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Ticker
FMAO

Price
21.65
Stock movement down
-0.26 (-1.19%)
Company name
Farmers & Merchants Bancorp Inc
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
296.59M
Ent value
3.10B
Price/Sales
1.70
Price/Book
0.88
Div yield
4.09%
Div growth
8.70%
Growth years
16
FCF payout
31.58%
Trailing P/E
12.84
Forward P/E
11.56
PEG
-
EPS growth
0.96%
1 year return
7.66%
3 year return
-15.72%
5 year return
-1.98%
10 year return
7.15%
Last updated: 2025-04-11

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DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share0.89
Dividend yield4.09%
Payout frequencyQuarterly
Maximum yield4.95%
Average yield3.24%
Minimum yield1.82%
Discount to avg yield20.75%
Upside potential26.18%
Yield as % of max yield82.63%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield4.09%
Current yield distribution11.90%
Yield at 100% (Min)1.82%
Yield at 90%2.38%
Yield at 80%2.75%
Yield at 50% (Median)3.16%
Yield at 20%3.79%
Yield at 10%4.16%
Yield at 0% (Max)4.95%

Dividend per share

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Dividend per share data
Years of growth16 years
CCC statusDividend Contender
Dividend per share0.89
Payout frequencyQuarterly
Ex-div date4 Apr 2025
EPS (TTM)1.71
EPS (1y forward)1.87
EPS growth (5y)0.96%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
FMAOS&P500
DGR MR0.11%-13.74%
DGR TTM3.79%6.60%
DGR 3 years8.80%5.24%
DGR 5 years8.70%5.40%
DGR 10 years7.70%7.07%
DGR 15 years4.81%6.12%
Time since last change announced21 days
EPS growth (5y)0.96%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM50.92%31.58%
Average38.85%33.82%
Forward47.26%-

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E12.84
Price to OCF7.28
Price to FCF7.96
Price to EBITDA9.82
EV to EBITDA102.71

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales1.70
Price to Book0.88
EV to Sales17.76

FINANCIALS

Per share

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Per share data
Current share count13.70M
EPS (TTM)1.71
FCF per share (TTM)2.76

Income statement

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Income statement data
Revenue (TTM)174.70M
Gross profit (TTM)170.41M
Operating income (TTM)5.27M
Net income (TTM)23.10M
EPS (TTM)1.71
EPS (1y forward)1.87

Margins

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Margins data
Gross margin (TTM)97.54%
Operating margin (TTM)3.02%
Profit margin (TTM)13.22%

Balance Sheet

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Balance Sheet data
Cash247.30M
Net receivables0.00
Total current assets649.45M
Goodwill86.36M
Intangible assets5.64M
Property, plant and equipment33.81M
Total assets3.39B
Accounts payable0.00
Short/Current long term debt297.87M
Total current liabilities1.35B
Total liabilities3.05B
Shareholder's equity335.38M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)40.75M
Capital expenditures (TTM)3.50M
Free cash flow (TTM)37.25M
Dividends paid (TTM)11.76M

Financial returns

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Financial returns data
Return on Equity6.89%
Return on Assets0.68%
Return on Invested Capital3.50%
Cash Return on Invested Capital5.64%

STOCK INFORMATION

Stock chart

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Stock price data
Open21.91
Daily high22.36
Daily low21.46
Daily Volume16K
All-time high48.40
1y analyst estimate31.13
Beta0.64
EPS (TTM)1.71
Dividend per share0.89
Ex-div date4 Apr 2025
Next earnings date15 Apr 2025

Downside potential

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Downside potential data
FMAOS&P500
Current price drop from All-time high-55.27%-12.89%
Highest price drop-64.92%-56.47%
Date of highest drop30 Oct 20239 Mar 2009
Avg drop from high-31.70%-11.07%
Avg time to new high45 days12 days
Max time to new high1711 days1805 days

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COMPANY DETAILS
FMAO (Farmers & Merchants Bancorp Inc) company logo
Marketcap
296.59M
Marketcap category
Small-cap
Description
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 and Northeast Indiana. The company offers checking, savings, and time deposit accounts; certificates of deposit; and custodial services for individual retirement and health savings accounts. It also provides commercial, agricultural, and residential mortgage, as well as consumer lending products; loans for farmland, farm equipment, and livestock; operating loans for seeds, fertilizers, and feeds; home improvement loans; and loans for autos, trucks, recreational vehicles, and motorcycles. In addition, the company offers commercial real estate loans, such as lines of credit and machinery purchase loans. Further, it provides automated teller machine or interactive teller machine services; and online and mobile banking, bill-pay, on-line statement opportunities, and remote deposit capture or electronic deposit processing. Additionally, the company offers electronic transaction origination, such as wire and automated clearing house file transmittal services. Farmers & Merchants Bancorp, Inc. was founded in 1897 and is headquartered in Archbold, Ohio.
Employees
446
Investor relations
SEC filings
CEO
Country
USA
City
Stock type
Common stock
CCC status
Dividend Contender
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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