Farmers & Merchants Bancorp Inc (FMAO) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Farmers & Merchants Bancorp Inc stock (FMAO) is currently trading at $25.10. Farmers & Merchants Bancorp Inc PE ratio is 10.29. Farmers & Merchants Bancorp Inc PS ratio (Price-to-Sales) is 2.88. Analyst consensus price target for FMAO is $30.00. WallStSmart rates FMAO as Moderate Buy.
- FMAO PE ratio analysis and historical PE chart
- FMAO PS ratio (Price-to-Sales) history and trend
- FMAO intrinsic value — DCF, Graham Number, EPV models
- FMAO stock price prediction 2025 2026 2027 2028 2029 2030
- FMAO fair value vs current price
- FMAO insider transactions and insider buying
- Is FMAO undervalued or overvalued?
- Farmers & Merchants Bancorp Inc financial analysis — revenue, earnings, cash flow
- FMAO Piotroski F-Score and Altman Z-Score
- FMAO analyst price target and Smart Rating
Farmers & Merchants Bancorp Inc
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FMAO Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Farmers & Merchants Bancorp Inc (FMAO)
FMAO trades at a significant discount to its Graham intrinsic value of $91.56, offering a 70% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Farmers & Merchants Bancorp Inc (FMAO) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Farmers & Merchants Bancorp Inc (FMAO) Key Strengths (4)
Keeps $45 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $28 of every $100 in revenue as net profit
Strong revenue growth at 20.00% annually
Supporting Valuation Data
Farmers & Merchants Bancorp Inc (FMAO) Areas to Watch (5)
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 2.88x sales
Solid earnings growth at 19.30%
Moderate institutional interest at 33.66%
Farmers & Merchants Bancorp Inc (FMAO) Detailed Analysis Report
Overall Assessment
This company scores 65/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.5/10) while 5 fall into concern territory (avg 5.2/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including Price/Book (0.93) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 44.80%, Profit Margin at 27.90%. Growth metrics are encouraging with Revenue Growth at 20.00%.
The Bear Case
The primary concerns are Return on Equity, Market Cap, Price/Sales. Some valuation metrics including Price/Sales (2.88) suggest expensive pricing. Growth concerns include EPS Growth at 19.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 9.44%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.44% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 20.00% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Return on Equity, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FMAO Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FMAO's Price-to-Sales ratio of 2.88x trades at a deep discount to its historical average of 6.88x (5th percentile). The current valuation is 90% below its historical high of 28.24x set in Mar 2006, and 37% above its historical low of 2.11x in Oct 2023.
WallStSmart Analysis Synopsis
Data-driven financial summary for Farmers & Merchants Bancorp Inc (FMAO) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Farmers & Merchants Bancorp Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 119M with 20% growth year-over-year. Profit margins are strong at 27.9%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 944.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 27.9% and operating margin of 44.8% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 360.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Farmers & Merchants Bancorp Inc.
Bottom Line
Farmers & Merchants Bancorp Inc offers an attractive blend of growth (20% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Farmers & Merchants Bancorp Inc(FMAO)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Farmers & Merchants Bancorp, Inc. is the banking holding company for The Farmers & Merchants State Bank providing commercial banking services to individuals and small businesses in Northwest Ohio and Northeast Indiana. The company is headquartered in Archbold, Ohio.