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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 : 6/10

vs
industry
vs
history
Cash to Debt 4.06
FMAO's Cash to Debt is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 4.06 )
FMAO' s 10-Year Cash to Debt Range
Min: 0.42   Max: No Debt
Current: 4.06

Equity to Asset 0.11
FMAO's Equity to Asset is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 0.11 )
FMAO' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.12
Current: 0.11

0.1
0.12
Interest Coverage 2.74
FMAO's Interest Coverage is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: 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: 5
Z-Score: 0.30
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 (%) 33.59
FMAO's Operating margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 33.59 )
FMAO' s 10-Year Operating margin (%) Range
Min: 25.15   Max: 37.27
Current: 33.59

25.15
37.27
Net-margin (%) 24.01
FMAO's Net-margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 24.01 )
FMAO' s 10-Year Net-margin (%) Range
Min: 10.45   Max: 26.97
Current: 24.01

10.45
26.97
ROE (%) 8.31
FMAO's ROE (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 8.31 )
FMAO' s 10-Year ROE (%) Range
Min: 7.06   Max: 12.96
Current: 8.31

7.06
12.96
ROA (%) 0.93
FMAO's ROA (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 0.93 )
FMAO' s 10-Year ROA (%) Range
Min: 0.77   Max: 1.31
Current: 0.93

0.77
1.31
ROC (Joel Greenblatt) (%) 67.36
FMAO's ROC (Joel Greenblatt) (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 67.36 )
FMAO' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 54.43   Max: 79.24
Current: 67.36

54.43
79.24
Revenue Growth (%) 0.60
FMAO's Revenue Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 0.60 )
FMAO' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 62
Current: 0.6

0
62
EBITDA Growth (%) 8.70
FMAO's EBITDA Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 8.70 )
FMAO' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 131.9
Current: 8.7

0
131.9
EPS Growth (%) 9.30
FMAO's EPS Growth (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: 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

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Ratios

vs
industry
vs
history
P/E(ttm) 12.90
FMAO's P/E(ttm) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 12.90 )
FMAO' s 10-Year P/E(ttm) Range
Min: 0.4   Max: 19.59
Current: 12.9

0.4
19.59
P/B 1.10
FMAO's P/B is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: 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 3.12
FMAO's P/S is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 3.12 )
FMAO' s 10-Year P/S Range
Min: 0.21   Max: 3.3
Current: 3.12

0.21
3.3
PFCF 7.90
FMAO's PFCF is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 7.90 )
FMAO' s 10-Year PFCF Range
Min: 0.65   Max: 25.26
Current: 7.9

0.65
25.26
EV-to-EBIT 9.60
FMAO's EV-to-EBIT is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 9.60 )
FMAO' s 10-Year EV-to-EBIT Range
Min: 0.8   Max: 39.9
Current: 9.6

0.8
39.9
PEG 1.40
FMAO's PEG is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 1.40 )
FMAO' s 10-Year PEG Range
Min: 0.04   Max: 19.55
Current: 1.4

0.04
19.55
Shiller P/E 5.70
FMAO's Shiller P/E is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 5.70 )
FMAO' s 10-Year Shiller P/E Range
Min: 0.91   Max: 5.7
Current: 5.7

0.91
5.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.28
FMAO's Dividend Yield is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 3.28 )
FMAO' s 10-Year Dividend Yield Range
Min: 0.64   Max: 4.74
Current: 3.28

0.64
4.74
Dividend Payout 0.42
FMAO's Dividend Payout is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 0.42 )
FMAO' s 10-Year Dividend Payout Range
Min: 0.02   Max: 0.6
Current: 0.42

0.02
0.6
Dividend growth (3y) 3.50
FMAO's Dividend growth (3y) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: 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 lower than
100% of the Companies
in the Global industry.

( Industry Median: 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 lower than
100% of the Companies
in the Global industry.

( Industry Median: 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 lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 1.10 )
FMAO' s 10-Year Price/Tangible Book Range
Min: 0.84   Max: 1.32
Current: 1.1

0.84
1.32
Price/DCF (Projected) 0.60
FMAO's Price/DCF (Projected) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 0.60 )
FMAO' s 10-Year Price/DCF (Projected) Range
Min: 0.03   Max: 1.92
Current: 0.6

0.03
1.92
Price/Median PS Value 1.40
FMAO's Price/Median PS Value is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 1.40 )
FMAO' s 10-Year Price/Median PS Value Range
Min: 0.08   Max: 1.19
Current: 1.4

0.08
1.19
Price/Graham Number 0.80
FMAO's Price/Graham Number is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 0.80 )
FMAO' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 0.92
Current: 0.8

0.6
0.92
Earnings Yield (Greenblatt) 10.40
FMAO's Earnings Yield (Greenblatt) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 10.40 )
FMAO' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.5   Max: 131.3
Current: 10.4

2.5
131.3
Forward Rate of Return (Yacktman) 19.63
FMAO's Forward Rate of Return (Yacktman) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. FMAO: 19.63 )
FMAO' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 20.5   Max: 154.3
Current: 19.63

20.5
154.3

Business Description

Industry: »
Compare: » details
Farmers & Merchants Bancorp, Inc. is a bank holding Company, which through its subsidiary; The Farmers & Merchants State Bank provides a variety of financial services to individuals and small businesses. The Company was incorporated under the laws of Ohio in 1985. It is a bank holding Company. Its primary subsidiary, The Farmers & Merchants State Bank (Bank) is a community bank operating in Northwest Ohio since 1897. Its only other subsidiary, Farmers & Merchants Life Insurance Company, a reinsurance company for life, accident and health insurance for the Bank's consumer credits, was formed in 1992. Farmers & Merchants Life Insurance Company was dissolved during 2007. The Farmers & Merchants State Bank engages in general commercial banking and savings business. Its activities include commercial, agricultural and residential mortgage, consumer and credit card lending activities. Because the Bank's branches are located in Northwest Ohio and Northeast Indiana, a substantial 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, etc. Other types of lending activities include loans for home improvements, and loans for such items as autos, trucks, recreational vehicles, motorcycles, etc. it also provides checking account services, as well as savings and time deposit services such as certificates of deposits. Farmers & Merchants Life Insurance Company was established to provide services to its customers through the issuance of life and disability insurance policies. F&M Investment Services, the brokerage department of the Bank, opened for business in April, 1999. Securities are offered through Raymond James Financial Services, Inc. The commercial banking business in this market is highly competitive. In its banking activities, 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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