F

    Farmers & Merchants Bancorp Inc (FMAO)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $33.95
    -0.30 (-0.88%)

    Market Cap: $471.73M

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    75%(30/40)
    Avg Surprise
    +7.89%
    Streak
    11 Q

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$0.80
    Range$0.80 - $0.81
    3 analysts
    EPS Revisions
    3
    0
    7d
    3
    0
    30d
    EPS Estimate Drift
    90d ago$0.71-11.2%
    60d ago$0.71-11.2%
    30d ago$0.71-11.2%
    7d ago$0.80-0.4%
    Current$0.80
    Revenue Consensus
    $29M
    Range$29M - $29M
    3 analysts
    Dec 31, 2026
    EPS Consensus$1.02
    Range$1.00 - $1.03
    3 analysts
    Revenue Consensus
    $28M
    Range$28M - $28M
    3 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.02---
    Sep 26EST
    		-$0.80---
    Jun 26
    		$0.86$0.67+28.36%Beat+53.6%
    Mar 26
    		$0.72$0.68+5.88%Beat+41.2%
    Dec 25
    		$0.71$0.66+7.58%Beat+16.4%
    Sep 25
    		$0.64$0.59+8.47%Beat+33.3%
    Jun 25
    		$0.56$0.50+12.00%Beat+33.3%
    Mar 25
    		$0.51$0.42+20.00%Beat+30.8%
    Dec 24
    		$0.61$0.48+27.08%Beat+48.8%
    Sep 24
    		$0.48$0.41+17.07%Beat+37.1%
    Jun 24
    		$0.42$0.36+16.67%Beat-6.7%
    Mar 24
    		$0.39$0.35+11.43%Beat-18.7%
    Dec 23
    		$0.41$0.32+28.13%Beat-22.6%
    Sep 23
    		$0.35$0.37-5.41%Miss-48.5%
    Jun 23
    		$0.45$0.45+0.00%Beat-28.6%
    Mar 23
    		$0.48$0.54-11.11%Miss-22.6%
    Dec 22
    		$0.53$0.67-20.90%Miss-19.7%
    Sep 22
    		$0.68$0.72-5.56%Miss+7.9%
    Jun 22
    		$0.63$0.62+1.61%Beat+18.9%
    Mar 22
    		$0.62$0.56+10.71%Beat+40.9%
    Dec 21
    		$0.66$0.56+17.86%Beat+37.5%
    Sep 21
    		$0.63$0.53+18.87%Beat+57.5%
    Jun 21
    		$0.53$0.45+17.78%Beat+23.3%
    Mar 21
    		$0.44$0.45-2.22%Miss+18.9%
    Dec 20
    		$0.48$0.39+23.08%Beat+6.7%
    Sep 20
    		$0.40$0.42-4.76%Miss+5.3%
    Jun 20
    		$0.43$0.33+30.30%Beat+2.4%
    Mar 20
    		$0.37$0.37+0.00%Beat-2.6%
    Dec 19
    		$0.45$0.40+12.50%Beat+9.8%
    Sep 19
    		$0.38$0.41-7.32%Miss-9.5%
    Jun 19
    		$0.42$0.45-6.67%Miss-4.5%
    Mar 19
    		$0.38$0.46-17.39%Miss-7.3%
    Dec 18
    		$0.41$0.35+17.14%Beat+10.8%
    Sep 18
    		$0.42$0.40+5.00%Beat+20.0%
    Jun 18
    		$0.44$0.39+12.82%Beat+25.7%
    Mar 18
    		$0.41$0.38+7.89%Beat+32.3%
    Dec 17
    		$0.37$0.35+5.71%Beat+5.7%
    Sep 17
    		$0.35$0.35+0.00%Beat+6.1%
    Jun 17
    		$0.35$0.32+9.38%Beat-
    Mar 17
    		$0.31$0.32-3.13%Miss-
    Dec 16
    		$0.35$0.30+16.67%Beat-
    Sep 16
    		$0.33$0.30+10.00%Beat-

    Dividends

    Dividend Metrics

    Yield2.70%
    Annual/Share$0.92
    Payout Ratio31.57%
    Frequency4
    Pay MonthsJan, Apr, Jul, Oct

    Growth

    3Y CAGR+3.47%
    5Y CAGR+6.40%
    View FMAO's full dividend history

    Key Metrics

    Valuation
    P/E Ratio11.59EV/EBITDAN/A
    Price/FCF11.26xFCF Yield8.88%
    Profitability
    Profit Margin31.00%Operating Margin46.30%
    ROE10.90%ROIC6.64%
    Financial Health
    Debt/Equity0.57xInterest Coverage0.76x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.80Avg Volume75.06K
    52-Week High$35.9452-Week Low$22.20

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$33.97
    SMA 20$34.39
    SMA 50$32.26
    SMA 200$27.57
    EMA 10$34.06
    EMA 20$33.87
    EMA 50$32.41
    EMA 200$28.49

    MACD

    Line: 0.44Signal: 0.67Hist: -0.23

    ADX

    ADX: 14.7+DI: 18.0-DI: 24.1

    Aroon & PSAR

    Aroon Up8.0
    Aroon Down4.0
    PSAR$32.88

    Bollinger Bands

    Upper Band$35.54
    Lower Band$33.24
    %B Position669%(Upper)
    Band Width0.31

    RSI (14-Day)

    Neutral
    53.7

    Momentum Oscillators

    Stoch %K45.0
    Stoch %D41.9
    Williams %R-57.7
    ROC (10d)-3.1%
    Momentum-1.08
    CCI (20d)-55.2
    MFI (14d)40.1

    Volatility Measures

    ATR (14d)$1.05(3.1%)
    StdDev (20d)0.58
    Hist Vol24.5%(Moderate)

    Volume Flow

    VWAP$33.93
    OBV2.4M
    AD Line-12.5M
    CMF (20d)0.200

    Volume Metrics

    Avg Vol (20d)75.4K
    Vol Ratio0.7x
    VWMA (20d)$34.55

    Pivot Points

    R3$34.89
    R2$34.68
    R1$34.47
    Pivot Point$34.26
    S1$34.05
    S2$33.84
    S3$33.63

    Advanced Oscillators

    TSI13.96
    Ultimate Osc63.5
    KST65.24

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$34.35M$32.44M$32.45M$31.26M$29.65M$28.07M$26.83M$25.55M$25.09M$24.06M$23.73M$23.33M
    Cost of RevenueN/A$16.16M$17.36M$17.87M$18.47M$17.64M$19.25M$20.33M$20.38M$17.98M$18.80M$17.08M
    Gross ProfitN/A$31.61M$31.25M$29.95M$28.63M$26.80M$26.04M$24.83M$24.25M$23.92M$22.64M$22.01M
    Operating Expenses$19.26M$19.80M$19.05M$19.74M$19.26M$18.76M$16.08M$17.43M$17.34M$17.84M$16.39M$17.04M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$12.34M$12.83M$11.23M$9.70M$8.76M$10.53M$8.11M$7.16M$6.78M$6.88M$5.90M
    Interest Income$45.65M$43.30M$44.57M$44.48M$43.49M$41.00M$41.85M$41.90M$41.17M$38.65M$38.27M$36.36M
    Interest Expense$16.73M$15.85M$16.80M$17.58M$17.78M$17.09M$19.02M$20.31M$19.79M$18.54M$18.34M$16.70M
    Income Before Tax$14.77M$12.34M$12.83M$11.23M$9.70M$8.76M$10.53M$8.11M$7.16M$6.78M$6.88M$5.90M
    Income Tax Expense$2.97M$2.76M$3.04M$2.38M$1.99M$1.81M$2.15M$1.59M$1.48M$1.42M$1.33M$1.12M
    Net Income$11.80M$9.58M$9.79M$8.85M$7.71M$6.95M$8.38M$6.52M$5.68M$5.36M$5.54M$4.78M
    EBITDA$16.28M$14.10M$14.52M$13.30M$11.41M$10.44M$12.15M$10.15M$9.11M$8.73M$8.68M$7.77M
    EBIT$14.77M$12.34M$12.83M$11.23M$9.70M$8.76M$10.53M$8.11M$7.16M$6.78M$6.88M$5.90M
    * Some calculated fields are derived from available data when not provided by source

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    News

    F&M Bank’s 9th Annual Charity Golf Classic Raises $47,000 for Local Charities

    F&M Bank recently hosted its 9th Annual Charity Golf Classic, raising $47,000 for four local organizations. Since its inception, the event has accumulated $350,000 in charitable giving, supporting communities across F&M’s footprint. The proceeds this year were distributed to Triangular Processing, The Salvation Army, Josephine’s Place, and Sidney Alive.

    The Manila Times•8/21/26•
    Bullish

    Farmers & Merchants Bancorp director Briggs sells $189,520 in shares

    Andrew J Briggs, a director at Farmers & Merchants Bancorp (NASDAQ:FMAO), sold shares totaling $189,520 over two days in August 2026, with the stock trading near its 52-week high. Following these transactions, Briggs directly holds 49,148 shares. The article also notes F&M Bank's executive leadership changes, including Eric Faust's promotion to EVP and COO, as part of its expansion strategy.

    Investing.com•8/18/26•
    Somewhat-Bearish

    Farmers & Merchants Bancorp director Andrew Briggs sells $211,710 in FMAO stock

    Farmers & Merchants Bancorp Inc. director Andrew J. Briggs recently sold $211,710 worth of FMAO common stock through transactions on August 13 and 14, 2026, reducing his direct holdings to 54,550 shares. This insider selling activity comes amidst F&M Bank's strategic expansion, which has seen its assets grow significantly since 2018, accompanied by key executive leadership appointments, including Eric Faust as Executive Vice President and Chief Operating Officer.

    Investing.com•8/15/26•
    Somewhat-Bearish

    Farmers & Merchants Bancorp Director Andrew J. Briggs Sells 6,000 Shares in Two Transactions

    Andrew J. Briggs, a Director at Farmers & Merchants Bancorp Inc. (NASDAQ:FMAO), sold a total of 6,000 shares of company common stock in two open-market transactions on August 13 and August 14, 2026. The sales were executed under a Rule 10b5-1 plan, with 3,000 shares sold at $35.19 each and another 3,000 shares at $35.38 each. Following these transactions, Briggs directly owns 54,550 shares of FMAO.

    Kalkine Media•8/14/26•
    Somewhat-Bearish

    Farmers & Merchants Bancorp director Andrew Briggs sells $211,710 in FMAO stock

    Andrew J. Briggs, a director at Farmers & Merchants Bancorp Inc. (NASDAQ:FMAO), recently sold $211,710 worth of FMAO common stock across two transactions in August 2026. Following these sales, Briggs directly holds 54,550 shares. In related news, F&M Bank announced executive leadership changes, including Eric Faust's promotion to Executive Vice President and Chief Operating Officer, as part of its ongoing growth strategy.

    Investing.com India•8/14/26•
    Somewhat-Bearish

    Frequently Asked Questions About FMAO

    What is FMAO's current dividend yield?
    Farmers & Merchants Bancorp Inc (FMAO) has a current dividend yield of 2.70%.
    Does FMAO pay dividends?
    Yes, Farmers & Merchants Bancorp Inc pays dividends with a current yield of 2.70%.
    What is FMAO's P/E ratio?
    Farmers & Merchants Bancorp Inc has a price-to-earnings (P/E) ratio of 11.59.
    What is FMAO's market cap?
    Farmers & Merchants Bancorp Inc (FMAO) has a market capitalization of $471.73M with a current stock price of $33.95.

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