NASDAQ · Banks - Regional

FMAO (FMAO) Stock

$34.44 +10.38% NASDAQ: FMAO Financial Services

Valuation

MetricValue
Price$34.44
Market Cap$474.18M
P/E Ratio7.72
P/B Ratio0.98
P/S Ratio1.95
EPS (TTM)$3.41
52-Week High$34.44
52-Week Low$22.77
Dividend Yield3.35%

Financials & Margins

MetricValue
ROE8.89%
ROA0.96%
ROCE11.62%
Gross Margin22.22%
Operating Margin22.75%
Net Margin18.78%
Debt/Equity0.71
Current Ratio0.11

Annual Financials (USD)

Metric20212022202320242025
Revenue$92.0M$114.0M$152.0M$177.0M$189.0M
Operating Profit$29.0M$40.0M$28.0M$33.0M$43.0M
Net Profit$23.0M$33.0M$23.0M$26.0M$33.0M
EPS$2.01$2.46$1.67$1.90$3.41
Op Margin32.0%35.6%18.6%18.4%22.5%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.6B$3.0B$3.3B$3.4B$3.4B
Total Liabilities$2.3B$2.7B$3.0B$3.0B$3.1B
Cash$146.0M$88.0M$144.0M$177.0M$99.0M
Borrowings$128.0M$226.0M$329.0M$308.0M$300.0M

Latest News

Farmers & Merchants Bancorp Insider Sold Shares Worth $273,390, According to a Recent SEC Filing MT Newswires · Jul 1, 2026 Farmers & Merchants Bancorp, Inc. Declares 2026 Second-Quarter Cash Dividend GlobeNewswire · Jun 30, 2026 F&M Bank Announces Executive Leadership Appointments to Support Continued Growth and Strategic Execution GlobeNewswire · Jun 25, 2026 Farmers & Merchants Bancorp Insider Sold Shares Worth $345,810, According to a Recent SEC Filing MT Newswires · Jun 24, 2026 Farmers & Merchants Bancorp Insider Sold Shares Worth $257,460, According to a Recent SEC Filing MT Newswires · Jun 17, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$35.0M$41.0M$22.0M$32.0M$36.0M
Investing Cash Flow$-268.0M$-393.0M$-205.0M$-46.0M$-140.0M
Financing Cash Flow$169.0M$190.0M$113.0M$78.0M$44.0M
Net Cash Flow$5.0M$-96.0M$58.0M$34.0M$-79.0M
Free Cash Flow$33.0M$38.0M$11.0M$31.0M$35.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y17.51%
Return 3Y40.15%
Return 5Y63.65%

Ownership

Insiders Held3.40%
Institutions Held33.73%
Institutions Float Held34.91%
Institutional HolderSharesReport Date
Blackrock Inc.923,3272026-03-31
Vanguard Capital Management LLC534,7382026-03-31
Goelzer Investment Management, Inc.328,6042026-03-31
Geode Capital Management, LLC309,2072026-03-31
Manufacturers Life Insurance Co.290,6202026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BCML $30.75 +0.59% 14.22 $335.46M 3.39%
BWFG $63.58 +2.20% 11.52 $506.93M 1.54%
FSBW $43.06 -0.49% 9.50 $319.27M 3.43%
MVBF $29.14 +0.14% 12.54 $374.45M 2.67%
OBT $37.68 -0.03% 10.11 $505.21M 1.82%

About FMAO

FMAO is led by CEO Lars Eller, employs 482 people, headquartered in US, publicly traded since 2006.

FMAO stock trades at $34.44 with a market capitalization of $474.18M. The stock is valued at a price-to-earnings (P/E) ratio of 7.72, price-to-book of 0.98, price-to-sales of 1.95. Over the past 52 weeks the stock has ranged between $22.77 and $34.44, and currently trades at its 52-week high. It pays a dividend yielding 3.35%.

On profitability, FMAO generates a return on equity (ROE) of 8.89%, return on capital employed of 11.62%, an operating margin of 22.75%, a net profit margin of 18.78%.

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