FMAO Farmers & Merchants Bancorp Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: FMAO

Price (delayed)

$21

Market cap

$286.95M

P/E Ratio

12.57

Dividend/share

$0.86

EPS

$1.67

Enterprise value

$470.68M

The Farmers & Merchants State Bank is a local independent community bank that has been serving Northwest Ohio and Northeast Indiana since 1897. The Farmers & Merchants State Bank provides ...

Highlights
The equity rose by 6% year-on-year and by 4.4% since the previous quarter
The P/E is 9% above the last 4 quarters average of 11.5 but 7% below the 5-year quarterly average of 13.5
The debt is up by 45% year-on-year
Farmers & Merchants Bancorp's EPS has decreased by 32% YoY and by 6% from the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.fm-bank.com
Peers: FITB BRKL NWBI

Key stats

What are the main financial stats of FMAO
Market
Shares outstanding
13.66M
Market cap
$286.95M
Enterprise value
$470.68M
Valuations
Price to earnings (P/E)
12.57
Price to book (P/B)
0.91
Price to sales (P/S)
3
EV/EBIT
16.6
EV/EBITDA
13.79
EV/Sales
4.92
Earnings
Revenue
$95.69M
EBIT
$28.35M
EBITDA
$34.13M
Free cash flow
$11.22M
Per share
EPS
$1.67
Free cash flow per share
$0.82
Book value per share
$23.16
Revenue per share
$7
TBVPS
$233.93
Balance sheet
Total assets
$3.28B
Total liabilities
$2.97B
Debt
$328.67M
Equity
$316.54M
Working capital
N/A
Liquidity
Debt to equity
1.04
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
5.38
Margins
EBITDA margin
35.7%
Gross margin
100%
Net margin
23.8%
Operating margin
29.8%
Efficiency
Return on assets
0.7%
Return on equity
7.4%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
29.6%
Dividend
Dividend yield
4.1%
DPS
$0.86
Payout ratio
51.5%

FMAO stock price

How has the Farmers & Merchants Bancorp stock price performed over time
Intraday
3.91%
1 week
4.63%
1 month
3.96%
1 year
-8.42%
YTD
-15.32%
QTD
-5.79%

Financial performance

How have Farmers & Merchants Bancorp's revenue and profit performed over time
Revenue
$95.69M
Gross profit
$95.69M
Operating income
$28.49M
Net income
$22.79M
Gross margin
100%
Net margin
23.8%
FMAO's net income is down by 30% year-on-year and by 7% since the previous quarter
The net margin is down by 29% year-on-year and by 4.4% since the previous quarter
Farmers & Merchants Bancorp's operating income has decreased by 29% YoY and by 6% QoQ
Farmers & Merchants Bancorp's operating margin has decreased by 28% YoY and by 3.9% from the previous quarter

Growth

What is Farmers & Merchants Bancorp's growth rate over time

Valuation

What is Farmers & Merchants Bancorp stock price valuation
P/E
12.57
P/B
0.91
P/S
3
EV/EBIT
16.6
EV/EBITDA
13.79
EV/Sales
4.92
Farmers & Merchants Bancorp's EPS has decreased by 32% YoY and by 6% from the previous quarter
The P/E is 9% above the last 4 quarters average of 11.5 but 7% below the 5-year quarterly average of 13.5
The P/B is 24% less than the 5-year quarterly average of 1.2 and 9% less than the last 4 quarters average of 1.0
The equity rose by 6% year-on-year and by 4.4% since the previous quarter
FMAO's price to sales (P/S) is 25% lower than its 5-year quarterly average of 4.0 and 3.2% lower than its last 4 quarters average of 3.1
Farmers & Merchants Bancorp's revenue has decreased by 2.6% from the previous quarter and by 2.1% YoY

Efficiency

How efficient is Farmers & Merchants Bancorp business performance
FMAO's ROA is down by 42% year-on-year and by 13% since the previous quarter
The ROIC has contracted by 40% YoY
FMAO's return on equity is down by 35% year-on-year and by 9% since the previous quarter
Farmers & Merchants Bancorp's ROS has decreased by 29% YoY and by 4.2% from the previous quarter

Dividends

What is FMAO's dividend history
Dividend details
DPS
$0.86
Dividend yield
4.1%
Payout ratio
51.5%
Recent dividends

Financial health

How did Farmers & Merchants Bancorp financials performed over time
FMAO's total assets is 11% greater than its total liabilities
Farmers & Merchants Bancorp's total liabilities has increased by 9% YoY
FMAO's total assets is up by 9% year-on-year
The debt is 3.8% greater than the equity
The debt is up by 45% year-on-year
The company's debt to equity rose by 37% YoY but it fell by 4.6% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.