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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
90% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. FMAO: No Debt )
FMAO' s 10-Year Cash to Debt Range
Min: 0.42   Max: No Debt
Current: No Debt

Equity to Asset 0.12
FMAO's Equity to Asset is ranked higher than
80% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FMAO: 0.12 )
FMAO' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.12
Current: 0.12

0.1
0.12
Interest Coverage 2.74
FMAO's Interest Coverage is ranked higher than
81% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FMAO: 2.74 )
FMAO' s 10-Year Interest Coverage Range
Min: 0.49   Max: 2.74
Current: 2.74

0.49
2.74
F-Score: 6
Z-Score: 0.36
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 : 7/10

vs
industry
vs
history
Operating margin (%) 33.05
FMAO's Operating margin (%) is ranked higher than
80% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. FMAO: 33.05 )
FMAO' s 10-Year Operating margin (%) Range
Min: -290.34   Max: 37.27
Current: 33.05

-290.34
37.27
Net-margin (%) 23.77
FMAO's Net-margin (%) is ranked higher than
80% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. FMAO: 23.77 )
FMAO' s 10-Year Net-margin (%) Range
Min: 18.49   Max: 131.4
Current: 23.77

18.49
131.4
ROE (%) 8.47
FMAO's ROE (%) is ranked higher than
75% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. FMAO: 8.47 )
FMAO' s 10-Year ROE (%) Range
Min: 7.17   Max: 13.14
Current: 8.47

7.17
13.14
ROA (%) 0.98
FMAO's ROA (%) is ranked higher than
81% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FMAO: 0.98 )
FMAO' s 10-Year ROA (%) Range
Min: 0.79   Max: 1.35
Current: 0.98

0.79
1.35
ROC (Joel Greenblatt) (%) 67.19
FMAO's ROC (Joel Greenblatt) (%) is ranked higher than
73% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. FMAO: 67.19 )
FMAO' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -336.24   Max: 127.06
Current: 67.19

-336.24
127.06
Revenue Growth (%) 0.60
FMAO's Revenue Growth (%) is ranked higher than
74% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FMAO: 0.60 )
FMAO' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 89
Current: 0.6

0
89
EBITDA Growth (%) 8.70
FMAO's EBITDA Growth (%) is ranked higher than
77% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FMAO: 8.70 )
FMAO' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 72.7
Current: 8.7

0
72.7
EPS Growth (%) 9.30
FMAO's EPS Growth (%) is ranked higher than
76% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. FMAO: 9.30 )
FMAO' s 10-Year EPS Growth (%) Range
Min: -62   Max: 73.6
Current: 9.3

-62
73.6
» FMAO's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with FMAO

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.80
FMAO's P/E(ttm) is ranked higher than
84% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. FMAO: 12.80 )
FMAO' s 10-Year P/E(ttm) Range
Min: 0.4   Max: 19.59
Current: 12.8

0.4
19.59
P/B 1.10
FMAO's P/B is ranked higher than
80% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. FMAO: 1.10 )
FMAO' s 10-Year P/B Range
Min: 0.78   Max: 1.45
Current: 1.1

0.78
1.45
P/S 3.00
FMAO's P/S is ranked higher than
78% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. FMAO: 3.00 )
FMAO' s 10-Year P/S Range
Min: 0.21   Max: 3.3
Current: 3

0.21
3.3
PFCF 7.70
FMAO's PFCF is ranked higher than
89% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FMAO: 7.70 )
FMAO' s 10-Year PFCF Range
Min: 0.69   Max: 181.82
Current: 7.7

0.69
181.82
EV-to-EBIT 7.85
FMAO's EV-to-EBIT is ranked higher than
92% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. FMAO: 7.85 )
FMAO' s 10-Year EV-to-EBIT Range
Min: -12.4   Max: 39.9
Current: 7.85

-12.4
39.9
PEG 1.42
FMAO's PEG is ranked higher than
88% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FMAO: 1.42 )
FMAO' s 10-Year PEG Range
Min: 0.11   Max: 3.05
Current: 1.42

0.11
3.05
Shiller P/E 14.40
FMAO's Shiller P/E is ranked higher than
91% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FMAO: 14.40 )
FMAO' s 10-Year Shiller P/E Range
Min: 0.83   Max: 14.61
Current: 14.4

0.83
14.61

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.30
FMAO's Dividend Yield is ranked higher than
71% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. FMAO: 3.30 )
FMAO' s 10-Year Dividend Yield Range
Min: 0.64   Max: 4.74
Current: 3.3

0.64
4.74
Dividend Payout 0.42
FMAO's Dividend Payout is ranked higher than
70% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. FMAO: 0.42 )
FMAO' s 10-Year Dividend Payout Range
Min: 0.01   Max: 2.31
Current: 0.42

0.01
2.31
Dividend growth (3y) 3.50
FMAO's Dividend growth (3y) is ranked higher than
74% of the 1127 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. FMAO: 3.50 )
FMAO' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 17
Current: 3.5

0
17
Yield on cost (5-Year) 3.84
FMAO's Yield on cost (5-Year) is ranked higher than
69% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. FMAO: 3.84 )
FMAO' s 10-Year Yield on cost (5-Year) Range
Min: 0.75   Max: 5.52
Current: 3.84

0.75
5.52
Share Buyback Rate 0.30
FMAO's Share Buyback Rate is ranked higher than
88% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. FMAO: 0.30 )
FMAO' s 10-Year Share Buyback Rate Range
Min: 49.3   Max: -145.1
Current: 0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
FMAO's Price/Tangible Book is ranked higher than
82% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. FMAO: 1.10 )
FMAO' s 10-Year Price/Tangible Book Range
Min: 0.84   Max: 1.42
Current: 1.1

0.84
1.42
Price/DCF (Projected) 0.50
FMAO's Price/DCF (Projected) is ranked higher than
91% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. FMAO: 0.50 )
FMAO' s 10-Year Price/DCF (Projected) Range
Min: 0.03   Max: 2.15
Current: 0.5

0.03
2.15
Price/Median PS Value 1.30
FMAO's Price/Median PS Value is ranked higher than
70% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. FMAO: 1.30 )
FMAO' s 10-Year Price/Median PS Value Range
Min: 0.1   Max: 1.41
Current: 1.3

0.1
1.41
Price/Peter Lynch Fair Value 1.40
FMAO's Price/Peter Lynch Fair Value is ranked higher than
91% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FMAO: 1.40 )
FMAO' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.09   Max: 1.71
Current: 1.4

0.09
1.71
Price/Graham Number 0.80
FMAO's Price/Graham Number is ranked higher than
85% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FMAO: 0.80 )
FMAO' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 0.95
Current: 0.8

0.6
0.95
Earnings Yield (Greenblatt) 12.70
FMAO's Earnings Yield (Greenblatt) is ranked higher than
91% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FMAO: 12.70 )
FMAO' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.5   Max: 131.3
Current: 12.7

2.5
131.3
Forward Rate of Return (Yacktman) 19.69
FMAO's Forward Rate of Return (Yacktman) is ranked higher than
78% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. FMAO: 19.69 )
FMAO' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -29.5   Max: 96.9
Current: 19.69

-29.5
96.9

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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