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Farmers & Merchants Bancorp, Inc.(FMAO)Earnings, Financials & Key Ratios
FMAO•NASDAQ•Banking & Credit
8.5× P/E·Price updated Jun 19, 2026
AboutFarmers & 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 and northeast Indiana. 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 and credit card 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, remote deposit capture or electronic deposit processing, and merchant credit card services. It also 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.Show more
- Net Interest Income$104M+23.3%
- Total Revenue$189M+7.1%
- Net Income$33M+28.4%
- Return on Equity9.44%+18.5%
- Net Interest Margin3.04%+20.8%
- Efficiency Ratio39.78%+6.3%
- ROA0.98%+25.6%
- Equity / Assets10.8%+8.4%
- Book Value per Share27.13+8.6%
FMAO Key Insights
Farmers & Merchants Bancorp, Inc. (FMAO) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 8/9
- ✓Efficient operations: 39.8% efficiency ratio
- ✓24 consecutive years of dividend growth
- ✓Well capitalized: 10.8% equity/assets
- ✓Healthy dividend yield of 3.1%
- ✓Trading near 52-week high
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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FMAO Price & Volume
Farmers & Merchants Bancorp, Inc. (FMAO) stock price & volume — 10-year historical chart
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FMAO Growth Metrics
Farmers & Merchants Bancorp, Inc. (FMAO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years15.59%
5 Years17.27%
3 Years18.49%
TTM-
Profit CAGR
10 Years12.41%
5 Years10.64%
3 Years0.81%
TTM28.42%
EPS CAGR
10 Years11.78%
5 Years13.63%
3 Years11.5%
TTM27.37%
Return on Capital
10 Years8.97%
5 Years6.08%
3 Years4.06%
Last Year2.1%
FMAO Recent Earnings
Farmers & Merchants Bancorp, Inc. (FMAO) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 11/12 qtrs (92%)
Q2 2026Latest
Apr 22, 2026Metric
Actual
Est
EPS
$0.70+2.9%
$0.68
Rev
$32M-0.5%
$33M
Q1 2026
Feb 12, 2026Metric
Actual
Est
EPS
$0.71+8.4%
$0.66
Rev
$32M+3.2%
$31M
Q4 2025
Oct 27, 2025Metric
Actual
Est
EPS
$0.64+8.5%
$0.59
Rev
$30M+10.7%
$27M
Q3 2025
Jul 28, 2025Metric
Actual
Est
EPS
$0.56+9.8%
$0.51
Rev
$29M+11.3%
$26M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.70vs $0.68+2.9% | $32Mvs $33M-0.5% |
| Q1 2026 | Feb 12, 2026 | $0.71vs $0.66+8.4% | $32Mvs $31M+3.2% |
| Q4 2025 | Oct 27, 2025 | $0.64vs $0.59+8.5% | $30Mvs $27M+10.7% |
| Q3 2025 | Jul 28, 2025 | $0.56vs $0.51+9.8% | $29Mvs $26M+11.3% |
Based on last 12 quarters of dataView full earnings history →
FMAO Peer Comparison
Farmers & Merchants Bancorp, Inc. (FMAO) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 205.47M | 21.34 | 14.62 | -9.41% | 16.01% | 7.81% | 0.28 | |
 MVBF | 354.9M | 27.63 | 13.41 | 18.96% | 13.74% | 8.46% | 0.23 | |
 HFWA | 949.21M | 27.92 | 14.24 | 5.92% | 20.1% | 7.51% | 0.05 | |
 OVBC | 226.65M | 48.11 | 14.53 | 5.93% | 16.56% | 9.58% | 0.32 | |
 FXNC | 265.44M | 29.36 | 14.98 | 27.11% | 15.35% | 9.98% | 0.23 | |
 CFFI | 255.12M | 78.36 | 9.45 | 11.78% | 14.6% | 10.82% | 0.44 | |
 FFIN | 4.7B | 32.78 | 18.52 | 11.71% | 30.71% | 14.16% | 0.01 | |
 FBIZ | 503.41M | 60.34 | 9.96 | 6.43% | 18.74% | 14.12% | 0.70 |
Compare FMAO vs Peers
Farmers & Merchants Bancorp, Inc. (FMAO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FMAO Income Statement
Farmers & Merchants Bancorp, Inc. (FMAO) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 35.93M | 39.64M | 53.25M | 59.63M | 69.32M | 86.47M | 80.52M | 84.55M | 104.29M |
NII Growth % | 7.73% | 10.3% | 34.35% | 11.98% | 16.25% | 24.73% | -6.89% | 5.01% | 23.35% |
Net Interest Margin % | 3.25% | 3.55% | 3.31% | 3.12% | 2.63% | 2.87% | 2.45% | 2.51% | 3.04% |
Interest Income | 41.06M | 46.21M | 68.01M | 70.03M | 76.67M | 100.83M | 138.93M | 162.21M | 173.54M |
Interest Expense | 5.13M | 6.57M | 14.76M | 10.39M | 7.34M | 14.36M | 58.41M | 77.66M | 69.25M |
Loan Loss Provision | 222K | 324K | 1.14M | 6.98M | 3.44M | 4.6M | 1.74M | 273K | 2.09M |
Non-Interest Income | 9.72M | 9.7M | 10.32M | 15.23M | 15.5M | 12.83M | 13.12M | 14.35M | 15.55M |
Non-Interest Income % | 19.14% | 17.35% | 13.17% | 17.87% | 16.82% | 11.29% | 8.63% | 8.13% | 8.22% |
Total Revenue | 50.78M▲ 0% | 55.91M▲ 10.1% | 78.33M▲ 40.1% | 85.26M▲ 8.8% | 92.17M▲ 8.1% | 113.66M▲ 23.3% | 152.05M▲ 33.8% | 176.56M▲ 16.1% | 189.09M▲ 7.1% |
Revenue Growth % | 6.23% | 10.09% | 40.1% | 8.85% | 8.1% | 23.31% | 33.78% | 16.12% | 7.1% |
Non-Interest Expense | 27.53M | 30.76M | 39.67M | 42.68M | 51.89M | 54.22M | 63.54M | 66.06M | 75.23M |
Efficiency Ratio | 54.21% | 55.02% | 50.65% | 50.06% | 56.29% | 47.71% | 41.79% | 37.41% | 39.78% |
Operating Income | 17.9M▲ 0% | 18.25M▲ 1.9% | 22.76M▲ 24.7% | 25.21M▲ 10.7% | 29.5M▲ 17.0% | 40.48M▲ 37.2% | 28.35M▼ 29.9% | 32.57M▲ 14.9% | 42.52M▲ 30.6% |
Operating Margin % | 35.25% | 32.64% | 29.06% | 29.56% | 32% | 35.61% | 18.65% | 18.45% | 22.49% |
Operating Income Growth % | 9.7% | 1.94% | 24.72% | 10.74% | 17.02% | 37.22% | -29.95% | 14.88% | 30.55% |
Pretax Income | 17.9M▲ 0% | 18.25M▲ 1.9% | 22.76M▲ 24.7% | 25.21M▲ 10.7% | 29.5M▲ 17.0% | 40.48M▲ 37.2% | 28.35M▼ 29.9% | 32.57M▲ 14.9% | 42.52M▲ 30.6% |
Pretax Margin % | 35.25% | 32.64% | 29.06% | 29.56% | 32% | 35.61% | 18.65% | 18.45% | 22.49% |
Income Tax | 5.18M | 3.3M | 4.36M | 5.11M | 6M | 7.96M | 5.57M | 6.63M | 9.22M |
Effective Tax Rate % | 28.95% | 18.09% | 19.15% | 20.28% | 20.35% | 19.67% | 19.63% | 20.37% | 21.67% |
Net Income | 12.72M▲ 0% | 14.95M▲ 17.5% | 18.4M▲ 23.1% | 20.09M▲ 9.2% | 23.5M▲ 16.9% | 32.52M▲ 38.4% | 22.79M▼ 29.9% | 25.94M▲ 13.8% | 33.31M▲ 28.4% |
Net Margin % | 25.05% | 26.74% | 23.49% | 23.57% | 25.49% | 28.61% | 14.99% | 14.69% | 17.61% |
Net Income Growth % | 9.05% | 17.52% | 23.1% | 9.2% | 16.92% | 38.39% | -29.92% | 13.83% | 28.42% |
Net Income (Continuing) | 12.72M | 14.95M | 18.4M | 20.09M | 23.5M | 32.52M | 22.79M | 25.94M | 33.31M |
EPS (Diluted) | 1.38▲ 0% | 1.61▲ 16.7% | 1.66▲ 3.1% | 1.80▲ 8.4% | 2.01▲ 11.7% | 2.46▲ 22.4% | 1.67▼ 32.1% | 1.90▲ 13.8% | 3.41▲ 79.5% |
EPS Growth % | 9.52% | 16.67% | 3.11% | 8.43% | 11.67% | 22.39% | -32.11% | 13.77% | 79.47% |
EPS (Basic) | 1.38 | 1.61 | 1.66 | 1.80 | 2.01 | 2.46 | 1.67 | 1.90 | 3.40 |
Diluted Shares Outstanding | 9.22M | 9.29M | 11.03M | 11.06M | 11.57M | 13.09M | 13.64M | 13.42M | 13.67M |
FMAO Balance Sheet
Farmers & Merchants Bancorp, Inc. (FMAO) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 233.9M | 209.96M | 276.74M | 410.74M | 576.33M | 478.32M | 502.13M | 601.41M | 519.32M |
Cash & Due from Banks | 37.5M | 41.51M | 54.45M | 102.93M | 146.4M | 87.53M | 143.66M | 177.34M | 97.72M |
Short Term Investments | 196.4M | 168.45M | 222.29M | 307.81M | 429.93M | 390.79M | 358.48M | 426.56M | 469K |
Total Investments | 1.02B | 1.01B | 1.44B | 1.61B | 2.29B | 2.74B | 2.93B | 2.98B | 3.13B |
Investments Growth % | 4.29% | -0.51% | 42.67% | 11.54% | 41.98% | 19.7% | 7.16% | 1.59% | 5.04% |
Long-Term Investments | 821.06M | 843.77M | 1.22B | 1.3B | 1.86B | 2.35B | 2.57B | 2.55B | 3.13B |
Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill & Intangibles | 6.37M | 6.46M | 49.97M | 50.66M | 83.59M | 89.91M | 92.01M | 92.01M | 91.53M |
Goodwill | 4.07M | 4.07M | 47.34M | 47.34M | 80.43M | 86.36M | 86.36M | 86.36M | 86.36M |
Intangible Assets | 2.3M | 2.38M | 2.63M | 3.32M | 3.16M | 3.55M | 5.65M | 5.66M | 5.17M |
PP&E (Net) | 21.73M | 22.61M | 26.35M | 27.06M | 26.91M | 28.66M | 35.8M | 33.83M | 31.86M |
Other Assets | 23.96M | 33.36M | 32.44M | 118.08M | 94.41M | 71.77M | 78.41M | 81.55M | -3.13B |
Total Current Assets | 233.9M | 209.96M | 276.74M | 410.74M | 576.33M | 478.32M | 502.13M | 605.39M | 519.32M |
Total Non-Current Assets | 873.11M | 906.21M | 1.33B | 1.5B | 2.06B | 2.54B | 2.78B | 2.76B | 118.22M |
Total Assets | 1.11B▲ 0% | 1.12B▲ 0.8% | 1.61B▲ 44.0% | 1.91B▲ 18.8% | 2.64B▲ 38.2% | 3.02B▲ 14.3% | 3.28B▲ 8.9% | 3.36B▲ 2.5% | 3.43B▲ 2.1% |
Asset Growth % | 4.84% | 0.83% | 44.01% | 18.8% | 38.16% | 14.29% | 8.88% | 2.48% | 2.07% |
Return on Assets (ROA) | 1.18% | 1.34% | 1.35% | 1.14% | 1.03% | 1.15% | 0.72% | 0.78% | 0.98% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 44.49M | 32.18M | 72.88M | 48.1M | 127.8M | 226.28M | 328.67M | 308.09M | 300.03M |
Net Debt | 7M | -9.33M | 18.43M | -54.83M | -18.59M | 138.75M | 185.01M | 130.75M | 202.31M |
Long-Term Debt | 5M | 0 | 24.81M | 17.86M | 98.54M | 172.07M | 300.45M | 280.87M | 262.31M |
Short-Term Debt | 39.49M | 32.18M | 48.07M | 30.24M | 29.27M | 54.21M | 28.22M | 27.22M | 37.72M |
Other Liabilities | 0 | 972.88M | 0 | 0 | 0 | 2.83M | 30.55M | 34.66M | 2.76B |
Total Current Liabilities | 967.87M | 972.88M | 1.35B | 1.64B | 2.24B | 2.54B | 2.64B | 2.72B | 38.68M |
Total Non-Current Liabilities | 5M | 0 | 24.81M | 17.86M | 98.54M | 174.9M | 331M | 315.53M | 3.02B |
Total Liabilities | 972.87M | 972.88M | 1.38B | 1.66B | 2.34B | 2.72B | 2.97B | 3.03B | 3.06B |
Total Equity | 134.14M▲ 0% | 143.29M▲ 6.8% | 230.26M▲ 60.7% | 249.16M▲ 8.2% | 297.17M▲ 19.3% | 298.14M▲ 0.3% | 316.54M▲ 6.2% | 335.21M▲ 5.9% | 370.86M▲ 10.6% |
Equity Growth % | 6.82% | 6.82% | 60.7% | 8.21% | 19.27% | 0.33% | 6.17% | 5.9% | 10.64% |
Equity / Assets (Capital Ratio) | 12.12% | 12.84% | 14.33% | 13.05% | 11.26% | 9.89% | 9.64% | 9.96% | 10.8% |
Return on Equity (ROE) | 9.8% | 10.78% | 9.85% | 8.38% | 8.6% | 10.92% | 7.41% | 7.96% | 9.44% |
Book Value per Share | 14.55 | 15.43 | 20.88 | 22.53 | 25.68 | 22.77 | 23.21 | 24.98 | 27.13 |
Tangible BV per Share | 13.86 | 14.74 | 16.35 | 17.95 | 18.46 | 15.91 | 16.46 | 18.12 | 20.44 |
Common Stock | 11.55M | 10.82M | 81.53M | 81.8M | 122.67M | 135.5M | 135.51M | 135.56M | 135.53M |
Additional Paid-in Capital | 11.55M | 10.82M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Retained Earnings | 136.58M | 147.89M | 160.08M | 173.59M | 189.4M | 212.45M | 221.08M | 235.85M | 257.86M |
Accumulated OCI | -13.37M | -13.84M | 1.1M | 5.7M | -3.18M | -38.23M | -29.01M | -25.22M | -11.89M |
Treasury Stock | -12.16M | -12.41M | -12.46M | -11.93M | -11.72M | -11.57M | -11.04M | -10.98M | -10.64M |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FMAO Cash Flow Statement
Farmers & Merchants Bancorp, Inc. (FMAO) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 17.65M | 10.74M | 23.93M | 27.38M | 34.74M | 40.67M | 22.15M | 32.47M | 36.39M |
Operating CF Growth % | 41.99% | -39.16% | 122.88% | 14.42% | 26.88% | 17.06% | -45.55% | 46.64% | 12.05% |
Net Income | 12.72M | 14.95M | 18.4M | 20.09M | 23.5M | 32.52M | 22.79M | 25.94M | 33.31M |
Depreciation & Amortization | 2.15M | 2.25M | 3.52M | 4.3M | 4.99M | 4.02M | 5.77M | 6.37M | 0 |
Deferred Taxes | 21K | 472K | 292K | -1.69M | -1.8M | 171K | 2.23M | 307K | 0 |
Other Non-Cash Items | 2.69M | 157K | -4.97M | 4.54M | 3.22M | 8.37M | -2.68M | -5.47M | 4.53M |
Working Capital Changes | -436K | -7.83M | 5.6M | -932K | 3.95M | -5.42M | -7.42M | 3.78M | -1.45M |
Cash from Investing | -48.17M | 1.47M | -149.32M | -177.72M | -265.69M | -389.9M | -194.09M | -44.36M | -138.35M |
Purchase of Investments | -15.34M | -13.87M | -110.19M | -183.69M | -171.3M | -39.99M | -13.4M | -99.13M | 0 |
Sale/Maturity of Investments | 36.63M | 39.77M | 78.39M | 102.85M | 65.6M | 31.06M | 45.98M | 35.02M | 0 |
Net Investment Activity | 21.29M | 25.91M | -31.8M | -80.85M | -105.7M | -8.93M | 32.59M | -64.11M | 0 |
Acquisitions | 0 | 0 | -2.09M | 0 | -12.36M | 9.07M | 0 | 0 | 0 |
Other Investing | -67.58M | -21.81M | -111.94M | -93.66M | -145.67M | -387.45M | -215.75M | 21.62M | -138.35M |
Cash from Financing | 36.67M | -8.31M | 138.32M | 274.75M | 236.07M | 252.82M | 229.73M | 46.04M | 23.33M |
Dividends Paid | -4.44M | -4.96M | -6.34M | -7.19M | -7.67M | -10.28M | -11.34M | -11.92M | -12.09M |
Share Repurchases | -196K | -490K | -381K | -383K | -338K | -308K | -218K | -664K | -362K |
Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | -196K | -490K | -381K | -383K | -338K | -308K | -218K | -664K | -362K |
Debt Issuance (Net) | -1000K | -1000K | -1000K | -1000K | 1000K | 1000K | 1000K | -1000K | -1000K |
Other Financing | 46.31M | 2.14M | 168.98M | 289.81M | 169.81M | 190.8M | 112.95M | 78.3M | 43.97M |
Net Change in Cash | 6.14M▲ 0% | 3.9M▼ 36.6% | 12.93M▲ 231.7% | 124.41M▲ 862.1% | 5.12M▼ 95.9% | -96.41M▼ 1984.2% | 57.79M▲ 159.9% | 34.15M▼ 40.9% | -78.63M▼ 330.3% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 28.32M | 34.47M | 38.37M | 51.3M | 175.71M | 180.82M | 84.41M | 142.2M | 176.35M |
Cash at End | 34.47M | 38.37M | 51.3M | 175.71M | 180.82M | 84.41M | 142.2M | 176.35M | 97.72M |
Interest Paid | 5.06M | 6.47M | 13.54M | 10.09M | 7.05M | 13.75M | 55.12M | 76.5M | 69.91M |
Income Taxes Paid | 5.1M | 5.16M | 3.95M | 6.47M | 6.15M | 7.7M | 5.42M | 3.1M | 8.71M |
Free Cash Flow | 15.76M▲ 0% | 8.11M▼ 48.6% | 20.42M▲ 151.8% | 24.16M▲ 18.3% | 32.78M▲ 35.7% | 38.07M▲ 16.1% | 11.22M▼ 70.5% | 30.6M▲ 172.8% | 34.62M▲ 13.1% |
FCF Growth % | 57.23% | -48.55% | 151.83% | 18.31% | 35.66% | 16.15% | -70.54% | 172.83% | 13.12% |
FMAO Banking Ratios
Farmers & Merchants Bancorp, Inc. (FMAO) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 9.5% | 9.8% | 10.78% | 9.85% | 8.38% | 8.6% | 10.92% | 7.41% | 7.96% | 9.44% |
Return on Assets (ROA) | 1.14% | 1.18% | 1.34% | 1.35% | 1.14% | 1.03% | 1.15% | 0.72% | 0.78% | 0.98% |
Net Interest Margin | 3.16% | 3.25% | 3.55% | 3.31% | 3.12% | 2.63% | 2.87% | 2.45% | 2.51% | 3.04% |
Efficiency Ratio | 54.68% | 54.21% | 55.02% | 50.65% | 50.06% | 56.29% | 47.71% | 41.79% | 37.41% | 39.78% |
Equity / Assets | 11.89% | 12.12% | 12.84% | 14.33% | 13.05% | 11.26% | 9.89% | 9.64% | 9.96% | 10.8% |
Book Value / Share | 13.62 | 14.55 | 15.43 | 20.88 | 22.53 | 25.68 | 22.77 | 23.21 | 24.98 | 27.13 |
NII Growth | 11.5% | 7.73% | 10.3% | 34.35% | 11.98% | 16.25% | 24.73% | -6.89% | 5.01% | 23.35% |
Dividend Payout | 35.28% | 34.93% | 33.15% | 34.48% | 35.76% | 32.65% | 31.6% | 49.74% | 45.96% | 36.28% |
Related:FMAO Dividend History·FMAO Revenue History·FMAO Price History·FMAO P/E History·FMAO Financial Ratios·FMAO Institutional Holders
FMAO SEC Filings & Documents
Farmers & Merchants Bancorp, Inc. (FMAO) SEC filings — annual & quarterly reports (10-K, 10-Q)
FMAO Frequently Asked Questions
Farmers & Merchants Bancorp, Inc. (FMAO) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Farmers & Merchants Bancorp, Inc. (FMAO) grew revenue by 7.1% over the past year. This is steady growth.
Yes, Farmers & Merchants Bancorp, Inc. (FMAO) is profitable, generating $33.3M in net income for fiscal year 2025 (17.6% net margin).
Dividend & Returns
Yes, Farmers & Merchants Bancorp, Inc. (FMAO) pays a dividend with a yield of 3.07%. This makes it attractive for income-focused investors.
Farmers & Merchants Bancorp, Inc. (FMAO) has a return on equity (ROE) of 9.4%. This is below average, suggesting room for improvement.
Industry Metrics
Farmers & Merchants Bancorp, Inc. (FMAO) has a net interest margin (NIM) of 3.0%. This indicates healthy earnings from lending activities.
Farmers & Merchants Bancorp, Inc. (FMAO) has an efficiency ratio of 39.8%. This is excellent, indicating strong cost control.