FMAO logo

FARMERS & MERCHANTS BANCO/OH

FMAONASDAQ
πŸ† #3011 by market capUS Equity
$131.88β–² $3.94 (+2.99%)
Simulated price
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🏦Market Cap
$481M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+7.1%
Slowing
πŸ“ŠGross Margin
64.9%
High
πŸ’΅FCF Margin
22.1%
Strong
βš–οΈP/S Ratio
2.5x
Cheap
Otter Score
80
Good
No chart data available for FMAO.

Trading Snapshot

Day Range
$130.11 – $134.33
52-Week Range
$22.77 – $36.12
Volume
$4.20B
Avg Volume
$4.46B
Shares Outstanding
13.8M
Next Earnings
Nov 26, 2026

Fundamentals Snapshot

Annual Revenue
$189M
Last Q Revenue
$51M
P/E Ratio
12.0
P/S Ratio
2.5x
EPS (TTM)
$2.91
Dividend Yield
2.62%
Dilution (1yr)
+0.7%

Why Investors Own FMAO

  • βœ“High-growth profile β€” revenue up +55.0% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 27% gross margin and 15% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

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
Good
80/100

Analyst Price Target

β“˜
Average Target
$146.39
β–² +11.0% Upside
High Target$160.91
Low Target$119.33
Based on 33 analysts

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