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Also traded in: USA

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt No Debt
FMAO's Cash to Debt is ranked higher than
100% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. FMAO: No Debt )
Ranked among companies with meaningful Cash to Debt only.
FMAO' s Cash to Debt Range Over the Past 10 Years
Min: 0.42  Med: 1.07 Max: No Debt
Current: No Debt
Equity to Asset 0.13
FMAO's Equity to Asset is ranked higher than
77% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FMAO: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
FMAO' s Equity to Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.11 Max: 0.13
Current: 0.13
0.1
0.13
Interest Coverage 3.95
FMAO's Interest Coverage is ranked higher than
73% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. FMAO: 3.95 )
Ranked among companies with meaningful Interest Coverage only.
FMAO' s Interest Coverage Range Over the Past 10 Years
Min: 0.49  Med: 0.87 Max: 3.64
Current: 3.95
0.49
3.64
F-Score: 7
WACC vs ROIC
3.59%
11.11%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 34.82
FMAO's Operating margin (%) is ranked higher than
60% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. FMAO: 34.82 )
Ranked among companies with meaningful Operating margin (%) only.
FMAO' s Operating margin (%) Range Over the Past 10 Years
Min: 25.15  Med: 33.66 Max: 37.99
Current: 34.82
25.15
37.99
Net-margin (%) 25.24
FMAO's Net-margin (%) is ranked higher than
60% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. FMAO: 25.24 )
Ranked among companies with meaningful Net-margin (%) only.
FMAO' s Net-margin (%) Range Over the Past 10 Years
Min: 18.49  Med: 24.13 Max: 27.66
Current: 25.24
18.49
27.66
ROE (%) 8.82
FMAO's ROE (%) is ranked higher than
56% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. FMAO: 8.82 )
Ranked among companies with meaningful ROE (%) only.
FMAO' s ROE (%) Range Over the Past 10 Years
Min: 7.17  Med: 8.60 Max: 10.62
Current: 8.82
7.17
10.62
ROA (%) 1.08
FMAO's ROA (%) is ranked higher than
67% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. FMAO: 1.08 )
Ranked among companies with meaningful ROA (%) only.
FMAO' s ROA (%) Range Over the Past 10 Years
Min: 0.79  Med: 0.97 Max: 1.2
Current: 1.08
0.79
1.2
Revenue Growth (3Y)(%) 4.60
FMAO's Revenue Growth (3Y)(%) is ranked higher than
62% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. FMAO: 4.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FMAO' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -56.8  Med: 5.35 Max: 133
Current: 4.6
-56.8
133
EBITDA Growth (3Y)(%) 5.80
FMAO's EBITDA Growth (3Y)(%) is ranked lower than
51% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. FMAO: 5.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FMAO' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -60.6  Med: 1.30 Max: 72.7
Current: 5.8
-60.6
72.7
EPS Growth (3Y)(%) 4.70
FMAO's EPS Growth (3Y)(%) is ranked lower than
56% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. FMAO: 4.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FMAO' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -61.9  Med: 8.70 Max: 73.6
Current: 4.7
-61.9
73.6
» FMAO's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 12.30
FMAO's P/E(ttm) is ranked higher than
51% of the 1403 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. FMAO: 12.30 )
Ranked among companies with meaningful P/E(ttm) only.
FMAO' s P/E(ttm) Range Over the Past 10 Years
Min: 0.4  Med: 10.60 Max: 19.59
Current: 12.3
0.4
19.59
Forward P/E 11.26
FMAO's Forward P/E is ranked lower than
57% of the 703 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.52 vs. FMAO: 11.26 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.30
FMAO's PE(NRI) is ranked higher than
51% of the 1401 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. FMAO: 12.30 )
Ranked among companies with meaningful PE(NRI) only.
FMAO' s PE(NRI) Range Over the Past 10 Years
Min: 0.45  Med: 10.62 Max: 19.55
Current: 12.3
0.45
19.55
P/B 1.05
FMAO's P/B is ranked lower than
55% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. FMAO: 1.05 )
Ranked among companies with meaningful P/B only.
FMAO' s P/B Range Over the Past 10 Years
Min: 0.78  Med: 1.00 Max: 1.45
Current: 1.05
0.78
1.45
P/S 3.10
FMAO's P/S is ranked lower than
57% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. FMAO: 3.10 )
Ranked among companies with meaningful P/S only.
FMAO' s P/S Range Over the Past 10 Years
Min: 0.21  Med: 2.38 Max: 3.3
Current: 3.1
0.21
3.3
PFCF 8.71
FMAO's PFCF is ranked higher than
53% of the 937 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.36 vs. FMAO: 8.71 )
Ranked among companies with meaningful PFCF only.
FMAO' s PFCF Range Over the Past 10 Years
Min: 0.69  Med: 7.14 Max: 23.43
Current: 8.71
0.69
23.43
POCF 7.99
FMAO's POCF is ranked higher than
51% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.10 vs. FMAO: 7.99 )
Ranked among companies with meaningful POCF only.
FMAO' s POCF Range Over the Past 10 Years
Min: 0.65  Med: 6.17 Max: 21.37
Current: 7.99
0.65
21.37
EV-to-EBIT 6.78
FMAO's EV-to-EBIT is ranked higher than
83% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.68 vs. FMAO: 6.78 )
Ranked among companies with meaningful EV-to-EBIT only.
FMAO' s EV-to-EBIT Range Over the Past 10 Years
Min: -12.3  Med: 7.00 Max: 39.9
Current: 6.78
-12.3
39.9
EV-to-EBITDA 5.90
FMAO's EV-to-EBITDA is ranked higher than
84% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. FMAO: 5.90 )
Ranked among companies with meaningful EV-to-EBITDA only.
FMAO' s EV-to-EBITDA Range Over the Past 10 Years
Min: -10.3  Med: 6.00 Max: 33.8
Current: 5.9
-10.3
33.8
PEG 1.56
FMAO's PEG is ranked lower than
65% of the 618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. FMAO: 1.56 )
Ranked among companies with meaningful PEG only.
FMAO' s PEG Range Over the Past 10 Years
Min: 0.02  Med: 1.38 Max: 3.54
Current: 1.56
0.02
3.54
Shiller P/E 2.28
FMAO's Shiller P/E is ranked higher than
97% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.90 vs. FMAO: 2.28 )
Ranked among companies with meaningful Shiller P/E only.
FMAO' s Shiller P/E Range Over the Past 10 Years
Min: 1.17  Med: 1.58 Max: 2.3
Current: 2.28
1.17
2.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.19
FMAO's Dividend Yield is ranked higher than
53% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. FMAO: 3.19 )
Ranked among companies with meaningful Dividend Yield only.
FMAO' s Dividend Yield Range Over the Past 10 Years
Min: 0.64  Med: 3.64 Max: 4.74
Current: 3.19
0.64
4.74
Dividend Payout 0.39
FMAO's Dividend Payout is ranked lower than
58% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. FMAO: 0.39 )
Ranked among companies with meaningful Dividend Payout only.
FMAO' s Dividend Payout Range Over the Past 10 Years
Min: 0.01  Med: 0.39 Max: 2.31
Current: 0.39
0.01
2.31
Dividend Growth (3y) 3.40
FMAO's Dividend Growth (3y) is ranked lower than
55% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. FMAO: 3.40 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FMAO' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 17
Current: 3.4
0
17
Forward Dividend Yield 3.23
FMAO's Forward Dividend Yield is ranked higher than
50% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. FMAO: 3.23 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.73
FMAO's Yield on cost (5-Year) is ranked higher than
54% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. FMAO: 3.73 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FMAO' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.75  Med: 4.26 Max: 5.55
Current: 3.73
0.75
5.55
3-Year Average Share Buyback Ratio 0.40
FMAO's 3-Year Average Share Buyback Ratio is ranked higher than
82% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. FMAO: 0.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FMAO' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -145.1  Med: 0.35 Max: 49.3
Current: 0.4
-145.1
49.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.11
FMAO's Price/Tangible Book is ranked lower than
53% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. FMAO: 1.11 )
Ranked among companies with meaningful Price/Tangible Book only.
FMAO' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.84  Med: 1.06 Max: 1.42
Current: 1.11
0.84
1.42
Price/Projected FCF 0.56
FMAO's Price/Projected FCF is ranked higher than
60% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. FMAO: 0.56 )
Ranked among companies with meaningful Price/Projected FCF only.
FMAO' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.03  Med: 0.54 Max: 2.08
Current: 0.56
0.03
2.08
Price/Median PS Value 1.30
FMAO's Price/Median PS Value is ranked lower than
84% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. FMAO: 1.30 )
Ranked among companies with meaningful Price/Median PS Value only.
FMAO' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.1  Med: 0.99 Max: 1.38
Current: 1.3
0.1
1.38
Price/Peter Lynch Fair Value 1.90
FMAO's Price/Peter Lynch Fair Value is ranked lower than
86% of the 429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. FMAO: 1.90 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FMAO' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.07  Med: 1.23 Max: 3.26
Current: 1.9
0.07
3.26
Price/Graham Number 0.78
FMAO's Price/Graham Number is ranked higher than
50% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. FMAO: 0.78 )
Ranked among companies with meaningful Price/Graham Number only.
FMAO' s Price/Graham Number Range Over the Past 10 Years
Min: 0.16  Med: 0.67 Max: 0.96
Current: 0.78
0.16
0.96
Earnings Yield (Greenblatt) (%) 14.70
FMAO's Earnings Yield (Greenblatt) (%) is ranked higher than
85% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FMAO: 14.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FMAO' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.5  Med: 14.10 Max: 131.3
Current: 14.7
2.5
131.3
Forward Rate of Return (Yacktman) (%) 17.10
FMAO's Forward Rate of Return (Yacktman) (%) is ranked higher than
55% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. FMAO: 17.10 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FMAO' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -27  Med: 20.30 Max: 176.3
Current: 17.1
-27
176.3

More Statistics

Revenue(Mil) $41
EPS $ 2.22
Beta-0.05
Short Percentage of Float0.00%
52-Week Range $25.35 - 28.25
Shares Outstanding(Mil)4.62

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil)
EPS($) 2.16 2.35 2.42
EPS without NRI($) 2.16 2.35 2.42

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Traded in other countries:FMBA.USA,
Farmers & Merchants Bancorp Inc is a bank holding Company incorporated under the laws of Ohio in 1985. The Company along with its subsidiary, The Farmers & Merchants State Bank provides financial services to individuals and small businesses. It engages in general commercial banking business. Its activities include commercial, agricultural and residential mortgage, consumer and credit card lending activities. The Bank also provides checking account services, as well as savings and time deposit services such as certificates of deposits. Because the Banks branches are located in Northwest Ohio and Northeast Indiana, a sizeable amount of its loan portfolio is comprised of loans made to customers in the farming industry for such things as farm land, farm equipment, livestock and general operation loans for seed, fertilizer, feed. Other types of lending activities include loans for home improvements, and loans for such items as autos, trucks, recreational vehicles and motorcycles. The Banks primary market includes communities located in the Ohio counties of Defiance, Fulton, Henry, Lucas, Williams, and Wood. The commercial banking business in this market is competitive with approximately 17 other depository institutions currently doing business in the Banks primary market. The Company competes directly with other commercial banks, credit unions, farm credit services, and savings and loan institutions in each of its operating localities. The business in which the Company and its subsidiary are engaged is subject to supervision, regulation and examination by various bank regulatory authorities.
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