OTC · Banks - Regional

Farmers and Merchants Bancshares, Inc. (FMFG) Stock

$19.01 +0.00% OTC: FMFG Financial Services

Farmers and Merchants Bancshares, Inc. operates as the bank holding company for Farmers and Merchants Bank that provides commercial and retail banking services to individuals and businesses in Maryland.

Valuation

MetricValue
Price$19.01
Market Cap$61.51M
P/E Ratio17.77
P/B Ratio0.89
P/S Ratio1.33
EPS (TTM)$1.07
52-Week High$21.00
52-Week Low$15.75
Dividend Yield3.79%

Financials & Margins

MetricValue
ROE10.90%
ROA0.81%
ROCE0.51%
Gross Margin60.52%
Operating Margin9.51%
Net Margin15.35%
Debt/Equity1.10
Current Ratio36.37

Annual Financials (USD)

Metric20212022202320242025
Revenue$27.0M$28.0M$32.0M$39.0M$44.0M
Operating Profit$11.0M$11.0M$8.0M$6.0M$7.0M
Net Profit$8.0M$8.0M$6.0M$4.0M$6.0M
EPS$2.70$2.66$2.08$1.37$1.81
Op Margin38.5%37.6%26.0%14.0%16.7%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$717.0M$718.0M$800.0M$845.0M$872.0M
Total Liabilities$660.0M$670.0M$748.0M$788.0M$807.0M
Cash$26.0M$7.0M$45.0M$64.0M$46.0M
Borrowings$29.0M$40.0M$59.0M$25.0M$79.0M

Latest News

FARMERS AND MERCHANTS BANCSHARES, INC. INCREASES ITS CASH DIVIDEND BY 5.9% TO $0.36 PER SHARE GlobeNewswire · May 19, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$12.0M$7.0M$6.0M$2.0M$7.0M
Investing Cash Flow$-59.0M$-36.0M$-43.0M$-25.0M$-42.0M
Financing Cash Flow$53.0M$-3.0M$59.0M$77.0M$-38.0M
Net Cash Flow$-15.0M$-19.0M$37.0M$20.0M$-18.0M
Free Cash Flow$11.0M$7.0M$5.0M$1.0M$6.0M

Valuation & Return Ratios

MetricValue
PEG Ratio-0.79
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y19.85%
Return 3Y-12.03%
Return 5Y—

Ownership

Insiders Held19.83%
Institutions Held2.11%
Institutions Float Held2.63%
Institutional HolderSharesReport Date
Siena Capital Partners GP, LLC68,9062026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
CCBCChino Commercial Bancorp $17.70 -0.28% 9.27 $56.85M 0.00%
EQFNEquitable Financial Corp. $18.25 -0.82% 11.48 $60.55M 0.00%
FBVIFCN Banc Corp. $37.05 +0.14% 8.22 $63.81M 3.89%
FRSBFirst Resource Bancorp Inc. $25.76 +0.35% 7.88 $79.49M 0.54%
HBSIHighlands Bankshares, Inc. $48.00 +0.52% 10.06 $64.18M 4.00%

About Farmers and Merchants Bancshares, Inc.

Farmers and Merchants Bancshares, Inc. operates as the bank holding company for Farmers and Merchants Bank that provides commercial and retail banking services to individuals and businesses in Maryland. It offers checking, savings, money market, individual retirement, and sweep accounts, as well as certificates of deposit, remote check deposits, and repurchase agreements. The company also provides credit for residential mortgages, including federal housing administration and veterans affairs loans; construction loans; home equity lines; personal installment loans; and other consumer financing, as well as finances commerce and industry by providing credit and deposit services for small to medium size businesses and the agricultural community. In addition, it offers commercial lending, which includes commercial mortgages, land acquisition and development loans, lines of credit, accounts receivable financing, and term loans for fixed asset purchases, as well as loans guaranteed by the Small Business Administration and the United States Department of Agriculture. Further, the company provides automated teller machine, internet, automated telephone services, online and mobile banking products, and other electronic banking services, as well as debit and credit cards. It operates through branches located in Hampstead, Greenmount, Reisterstown, Owings Mills, Eldersburg, and Westminster, Maryland. Farmers and Merchants Bancshares, Inc. was founded in 1919 and is headquartered in Hampstead, Maryland.

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

Farmers and Merchants Bancshares, Inc. (FMFG) stock trades at $19.01 with a market capitalization of $61.51M. The stock is valued at a price-to-earnings (P/E) ratio of 17.77, price-to-book of 0.89, price-to-sales of 1.33. Over the past 52 weeks the stock has ranged between $15.75 and $21.00, and currently trades 9.5% below its 52-week high. It pays a dividend yielding 3.79%.

On profitability, Farmers and Merchants Bancshares, Inc. generates a return on equity (ROE) of 10.90%, return on capital employed of 0.51%, an operating margin of 9.51%, a net profit margin of 15.35%.

Official website: www.fmb1919.com

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