What is Farmers & Merchants Bancshares, Inc. (FMBN) stock price today?

Farmers & Merchants Bancshares, Inc. (FMBN) is currently trading at $37.00, up 0% today.

What is FMBN P/E ratio?

Farmers & Merchants Bancshares, Inc.'s P/E ratio is 9.18. This is below the market average, suggesting the stock may be undervalued relative to earnings.

What is FMBN return on equity (ROE)?

Farmers & Merchants Bancshares, Inc.'s return on equity (ROE) is 9.90%, indicating how efficiently the company generates profit from shareholders' equity. This is below the typical market average of 12-15%.

What is Farmers & Merchants Bancshares, Inc.'s market cap?

Farmers & Merchants Bancshares, Inc. has a market capitalization of $122.09M.

OTC · Banks - Regional

Farmers & Merchants Bancshares, Inc. (FMBN) Stock

$37.00 +0.00% OTC: FMBN Financial Services

Valuation

Metric	Value
Price	$37.00
Market Cap	$122.09M
P/E Ratio	9.18
P/B Ratio	0.77
P/S Ratio	10.21
EPS (TTM)	$4.03
52-Week High	$44.00
52-Week Low	$26.00
Dividend Yield	2.70%

Financials & Margins

Metric	Value
ROE	9.90%
ROA	0.53%
ROCE	0.71%
Gross Margin	81.43%
Operating Margin	11.79%
Net Margin	9.37%
Debt/Equity	1.32
Current Ratio	0.49

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
Revenue	$10.0M	$10.0M	$11.0M	$9.0M	$12.0M
Operating Profit	$1.0M	$1.0M	$0	$1.0M	$1.0M
Net Profit	$1.0M	$1.0M	$0	$1.0M	$1.0M
EPS	$3.24	$2.96	$-0.30	$2.69	$4.03
Op Margin	10.3%	9.7%	-1.7%	9.8%	11.8%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
Total Assets	$251.0M	$256.0M	$234.0M	$217.0M	$213.0M
Total Liabilities	$236.0M	$250.0M	$226.0M	$207.0M	$200.0M
Cash	$14.0M	$14.0M	$5.0M	$4.0M	$5.0M
Borrowings	$4.0M	$4.0M	$17.0M	$22.0M	$18.0M

Cash Flow (USD)

Metric	2021	2022	2023	2024	2025
Operating Cash Flow	$2.0M	$1.0M	$1.0M	$1.0M	$2.0M
Investing Cash Flow	$-32.0M	$-15.0M	$14.0M	$17.0M	$6.0M
Financing Cash Flow	$22.0M	$13.0M	$-36.0M	$-23.0M	$-3.0M
Net Cash Flow	$-8.0M	$0	$-9.0M	$-1.0M	$1.0M
Free Cash Flow	$2.0M	$1.0M	$0	$1.0M	$2.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	-1.02
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	46.27%
Return 3Y	125.12%
Return 5Y	—

Ownership

Insiders Held202.85%

Institutions Held0.00%

Institutions Float Held0.00%

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
CBCYCentral Bancompany, Inc.	$23.12	-0.17%	27.24	$5.10B	2.08%
CNBBCNB Community Bancorp, Inc.	$50.84	+0.02%	8.25	$102.67M	2.68%
CNBWCNB Corp.	$96.00	+0.00%	131.51	$159.46M	4.43%
CYVFCrystal Valley Financial Corporation	$79.51	+0.00%	9.18	$100.55M	2.62%
FMBMF & M Bank Corp.	$39.89	+0.00%	11.84	$141.97M	2.61%

About Farmers & Merchants Bancshares, Inc.

Farmers & Merchants Bancshares, Inc., headquartered in Burlington, Iowa, functions as the holding company for Farmers & Merchants Bank & Trust. This financial institution delivers a broad spectrum of services to customers in Iowa's Des Moines and Louisa Counties. Its core banking services include various checking, savings, and youth accounts, coupled with an extensive range of loan products. These loans cater to diverse needs, covering personal, residential (mortgage, home equity), vehicle (auto, boat, RV), business (construction, operating, real estate), and agricultural financing (farm real estate, machinery, livestock, short-term). The bank also issues debit and credit cards and offers lines of credit. Beyond traditional banking, the company provides wealth management expertise, encompassing trust services, investment management, brokerage, financial planning, and retirement rollover assistance. Additional conveniences include merchant services, mobile and online banking with bill payment and remote deposit capture, telephone banking, payroll, notary, automated clearing house (ACH) services, and safe deposit box rentals. The company traces its origins back to its founding in 1916.

Farmers & Merchants Bancshares, Inc. is headquartered in US.

Farmers & Merchants Bancshares, Inc. (FMBN) stock trades at $37.00 with a market capitalization of $122.09M. The stock is valued at a price-to-earnings (P/E) ratio of 9.18, price-to-book of 0.77, price-to-sales of 10.21. Over the past 52 weeks the stock has ranged between $26.00 and $44.00, and currently trades 15.9% below its 52-week high. It pays a dividend yielding 2.70%.

On profitability, Farmers & Merchants Bancshares, Inc. generates a return on equity (ROE) of 9.90%, return on capital employed of 0.71%, an operating margin of 11.79%, a net profit margin of 9.37%.

Official website: www.fmbanktrust.bank