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Equity
Farmers and Merchants Bancshares Inc(FMFG)
USD --+0.00%
Reward44Moderate
Risk57Medium-High
📊75%Data
Strong 23% profit margin · 3.6% dividend yield · Revenue growing 21% YoY
FMFG
+0.0 · +0.00%
USD · PINK
Farmers and Merchants Bancshares Inc | Financial Services
Balanced
Market Cap:61.46M
ℹ️
Reward Rating
44
Moderate
Bottom 25% (model universe)
75% data coverage
ℹ️
Risk Rating
57
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 FMFG 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.

What is Farmers and Merchants Bancshares Inc?

operates as the bank holding company for Farmers and Merchants Bank that provides commercial and retail banking services to individuals and businesses in Maryland.

FMFG · Verdict

Moderate reward · elevated risk

FMFG's standout is volatility; balance sheet and valuation weigh on the picture.

Based on 88% data coverage

FMFG · Verdict

What’s working & what to watch

Strengths 1

  • Volatility75/100

    Above average

Watchouts 4

  • Balance sheet25/100

    Net debt/EBITDA 4.5×

  • Valuation31/100

    Below average

  • Growth41/100

    Rev +16.3% CAGR · earnings -10.7%

  • Cash flow45/100

    2% free-cash-flow margin

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

What is Farmers and Merchants Bancshares Inc?

operates as the bank holding company for Farmers and Merchants Bank that provides commercial and retail banking services to individuals and businesses in Maryland. It offers checking, savings, money market, individual retirement, and sweep accounts, as well as certificates of deposit, remote check deposits, and repurchase agreements. The company is listed on the PINK in USA, operating in the Financial Services sector, with a market capitalisation of 61.46M, and a P/E ratio of 10.5x.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue and earnings growing steadily, indicating improving operating performance.
💰 Profitability
Adequate profitability with some margin variability in recent periods.
⚠️ 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 (44)

The scoring profile indicates limited reward potential at this time, with profitability and momentum offering the most support. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap61.46M
P/E Ratio10.5138
Dividend Yield3.57%
52 Week High21
52 Week Low14.1585
Last AnnualDecember
IPO DateN/A
IncorporatedUSA
Shares Outstanding3M
No. of Employees94
IndustryBanks - Regional
ExchangePINK
Beta-0.239
CurrencyUSD
Websitewww.fmb1919.bank
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