Financhill
Buy
74

FMAO Quote, Financials, Valuation and Earnings

Last price:
$24.84
Seasonality move :
2.48%
Day range:
$24.59 - $25.63
52-week range:
$20.88 - $33.71
Dividend yield:
3.59%
P/E ratio:
10.77x
P/S ratio:
1.81x
P/B ratio:
0.94x
Volume:
13.1K
Avg. volume:
18.6K
1-year change:
-24.16%
Market cap:
$341M
Revenue:
$178.4M
EPS (TTM):
$2.30

Analysts' Opinion

  • Consensus Rating
    Farmers & Merchants Bancorp, Inc. (Ohio) has received a consensus rating of Hold. The company's average rating is a Hold based on 0 Buy ratings, 3 Hold ratings, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $26.17, Farmers & Merchants Bancorp, Inc. (Ohio) has an estimated upside of 5.51% from its current price of $24.80.
  • Price Target Downside
    According to analysts, the lowest downside price target is $26.00 representing 100% downside risk from its current price of $24.80.

Fair Value

  • According to the consensus of 3 analysts, Farmers & Merchants Bancorp, Inc. (Ohio) has 5.51% upside to fair value with a price target of $26.17 per share.

FMAO vs. S&P 500

  • Over the past 5 trading days, Farmers & Merchants Bancorp, Inc. (Ohio) has overperformed the S&P 500 by 0.91% suggesting its relative strength compared to the major market average is strong at this time.

Share Buyback

  • Farmers & Merchants Bancorp, Inc. (Ohio) does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Farmers & Merchants Bancorp, Inc. (Ohio) has grown year-over-year revenues for 21 quarters straight. In the most recent quarter Farmers & Merchants Bancorp, Inc. (Ohio) reported revenues of $48.3M.

Earnings Growth

  • Farmers & Merchants Bancorp, Inc. (Ohio) has grown year-over-year earnings for 5 quarters straight. In the most recent quarter Farmers & Merchants Bancorp, Inc. (Ohio) reported earnings per share of $0.64.
Enterprise value:
586.5M
EV / Invested capital:
0.97x
Price / LTM sales:
1.81x
EV / EBIT:
5.25x
EV / Revenue:
3.15x
PEG ratio (5yr expected):
0.29x
EV / Free cash flow:
23.81x
Price / Operating cash flow:
13.68x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.93%
Net Income Margin (TTM):
16.83%
Return On Equity:
9.06%
Return On Invested Capital:
4.94%
Operating Margin:
23.28%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Income Statement
Revenue $146.7M $174.7M $186.1M $45.6M $48.3M
Gross Profit -- -- -- -- --
Operating Income $30.4M $29.8M $40.2M $8.6M $11.2M
EBITDA -- -- -- -- --
Diluted EPS $1.79 $1.68 $2.30 $0.48 $0.64
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Balance Sheet
Current Assets $172.9M $75.9M $167M $260.3M $132.1M
Total Assets $2.2B $2.8B $3.2B $3.4B $3.4B
Current Liabilities $1.1B $1.3B $1.3B $1.4B $1.4B
Total Liabilities $2B $2.5B $2.9B $3.1B $3B
Total Equity $254.7M $280.6M $303.2M $335.4M $361.8M
Total Debt $52.3M $146.7M $301M $297.9M $222.8M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Cash Flow Statement
Cash Flow Operations $28.5M $40.2M $26.9M $18.5M $7.4M
Cash From Investing -$243.8M -$38.5M -$130.4M -$3.6M -$11.5M
Cash From Financing $297.9M $90.6M -$25M $37.5M $32.9M
Free Cash Flow $18.6M $37.2M $24.6M $18.2M $6.9M
FMAO
Sector
Market Cap
$341M
$553.7M
Price % of 52-Week High
73.57%
89.88%
Dividend Yield
3.59%
1.65%
Shareholder Yield
8.44%
3.16%
1-Year Price Total Return
-24.16%
1.48%
Beta (5-Year)
0.837
0.481
Dividend yield:
3.59%
Annualized payout:
$0.88
Payout ratio:
35.29%
Growth streak:
15 years

Technicals

8-day SMA
Sell
Level $24.92
200-day SMA
Buy
Level $24.71
Bollinger Bands (100)
Sell
Level 24.08 - 26.06
Chaikin Money Flow
Buy
Level 1.9M
20-day SMA
Buy
Level $24.51
Relative Strength Index (RSI14)
Buy
Level 52.10
ADX Line
Sell
Level 12.94
Williams %R
Neutral
Level -34.8276
50-day SMA
Buy
Level $24.48
MACD (12, 26)
Buy
Level 0.17
25-day Aroon Oscillator
Buy
Level 36
On Balance Volume
Neutral
Level 1.1M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (-0.2647)
Sell
CA Score (Annual)
Level (-2.1409)
--
Beneish M-Score (Annual)
Level (--)
Sell
Momentum Score
Level (3)
Sell
Ohlson Score
Level (3.9536)
Buy
Piotroski F Score (Annual)
Level (6)
Buy
Quality Ratio Score
Level (2)
Buy
Fundamental Score
Level (7)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Farmers & Merchants Bancorp, Inc. is a bank holding company, which engages in the provision of commercial banking, retail banking, and financial services. It includes commercial, agricultural, and residential mortgages as well as consumer and credit card lending activities. The firm also offers checking account services, and savings and time deposit services. The company was founded in 1985 and is headquartered in Archbold, OH.

Stock Forecast FAQ

In the current month, FMAO has received 0 Buy ratings 3 Hold ratings, and 0 Sell ratings. The FMAO average analyst price target in the past 3 months is $26.17.

  • Where Will Farmers & Merchants Bancorp, Inc. (Ohio) Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Farmers & Merchants Bancorp, Inc. (Ohio) share price will rise to $26.17 per share over the next 12 months.

  • What Do Analysts Say About Farmers & Merchants Bancorp, Inc. (Ohio)?

    Analysts are divided on their view about Farmers & Merchants Bancorp, Inc. (Ohio) share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Farmers & Merchants Bancorp, Inc. (Ohio) is a Sell and believe this share price will drop from its current level to $26.00.

  • What Is Farmers & Merchants Bancorp, Inc. (Ohio)'s Price Target?

    The price target for Farmers & Merchants Bancorp, Inc. (Ohio) over the next 1-year time period is forecast to be $26.17 according to 3 Wall Street analysts, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 3 analysts rate the stock a Hold.

  • Is FMAO A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Farmers & Merchants Bancorp, Inc. (Ohio) is a Hold. 3 of 3 analysts rate the stock a Hold at this time.

  • How Can I Buy Shares Of FMAO?

    You can purchase shares of Farmers & Merchants Bancorp, Inc. (Ohio) via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Farmers & Merchants Bancorp, Inc. (Ohio) shares.

  • What Is The Farmers & Merchants Bancorp, Inc. (Ohio) Share Price Today?

    Farmers & Merchants Bancorp, Inc. (Ohio) was last trading at $24.84 per share. This represents the most recent stock quote for Farmers & Merchants Bancorp, Inc. (Ohio). Yesterday, Farmers & Merchants Bancorp, Inc. (Ohio) closed at $24.80 per share.

  • How To Buy Farmers & Merchants Bancorp, Inc. (Ohio) Stock Online?

    In order to purchase Farmers & Merchants Bancorp, Inc. (Ohio) stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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