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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 : 6/10

vs
industry
vs
history
Cash to Debt 2.72
FMAO's Cash to Debt is ranked lower than
51% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.02 vs. FMAO: 2.72 )
Ranked among companies with meaningful Cash to Debt only.
FMAO' s Cash to Debt Range Over the Past 10 Years
Min: 0.42  Med: 1.15 Max: No Debt
Current: 2.72
Equity to Asset 0.12
FMAO's Equity to Asset is ranked higher than
70% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FMAO: 0.12 )
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: 0.12
0.1
0.13
Interest Coverage 3.86
FMAO's Interest Coverage is ranked higher than
74% of the 1535 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. FMAO: 3.86 )
Ranked among companies with meaningful Interest Coverage only.
FMAO' s Interest Coverage Range Over the Past 10 Years
Min: 0.49  Med: 1.13 Max: 3.95
Current: 3.86
0.49
3.95
F-Score: 6
WACC vs ROIC
3.00%
10.74%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 34.51
FMAO's Operating margin (%) is ranked higher than
59% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. FMAO: 34.51 )
Ranked among companies with meaningful Operating margin (%) only.
FMAO' s Operating margin (%) Range Over the Past 10 Years
Min: 24.7  Med: 33.73 Max: 37.27
Current: 34.51
24.7
37.27
Net-margin (%) 25.14
FMAO's Net-margin (%) is ranked higher than
59% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.32 vs. FMAO: 25.14 )
Ranked among companies with meaningful Net-margin (%) only.
FMAO' s Net-margin (%) Range Over the Past 10 Years
Min: 18.42  Med: 24.13 Max: 26.97
Current: 25.14
18.42
26.97
ROE (%) 8.71
FMAO's ROE (%) is ranked higher than
53% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. FMAO: 8.71 )
Ranked among companies with meaningful ROE (%) only.
FMAO' s ROE (%) Range Over the Past 10 Years
Min: 7.17  Med: 8.60 Max: 9.55
Current: 8.71
7.17
9.55
ROA (%) 1.08
FMAO's ROA (%) is ranked higher than
64% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 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: 1.12
Current: 1.08
0.79
1.12
Revenue Growth (3Y)(%) 3.30
FMAO's Revenue Growth (3Y)(%) is ranked higher than
54% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. FMAO: 3.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FMAO' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -35.9  Med: 4.60 Max: 85.9
Current: 3.3
-35.9
85.9
EBITDA Growth (3Y)(%) 1.40
FMAO's EBITDA Growth (3Y)(%) is ranked lower than
64% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. FMAO: 1.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FMAO' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -36.1  Med: 0.40 Max: 12.3
Current: 1.4
-36.1
12.3
EPS Growth (3Y)(%) 2.40
FMAO's EPS Growth (3Y)(%) is ranked lower than
65% of the 1261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FMAO: 2.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FMAO' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -62.5  Med: 7.00 Max: 75
Current: 2.4
-62.5
75
» FMAO's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:FNBG, OTCBB:FVCB, NAS:WFD, NAS:SHBI, OTCPK:IALB, NAS:CHMG, OTCBB:FKYS, NAS:FGBI, NAS:CFFI, NAS:ISTR, NAS:CVCY, NAS:SONA, NAS:CFNB, NAS:FCTY, OTCPK:HCFB, OTCPK:EXSR, NAS:ESXB, NAS:BCBP, NAS:ACNB, NYSE:MSL » details
Traded in other countries:FMBA.USA,
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) 12.23
FMAO's P/E(ttm) is ranked higher than
50% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. FMAO: 12.23 )
Ranked among companies with meaningful P/E(ttm) only.
FMAO' s P/E(ttm) Range Over the Past 10 Years
Min: 0.45  Med: 11.22 Max: 15.49
Current: 12.23
0.45
15.49
Forward P/E 12.38
FMAO's Forward P/E is ranked higher than
51% of the 366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. FMAO: 12.38 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.23
FMAO's PE(NRI) is ranked higher than
50% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. FMAO: 12.23 )
Ranked among companies with meaningful PE(NRI) only.
FMAO' s PE(NRI) Range Over the Past 10 Years
Min: 0.45  Med: 10.96 Max: 15.38
Current: 12.23
0.45
15.38
Price/Owner Earnings (ttm) 10.31
FMAO's Price/Owner Earnings (ttm) is ranked higher than
58% of the 865 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. FMAO: 10.31 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FMAO' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 0.54  Med: 10.69 Max: 322.58
Current: 10.31
0.54
322.58
P/B 1.04
FMAO's P/B is ranked lower than
55% of the 1654 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. FMAO: 1.04 )
Ranked among companies with meaningful P/B only.
FMAO' s P/B Range Over the Past 10 Years
Min: 0.78  Med: 1.01 Max: 1.45
Current: 1.04
0.78
1.45
P/S 3.06
FMAO's P/S is ranked lower than
56% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. FMAO: 3.06 )
Ranked among companies with meaningful P/S only.
FMAO' s P/S Range Over the Past 10 Years
Min: 0.29  Med: 2.39 Max: 3.23
Current: 3.06
0.29
3.23
PFCF 9.84
FMAO's PFCF is ranked higher than
50% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.09 vs. FMAO: 9.84 )
Ranked among companies with meaningful PFCF only.
FMAO' s PFCF Range Over the Past 10 Years
Min: 0.97  Med: 7.26 Max: 23.6
Current: 9.84
0.97
23.6
POCF 8.36
FMAO's POCF is ranked higher than
52% of the 968 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. FMAO: 8.36 )
Ranked among companies with meaningful POCF only.
FMAO' s POCF Range Over the Past 10 Years
Min: 0.94  Med: 6.26 Max: 21.44
Current: 8.36
0.94
21.44
EV-to-EBIT 7.64
FMAO's EV-to-EBIT is ranked higher than
76% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. FMAO: 7.64 )
Ranked among companies with meaningful EV-to-EBIT only.
FMAO' s EV-to-EBIT Range Over the Past 10 Years
Min: -12.3  Med: 7.25 Max: 15.1
Current: 7.64
-12.3
15.1
EV-to-EBITDA 6.69
FMAO's EV-to-EBITDA is ranked higher than
77% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.84 vs. FMAO: 6.69 )
Ranked among companies with meaningful EV-to-EBITDA only.
FMAO' s EV-to-EBITDA Range Over the Past 10 Years
Min: -10.3  Med: 6.20 Max: 14.3
Current: 6.69
-10.3
14.3
PEG 1.81
FMAO's PEG is ranked lower than
68% of the 751 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. FMAO: 1.81 )
Ranked among companies with meaningful PEG only.
FMAO' s PEG Range Over the Past 10 Years
Min: 0.03  Med: 1.75 Max: 5.86
Current: 1.81
0.03
5.86
Shiller P/E 9.90
FMAO's Shiller P/E is ranked higher than
87% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.55 vs. FMAO: 9.90 )
Ranked among companies with meaningful Shiller P/E only.
FMAO' s Shiller P/E Range Over the Past 10 Years
Min: 2.1  Med: 3.09 Max: 10.26
Current: 9.9
2.1
10.26

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.12
FMAO's Dividend Yield is ranked higher than
51% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. FMAO: 3.12 )
Ranked among companies with meaningful Dividend Yield only.
FMAO' s Dividend Yield Range Over the Past 10 Years
Min: 0.64  Med: 3.62 Max: 4.74
Current: 3.12
0.64
4.74
Dividend Payout 0.39
FMAO's Dividend Payout is ranked lower than
59% of the 1286 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: 0.67
Current: 0.39
0.01
0.67
Dividend Growth (3y) 3.70
FMAO's Dividend Growth (3y) is ranked lower than
67% of the 755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. FMAO: 3.70 )
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: 3.7
0
17
Forward Dividend Yield 3.23
FMAO's Forward Dividend Yield is ranked lower than
51% of the 2124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. FMAO: 3.23 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.71
FMAO's Yield on cost (5-Year) is ranked higher than
51% of the 2499 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. FMAO: 3.71 )
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: 0.76  Med: 4.30 Max: 5.63
Current: 3.71
0.76
5.63
3-Year Average Share Buyback Ratio 0.50
FMAO's 3-Year Average Share Buyback Ratio is ranked higher than
82% of the 1081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. FMAO: 0.50 )
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: -0.80 Max: 3.7
Current: 0.5
-20.9
3.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.12
FMAO's Price/Tangible Book is ranked lower than
53% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. FMAO: 1.12 )
Ranked among companies with meaningful Price/Tangible Book only.
FMAO' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.84  Med: 1.07 Max: 1.42
Current: 1.12
0.84
1.42
Price/Projected FCF 0.56
FMAO's Price/Projected FCF is ranked higher than
61% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 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: 0.76
Current: 0.56
0.03
0.76
Price/Median PS Value 1.30
FMAO's Price/Median PS Value is ranked lower than
83% of the 1572 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 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: 0.14  Med: 1.00 Max: 1.3
Current: 1.3
0.14
1.3
Price/Graham Number 0.79
FMAO's Price/Graham Number is ranked higher than
52% of the 1440 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. FMAO: 0.79 )
Ranked among companies with meaningful Price/Graham Number only.
FMAO' s Price/Graham Number Range Over the Past 10 Years
Min: 0.16  Med: 0.69 Max: 0.81
Current: 0.79
0.16
0.81
Earnings Yield (Greenblatt) (%) 13.06
FMAO's Earnings Yield (Greenblatt) (%) is ranked higher than
78% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. FMAO: 13.06 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FMAO' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 6.6  Med: 13.70 Max: 87.7
Current: 13.06
6.6
87.7
Forward Rate of Return (Yacktman) (%) 15.41
FMAO's Forward Rate of Return (Yacktman) (%) is ranked higher than
56% of the 874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.27 vs. FMAO: 15.41 )
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: -24.6  Med: 17.80 Max: 176.3
Current: 15.41
-24.6
176.3

More Statistics

Revenue (TTM) (Mil) $41.65
EPS (TTM) $ 2.27
Beta-0.08
Short Percentage of Float0.00%
52-Week Range $25.50 - 28.95
Shares Outstanding (Mil)4.61

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 2.30 2.38
EPS w/o NRI ($) 2.30 2.38
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» More Articles for FMAO

Headlines

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

More From Other Websites
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Farmers & Merchants Bancorp, Inc. (Ohio) :FMAO-US: Earnings Analysis: Q1, 2016 By the Numbers May 05 2016
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FARMERS & MERCHANTS BANCORP INC Files SEC form 10-Q, Quarterly Report Apr 27 2016
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FARMERS & MERCHANTS BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 20 2016
Farmers & Merchants posts 1Q profit Apr 20 2016
Farmers & Merchants posts 1Q profit Apr 20 2016
Farmers & Merchants Bancorp, Inc. Reports 2016 First-Quarter Financial Results Apr 20 2016
FARMERS & MERCHANTS BANCORP INC Files SEC form 8-K, Submission of Matters to a Vote of Security... Apr 18 2016
Farmers & Merchants Bancorp, Inc. Declares 2016 First Quarter Dividend Mar 18 2016
FARMERS & MERCHANTS BANCORP INC Files SEC form 10-K, Annual Report Feb 24 2016
Farmers & Merchants Bancorp, Inc. Presentation Now Available for On-Demand Viewing at OTCQX Banks... Feb 08 2016
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