Farmers & Merchants Bancorp, Inc.
General ticker "FMAO" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $346.4M (TTM average)
Farmers & Merchants Bancorp, Inc. follows the US Stock Market performance with the rate: 40.5%.
Estimated limits based on current volatility of 1.5%: low 27.22$, high 28.04$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-04-03, amount 0.23$ (Y3.39%)
- Total employees count: 473 as of 2024
- Top business risk factors: Liquidity and credit risks, Regulatory and compliance, Trade policy changes, Agricultural risks, Cybersecurity threats
- Price in estimated range
- Earnings for 3 months up through Q1 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [22.25$, 30.02$]
- 2026-12-31 to 2027-12-31 estimated range: [21.27$, 29.19$]
Financial Metrics affecting the FMAO estimates:
- Positive: with PPE of 10.9 at the end of fiscal year the price was neutral
- Positive: 6.59 < Operating cash flow per share per price, % of 10.19
- Positive: Operating profit margin, % of 22.49 > 18.39
- Negative: Interest expense per share per price, % of 19.20 > 3.31
- Negative: Shareholder equity ratio, % of 10.80 <= 19.24
- Negative: -0.16 < Industry inventory ratio change (median), % of 0
- Positive: Industry operating cash flow per share per price (median), % of 10.80 > 10.39
- Positive: Industry operating profit margin (median), % of 22.72 > 9.60
Short-term FMAO quotes
Long-term FMAO plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $97.30MM | $101.53MM | $189.09MM |
| Operating Expenses | $74.67MM | $74.80MM | $146.57MM |
| Operating Income | $22.64MM | $26.73MM | $42.52MM |
| Non-Operating Income | $5.72MM | $5.84MM | $0.00MM |
| Interest Expense | $58.41MM | $77.66MM | $69.25MM |
| Income(Loss) | $28.35MM | $32.57MM | $42.52MM |
| Taxes | $5.57MM | $6.63MM | $9.22MM |
| Net Income(Loss)* | $22.79MM | $25.94MM | $33.31MM |
| Stockholders Equity | $316.54MM | $335.21MM | $370.86MM |
| Assets | $3,283.23MM | $3,364.72MM | $3,434.38MM |
| Operating Cash Flow | $22.15MM | $32.47MM | $36.74MM |
| Capital expenditure | $10.93MM | $1.87MM | $1.77MM |
| Investing Cash Flow | $-194.09MM | $-44.36MM | $-138.70MM |
| Financing Cash Flow | $229.73MM | $46.04MM | $23.33MM |
| Earnings Per Share** | $1.67 | $1.90 | $2.43 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.