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Equity
Farmers & Merchants Bancorp Inc(FMAO)
USD --+0.00%
Reward57Moderate
Risk60Medium-High
📊75%Data
Strong 28% profit margin · 3.4% dividend yield · Revenue growing 20% YoY
FMAO
+0.0 · +0.00%
USD · NASDAQ
Farmers & Merchants Bancorp Inc | Financial Services
Dividend King
Market Cap:362.72M
ℹ️
Reward Rating
57
Moderate
Top 50% (model universe)
75% data coverage
ℹ️
Risk Rating
60
Medium-High
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on FMAO to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

Analyst Target

Analyst consensus price target: $30.50.

What is 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, Northeast Indiana, and Southeast Michigan.

FMAO · Verdict

Solid reward · elevated risk

FMAO stands out on profitability and cash flow, but watch the balance sheet signal.

Based on 88% data coverage

FMAO · Verdict

What’s working & what to watch

Strengths 2

  • Profitability75/100

    18% net margin · 9% ROE

  • Cash flow67/100

    18% net margin

Watchouts 2

  • Balance sheet10/100

    Net debt/EBITDA 4.8×

  • Valuation36/100

    P/E 15.9× · PEG 2.97

Model-based scoring. For information only — not financial advice.

What is 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, Northeast Indiana, and Southeast Michigan. The company offers checking, savings, and time deposit accounts; certificates of deposit; and custodial services for individual retirement and health savings accounts. The company is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 362.72M, and a P/E ratio of 10.9x.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue and earnings growing steadily, indicating improving operating performance.
💰 Profitability
Strong margins and consistent earnings support financial stability.
⚠️ Risk
Performance tied to macro conditions — sensitive to interest rate cycles.
💸 Valuation
Premium valuation reflects strong growth expectations already priced in.

OpenBook Logo Analysis

Reward: Moderate (57)

The scoring profile indicates moderate reward potential, with profitability and growth as the leading contributors. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap362.72M
P/E Ratio10.9461
Dividend Yield3.37%
52 Week High29.8311
52 Week Low20.3428
Last AnnualDecember
IPO Date11/23/2004
IncorporatedUSA
Shares Outstanding14M
No. of Employees476
IndustryBanks - Regional
ExchangeNASDAQ
Beta0.851
CurrencyUSD
Websitewww.fm.bank
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