FMAO — FARMERS & MERCHANTS BANCORP INC

Nasdaq · Financials · Thrifts & Mortgage Finance · CIK 792966 ·
Last close
$27.78
Market Cap
$382.48M
52W High
$29.29
52W Low
$23.49
ADV30
85,552
Next earnings
Farmers & Merchants Bancorp, Inc. operates as the bank holding company for The Farmers & Merchants State Bank that provides commercial banking services to individuals and small businesses in Northwest Ohio, Northeast Indiana, and Southeast Michigan. The company offers checking, savings, and time deposit accounts; certificates of deposit; and custodial services for individual retirement and health savings accounts. It also provides commercial, agricultural, and residential mortgage, as well as consumer lending products; loans for farmland, farm equipment, and livestock; operating loans for seeds, fertilizers, and feeds; home improvement loans; and loans for autos, trucks, recreational vehicles, and motorcycles. In addition, the company offers commercial real estate loans, such as lines of credit and machinery purchase loans. Further, it provides automated teller machine or interactive teller machine services; and online and mobile banking, bill-pay, on-line statement opportunities, and remote deposit capture or electronic deposit processing. Additionally, the company offers electronic transaction origination, such as wire and automated clearing house file transmittal services. Farmers & Merchants Bancorp, Inc. was founded in 1897 and is headquartered in Archbold, Ohio.

Quarterly Fundamentals

Revenues vs Net Income (last 4 Q)

Assets vs Liabilities (last 4 Q)

PeriodRevenuesGrossProfit OpIncomeNetIncomeAssets CashLiabilities
Mar 2026 31,559,000 9,578,000 3,485,569,000 174,100,000 3,109,621,000
Dec 2025 31,484,000 9,793,000 3,434,382,000 98,747,000 3,063,520,000
Sep 2025 30,231,000 8,854,000 3,390,752,000 117,946,000 3,028,972,000
Jun 2025 29,318,000 7,710,000 3,345,763,000 89,588,000 2,994,971,000

Cashflow TTM (yfinance, fills SEC gap)

Operating CF
$33,381,000
Investing CF
$-90,719,000
Financing CF
$57,771,000
CapEx
$-2,044,000
Dividends Paid
$-12,214,000
Buybacks
$-396,000
EPS Diluted TTM
$2.61
As of
2026-05-10

Balance + Analyst (yfinance extras)

Retained Earnings
$264,607,000
Inventory
Receivables
ST Investments
$183,123,000
EBIT TTM
Pretax Income TTM
$46,100,000
Interest Exp TTM
$68,013,000
Analysts
3

Yahoo Snapshot (yfinance, live)

Total Revenue
$123,940,000
EBITDA
Free Cash Flow
Enterprise Value
$469,574,976
Total Cash
$174,723,008
Total Debt
$269,656,992
Shares Out
13,768,188
Trailing EPS
$2.62
Book Value
$27.64
ROE
10.0%
ROA
1.0%
Div Yield
3.30%

Annual Trend (SEC EDGAR, last 4y)

Revenues vs Net Income (last 4y)

FY endRevenuesOpIncome NetIncomeAssetsLiabilities EquityOCF
Dec 2025 117,624,000 33,309,000 3,434,382,000 3,063,520,000 36,739,000
Dec 2024 98,903,000 25,938,000 3,364,723,000 3,029,512,000 32,474,000
Dec 2023 93,636,000 22,787,000 3,283,229,000 2,966,686,000 22,146,000
Dec 2022 99,296,000 32,515,000 3,015,351,000 2,717,211,000 40,669,000

TTM Snapshot

Revenues TTM
NetIncome TTM
OpCashFlow TTM
Assets (Latest)
Forward EPS
$3.01

Peers — same industry

TickerNameMarket CapLastDaily %
PBFS Pioneer Bancorp, Inc./MD $363.05M $14.87
AVBC Avidia Bancorp, Inc. $353.95M $19.06
GCBC GREENE COUNTY BANCORP INC $429.89M $25.25
WSBF Waterstone Financial, Inc. $335.07M $18.56
NECB NorthEast Community Bancorp, Inc./MD/ $335.02M $24.25

News headlines (Yahoo Finance, 1h cache)

Farmers & Merchants Bancorp Tops 2025 Profit Record, Shareholders Approve Directors and Say-on-Pay
2026-04-25 04:02 · Yahoo
Farmers & Merchants Bancorp, Inc. Reports 2026 First-Quarter Financial Results
2026-04-22 20:30 · Yahoo
F&M Bank Announces Appointment of Shalini Singhal to Chief Information and Technology Officer
2026-04-21 19:18 · Yahoo
Do Options Traders Know Something About Farmers & Merchants Bancorp Stock We Don't?
2026-04-09 13:35 · Yahoo
Farmers & Merchants Bancorp, Inc. Declares 2026 First-Quarter Cash Dividend
2026-03-24 20:30 · Yahoo
Farmers & Merchants Bancorp, Inc. Reports 2025 Fourth-Quarter and Full-Year Financial Results
2026-02-12 21:30 · Yahoo
Mike Schnitkey Promoted to Market President for Northwest Ohio at F&M Bank
2025-12-17 17:36 · Yahoo
Farmers & Merchants Bancorp, Inc. Declares 2025 Fourth-Quarter Cash Dividend
2025-12-16 22:01 · Yahoo
Best Value Stocks to Buy for Nov.14
2025-11-14 09:06 · Yahoo
Best Income Stocks to Buy for Nov. 12
2025-11-12 10:00 · Yahoo

Recent Insider Activity

No insider activity indexed for this ticker.