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FARMERS & MERCHANTS BANCO/OH

FMAONASDAQ
πŸ† #2858 by market capEarnings Feb 10US Equity
$37.11β–² $0.54 (+1.48%)
Market closed Β· at close
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24hβ–² 1.5%
7dβ–² 2.0%
14dβ–² 5.4%
30dβ–² 6.9%
ytdβ–² 48.9%
1yβ–² 54.6%
🏦Market Cap
$511M
Small Cap
πŸ“ˆRevenue Growth (YoY)
7.1%
Slowing
πŸ“ŠGross Margin
65.8%
High
πŸ’΅FCF Margin
23.7%
Strong
βš–οΈP/S Ratio
2.5x
Cheap
Otter Score
88
Excellent

Trading Snapshot

Day Range
$36.55 – $37.21
52-Week Range
$22.91 – $37.60
Volume (shares)
62,218
Avg Volume (shares)
β€”
Shares Outstanding
13.8M
Next Earnings
2027-02-10

Fundamentals Snapshot

Annual Revenue
$189M
Last Q Revenue
β€”
P/E Ratio
11.8
P/S Ratio
2.5x
EPS (TTM)
$3.10
Dividend Yield
2.57%
Dilution (1yr)
+0.7%
FMAO logo

FARMERS & MERCHANTS BANCO/OH

FMAO
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$189Mβ–² +7.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
62.3%β–² +11.5% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$43Mβ–² +30.6% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$35Mβ–² +13.1% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
13.8Mβ–² +0.7% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$201Mβ–Ό βˆ’$71M YoY
StockOtter Β· stockotter.space

About FARMERS & MERCHANTS BANCO/OH

Farmers & Merchants Bancorp, Inc. functions as the holding company for The Farmers & Merchants State Bank, offering a broad spectrum of commercial banking solutions. The bank serves individual customers and small businesses throughout northwest Ohio and northeast Indiana. Its offerings include various deposit accounts such as checking, savings, and time deposits, along with custodial services for Individual Retirement Accounts (IRAs) and Health Savings Accounts (HSAs). The company's lending products are extensive, covering commercial, agricultural, and residential mortgages. Specifically, it provides financing for agricultural land, farm equipment, livestock, and operational expenses like seeds and fertilizers. Consumer loans are available for home improvements, vehicles (automobiles, trucks, recreational vehicles, and motorcycles), and credit cards. Additionally, it offers commercial real estate loans, including lines of credit and machinery purchase financing. For customer convenience, Farmers & Merchants Bancorp, Inc. provides Automated Teller Machine (ATM) and Interactive Teller Machine (ITM) access. It also supports digital banking through online and mobile platforms, remote deposit capture, and merchant credit card processing. Electronic transaction services, such as wire transfers and Automated Clearing House (ACH) file transmissions, are also available. The company was founded in 1897 and is headquartered in Archbold, Ohio.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Excellent
88/100

Analyst Ratings

β“˜
Consensus
Sell
8 analysts
Strong Buy0
Buy0
Hold5
Sell1
Strong Sell2
Ratings as of Oct 2026

Latest News & Updates

GlobeNewsWireΒ·7d ago

Farmers & Merchants Bancorp, Inc. Reports 2026 Third-Quarter and Year-to-Date Financial Results

ARCHBOLD, Ohio, Oct. 22, 2026 (GLOBE NEWSWIRE) -- Farmers & Merchants Bancorp, Inc. (Nasdaq: FMAO) today reported financial results for the 2026 third quarter and year-to-date ended September 30, 2026, on a consolidated

Seeking AlphaΒ·13d ago

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Seeking AlphaΒ·22d ago

Farmers & Merchants Bancorp: Rising NIM Supports Re-Rating

Farmers & Merchants Bancorp is rated Buy, trading at a 44% discount to its recent valuation peak and a 5% discount to the sector median. FMAO's forward ROE is 3x the sector median, with 14% expected ROE growth and a 20%

24/7 Wall StreetΒ·23d ago

3 High-Yield Dividends Paying Soon. But Your Deadline to Buy Is Days Away

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Defense WorldΒ·25d ago

Farmers & Merchants Bancorp Inc. $FMAO Shares Newly Purchased by Bank of America Corp DE

Bank of America Corp DE purchased a new stake in Farmers and Merchants Bancorp Inc. (NASDAQ: FMAO) during the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Com

Seeking AlphaΒ·27d ago

Dividend Champion, Contender, And Challenger Highlights: Week October 4

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