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Company Analysis

Farmers & Merchants Bancorp, In FMAO

A comprehensive view of key metrics, scores, and financial health for Farmers & Merchants Bancorp, In

Overview of Farmers & Merchants Bancorp, Inc.

FMAO NCM
Financial Services Banks - Regional Framework: Banks & Lenders Small Cap
Farmers & Merchants Bancorp, Inc. (FMAO), is a Small Cap company, in the Banks - Regional industry, last closed at $28.80, about 5.4% overvalued vs fair value, +20.9% 1Y return, ranked 461/1037 in sector.
Metrics Rev Growth 91.2% ROE 9.4% Gross Margin 62.3%
USD 28.80
1.55%
(Delayed)
• Vol 90d: 31.3%
52-Week Range
Market Cap
$392.80M
Enterprise Value
$595.58M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 90%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.fm.bank
HQ Archbold, OH
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$15
$27
$51
Current: $28.80 -5% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$162.2M
16.8%%
Interest Expense
$69.3M
Net Interest Income
$84.6M
5%%
Total Revenue
$189.1M
91.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.6%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$12.6M
49.5% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Farmers & Merchants Bancorp, In's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
50
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
58
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing FMAO's balance between Growth (34.1%), Profitability (27.1%), and Safety (38.8%). Growth 34% Safety 39% Profitability 27%

Click axes to expand details. Marker shows current allocation.

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Growth

50th percentile vs peers
50
Key Signals
NII Growth YoY 5.0% 61p EPS Growth YoY 13.5% 63p Asset Growth YoY 2.1% 33p Equity Growth YoY 5.9% 47p
Strengths
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

40th percentile vs peers
40
Key Signals
Strengths
Risks
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Safety

57th percentile vs peers
57
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Farmers & Merchants Bancorp, In.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$27.24
- - -
-5.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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