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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6035
Compare:NAS:CIVB, NAS:HBMD, NAS:ACNB, NAS:UNTY, NAS:PMBC, AMEX:EVBN, NAS:ESXB, NAS:UNB, OTCPK:FNBG, NAS:FGBI, NAS:PVBC, OTCBB:CZFS, NAS:CUBN, NAS:SMBK, NAS:ORRF, NAS:CFCB, NAS:CHMG, NYSE:MSL, NAS:CFFI, NAS:BCBP » details
Farmers & Merchants Bancorp Inc is a bank holding company engaged in general commercial banking business. Its activities include commercial, agricultural and residential mortgage, consumer and credit card lending activities.

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 Company 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 Company's 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.

Ratios

vs
industry
vs
history
P/E(ttm) 15.54
FMAO's P/E(ttm) is ranked lower than
56% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. FMAO: 15.54 )
Ranked among companies with meaningful P/E(ttm) only.
FMAO' s P/E(ttm) Range Over the Past 10 Years
Min: 0.4  Med: 11.58 Max: 16.6
Current: 15.54
0.4
16.6
Forward P/E 15.06
FMAO's Forward P/E is ranked higher than
57% of the 390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.21 vs. FMAO: 15.06 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.54
FMAO's PE(NRI) is ranked lower than
55% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. FMAO: 15.54 )
Ranked among companies with meaningful PE(NRI) only.
FMAO' s PE(NRI) Range Over the Past 10 Years
Min: 0.4  Med: 11.58 Max: 16.6
Current: 15.54
0.4
16.6
Price/Owner Earnings (ttm) 17.53
FMAO's Price/Owner Earnings (ttm) is ranked lower than
59% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. FMAO: 17.53 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FMAO' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.32  Med: 11.37 Max: 322.58
Current: 17.53
2.32
322.58
P/B 1.44
FMAO's P/B is ranked lower than
64% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. FMAO: 1.44 )
Ranked among companies with meaningful P/B only.
FMAO' s P/B Range Over the Past 10 Years
Min: 0.78  Med: 1.02 Max: 1.54
Current: 1.44
0.78
1.54
P/S 4.02
FMAO's P/S is ranked lower than
61% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. FMAO: 4.02 )
Ranked among companies with meaningful P/S only.
FMAO' s P/S Range Over the Past 10 Years
Min: 0.81  Med: 2.61 Max: 5.22
Current: 4.02
0.81
5.22
PFCF 23.40
FMAO's PFCF is ranked lower than
71% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. FMAO: 23.40 )
Ranked among companies with meaningful PFCF only.
FMAO' s PFCF Range Over the Past 10 Years
Min: 3.94  Med: 8.13 Max: 25
Current: 23.4
3.94
25
POCF 18.77
FMAO's POCF is ranked lower than
67% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. FMAO: 18.77 )
Ranked among companies with meaningful POCF only.
FMAO' s POCF Range Over the Past 10 Years
Min: 3.45  Med: 7.01 Max: 21.44
Current: 18.77
3.45
21.44
EV-to-EBIT 9.96
FMAO's EV-to-EBIT is ranked higher than
60% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. FMAO: 9.96 )
Ranked among companies with meaningful EV-to-EBIT only.
FMAO' s EV-to-EBIT Range Over the Past 10 Years
Min: -12.4  Med: 7.7 Max: 15.6
Current: 9.96
-12.4
15.6
EV-to-EBITDA 8.97
FMAO's EV-to-EBITDA is ranked higher than
62% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. FMAO: 8.97 )
Ranked among companies with meaningful EV-to-EBITDA only.
FMAO' s EV-to-EBITDA Range Over the Past 10 Years
Min: -10.4  Med: 6.7 Max: 14.5
Current: 8.97
-10.4
14.5
PEG 3.69
FMAO's PEG is ranked lower than
79% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. FMAO: 3.69 )
Ranked among companies with meaningful PEG only.
FMAO' s PEG Range Over the Past 10 Years
Min: 0.1  Med: 1.82 Max: 5.71
Current: 3.69
0.1
5.71
Shiller P/E 35.00
FMAO's Shiller P/E is ranked lower than
80% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. FMAO: 35.00 )
Ranked among companies with meaningful Shiller P/E only.
FMAO' s Shiller P/E Range Over the Past 10 Years
Min: 1.72  Med: 2.58 Max: 37.39
Current: 35
1.72
37.39

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.31
FMAO's Dividend Yield is ranked lower than
57% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. FMAO: 2.31 )
Ranked among companies with meaningful Dividend Yield only.
FMAO' s Dividend Yield Range Over the Past 10 Years
Min: 2.05  Med: 3.56 Max: 4.74
Current: 2.31
2.05
4.74
Dividend Payout 0.37
FMAO's Dividend Payout is ranked lower than
56% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FMAO: 0.37 )
Ranked among companies with meaningful Dividend Payout only.
FMAO' s Dividend Payout Range Over the Past 10 Years
Min: 0.32  Med: 0.41 Max: 0.6
Current: 0.37
0.32
0.6
Dividend Growth (3y) 4.00
FMAO's Dividend Growth (3y) is ranked lower than
65% of the 766 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. FMAO: 4.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FMAO' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -29.1  Med: 4.65 Max: 66.3
Current: 4
-29.1
66.3
Forward Dividend Yield 2.34
FMAO's Forward Dividend Yield is ranked lower than
60% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. FMAO: 2.34 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.77
FMAO's Yield on cost (5-Year) is ranked lower than
59% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. FMAO: 2.77 )
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: 2.46  Med: 4.27 Max: 5.68
Current: 2.77
2.46
5.68
3-Year Average Share Buyback Ratio 0.10
FMAO's 3-Year Average Share Buyback Ratio is ranked higher than
77% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. FMAO: 0.10 )
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: -20.9  Med: -0.45 Max: 3.7
Current: 0.1
-20.9
3.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.52
FMAO's Price/Tangible Book is ranked lower than
61% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. FMAO: 1.52 )
Ranked among companies with meaningful Price/Tangible Book only.
FMAO' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.84  Med: 1.09 Max: 1.63
Current: 1.52
0.84
1.63
Price/Projected FCF 0.76
FMAO's Price/Projected FCF is ranked higher than
57% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. FMAO: 0.76 )
Ranked among companies with meaningful Price/Projected FCF only.
FMAO' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.48  Med: 0.55 Max: 0.82
Current: 0.76
0.48
0.82
Price/DCF (Earnings Based) 1.45
FMAO's Price/DCF (Earnings Based) is ranked lower than
83% of the 126 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. FMAO: 1.45 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.54
FMAO's Price/Median PS Value is ranked lower than
79% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. FMAO: 1.54 )
Ranked among companies with meaningful Price/Median PS Value only.
FMAO' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.34  Med: 0.93 Max: 1.95
Current: 1.54
0.34
1.95
Price/Graham Number 1.03
FMAO's Price/Graham Number is ranked lower than
54% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. FMAO: 1.03 )
Ranked among companies with meaningful Price/Graham Number only.
FMAO' s Price/Graham Number Range Over the Past 10 Years
Min: 0.23  Med: 0.76 Max: 1.1
Current: 1.03
0.23
1.1
Earnings Yield (Greenblatt) (%) 10.09
FMAO's Earnings Yield (Greenblatt) (%) is ranked higher than
71% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. FMAO: 10.09 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FMAO' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 6.4  Med: 13 Max: 34.8
Current: 10.09
6.4
34.8
Forward Rate of Return (Yacktman) (%) 11.07
FMAO's Forward Rate of Return (Yacktman) (%) is ranked higher than
50% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. FMAO: 11.07 )
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: -5.2  Med: 18.7 Max: 176.3
Current: 11.07
-5.2
176.3

More Statistics

Revenue (TTM) (Mil) $44.87
EPS (TTM) $ 2.53
Beta0.06
Short Percentage of Float0.00%
52-Week Range $27.30 - 50.00
Shares Outstanding (Mil)4.62

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.61 2.72
EPS w/o NRI ($) 2.61 2.72
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for FMAO

Headlines

Articles On GuruFocus.com
Is Farmers & Merchants Bancorp a Good Pick? Apr 10 2016 

More From Other Websites
FARMERS & MERCHANTS BANCORP INC Files SEC form 10-K, Annual Report Feb 22 2017
How Farmers & Merchants Bancorp (FMAO) Stock Stands Out in a Strong Industry Feb 22 2017
Farmers & Merchants Bancorp, Inc. (Ohio) : FMAO-US: Dividend Analysis : December 27th, 2016 (record... Feb 15 2017
Farmers & Merchants Bancorp, Inc. (Ohio) :FMAO-US: Earnings Analysis: 2016 By the Numbers : February... Feb 09 2017
FARMERS & MERCHANTS BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Feb 08 2017
Farmers & Merchants posts 4Q profit Feb 08 2017
Farmers & Merchants posts 4Q profit Feb 08 2017
Farmers & Merchants Bancorp, Inc. Reports Record 2016 Fourth-Quarter and Full-Year Financial Results Feb 08 2017
Farmers & Merchants Bancorp, Inc. (Ohio): Strong price momentum but will it sustain? Dec 26 2016
Farmers & Merchants Bancorp, Inc. Declares 2016 Fourth Quarter Dividend Dec 16 2016
FARMERS & MERCHANTS BANCORP INC Financials Nov 01 2016
Is Farmers and Merchant (FMAO) Stock a Solid Choice Right Now? Nov 01 2016
FARMERS & MERCHANTS BANCORP INC Files SEC form 10-Q, Quarterly Report Oct 26 2016
FARMERS & MERCHANTS BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers Oct 25 2016
Farmers & Merchants Bancorp, Inc. (Ohio) :FMAO-US: Earnings Analysis: Q3, 2016 By the Numbers :... Oct 25 2016
FARMERS & MERCHANTS BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 19 2016
Farmers & Merchants Bancorp, Inc. (Ohio) : FMAO-US: Dividend Analysis : September 27th, 2016 (record... Sep 28 2016
Farmers & Merchants Bancorp, Inc. (Ohio) : Undervalued relative to peers, but don’t ignore the... Sep 20 2016
Farmers & Merchants Bancorp, Inc. (Ohio): Strong price momentum but will it sustain? Sep 19 2016
FARMERS & MERCHANTS BANCORP INC Files SEC form 10-Q, Quarterly Report Jul 27 2016

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