-1.81%

Briggs (Andrew J.)

712.59K

+0.11%

The Vanguard Group, Inc.

Star Investors

669.43K

+2.55%

Manulife Investment Management (North America) Limited

302.37K

-0.07%

Geode Capital Management, L.L.C.

294.94K

+2.07%

State Street Global Advisors (US)

249.58K

-1.70%

Dimensional Fund Advisors, L.P.

176.10K

+7.90%

Stamm (K Brad)

143.91K

+0.50%

Mendel Money Management, Inc.

139.69K

-1.20%

Gryphon Financial Partners LLC

100.19K

Risk Assessment

Currency: USD Updated: 2025-09-18

The company’s current risk assessment score is 4.76, which is lower than the Banking Services industry's average of 5.23. The company's beta value is 0.89. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.