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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 3.12
FMAO's Cash-to-Debt is ranked higher than
56% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.05 vs. FMAO: 3.12 )
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: 3.12
Equity-to-Asset 0.12
FMAO's Equity-to-Asset is ranked higher than
68% of the 1624 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
Debt-to-Equity 0.08
FMAO's Debt-to-Equity is ranked higher than
92% of the 1247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. FMAO: 0.08 )
Ranked among companies with meaningful Debt-to-Equity only.
FMAO' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.04  Med: 0.33 Max: 1.06
Current: 0.08
0.04
1.06
Debt-to-EBITDA 0.51
FMAO's Debt-to-EBITDA is ranked higher than
91% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.03 vs. FMAO: 0.51 )
Ranked among companies with meaningful Debt-to-EBITDA only.
FMAO' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.31  Med: 1.25 Max: 4.21
Current: 0.51
0.31
4.21
Interest Coverage 3.73
FMAO's Interest Coverage is ranked higher than
73% of the 1562 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. FMAO: 3.73 )
Ranked among companies with meaningful Interest Coverage only.
FMAO' s Interest Coverage Range Over the Past 10 Years
Min: 0.49  Med: 1.8 Max: 3.95
Current: 3.73
0.49
3.95
Beneish M-Score: -2.40
WACC vs ROIC
5.04%
11.63%
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 : 6/10

vs
industry
vs
history
Operating Margin % 37.56
FMAO's Operating Margin % is ranked higher than
63% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 32.07 vs. FMAO: 37.56 )
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: 37.56
Current: 37.56
25.15
37.56
Net Margin % 26.83
FMAO's Net Margin % is ranked higher than
63% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.99 vs. FMAO: 26.83 )
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: 26.83
Current: 26.83
18.49
26.83
ROE % 9.55
FMAO's ROE % is ranked higher than
58% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. FMAO: 9.55 )
Ranked among companies with meaningful ROE % only.
FMAO' s ROE % Range Over the Past 10 Years
Min: 7.17  Med: 8.57 Max: 9.55
Current: 9.55
7.17
9.55
ROA % 1.17
FMAO's ROA % is ranked higher than
70% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. FMAO: 1.17 )
Ranked among companies with meaningful ROA % only.
FMAO' s ROA % Range Over the Past 10 Years
Min: 0.79  Med: 0.97 Max: 1.17
Current: 1.17
0.79
1.17
3-Year Revenue Growth Rate 6.60
FMAO's 3-Year Revenue Growth Rate is ranked higher than
62% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. FMAO: 6.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FMAO' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -20.1  Med: 4.55 Max: 51.7
Current: 6.6
-20.1
51.7
3-Year EBITDA Growth Rate 9.00
FMAO's 3-Year EBITDA Growth Rate is ranked higher than
58% of the 1396 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. FMAO: 9.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
FMAO' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -17.7  Med: 1.3 Max: 12.3
Current: 9
-17.7
12.3
3-Year EPS without NRI Growth Rate 9.40
FMAO's 3-Year EPS without NRI Growth Rate is ranked higher than
58% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FMAO: 9.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FMAO' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -62  Med: 8.75 Max: 73.6
Current: 9.4
-62
73.6
GuruFocus has detected 4 Warning Signs with Farmers & Merchants Bancorp Inc FMAO.
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» FMAO's 30-Y Financials

Financials (Next Earnings Date: 2017-10-19 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6035
Compare:NAS:SMMF, NAS:PCSB, NAS:FNLC, NAS:WNEB, NAS:FFKT, NAS:GNTY, NAS:NKSH, NAS:MCBC, NAS:PFIS, NAS:PBNC, NAS:BFIN, NAS:RBB, NAS:CZNC, NAS:AMNB, NAS:OLBK, NAS:BLMT, NAS:MFSF, OTCPK:CATC, NAS:BSRR, NAS:ATLO » details
Traded in other countries:FMBA.USA,
Headquarter Location:USA
Farmers & Merchants Bancorp is a bank holding company. It is involved in providing financial services through its bank especially retail and corporate banking services.

Farmers & Merchants Bancorp is a holding company for Farmers & Merchants Bank of Central California. Operating primarily in the United States, it caters to its commercial market with credit card programs for merchants, lockbox and other collection services, account reconciliation, investment sweep and online account access. It also offers a range of retail banking services to small and medium-sized businesses and individuals. The interests received on lending to the commercial and retail market forms the basis of the bank's primary revenue. The company's primary service area is the mid-Central Valley of California, including Sacramento, San Joaquin, Stanislaus and Merced counties, where it operates close to 20 full-service branches.

Top Ranked Articles about Farmers & Merchants Bancorp Inc

Farmers & Merchants Bancorp, Inc. Raises Third-Quarter Cash Dividend Payment by 4.0% to $0.26 per share
The Board of Directors of Farmers & Merchants Bancorp, Inc. Declares a Two-for-One Stock Split
SHAREHOLDER ALERT: Purcell Julie & Lefkowitz LLP Is Investigating Farmers & Merchants Bancorp, Inc. for Potential Breaches Of Fiduciary Duty By Its Board of Directors
Farmers & Merchants Bancorp, Inc. Announces Listing on The NASDAQ Stock Market LLC
Farmers & Merchants Bancorp, Inc. Ranked in Top 200 Publicly Traded Community Banks and Thrifts List by American Banker Magazine
Farmers & Merchants Bancorp, Inc. Declares 2017 First-Quarter Cash Dividend Payment

ARCHBOLD, Ohio, March 17, 2017 (GLOBE NEWSWIRE) -- The Board of Directors of Farmers & Merchants Bancorp, Inc., (OTCQX:FMAO) the holding company of The Farmers & Merchants State Bank, with assets of approximately $1.1 billion at December 31, 2016, declared the 2017 first-quarter cash dividend of $0.23 per share.  The first quarter dividend is payable on April 20, 2017 to shareholders of record as of March 28, 2017. About Farmer & Merchants State Bank:
The Farmers & Merchants State Bank is a local independent community bank that has been serving Northwest Ohio and Northeast Indiana since 1897.  The Farmers & Merchants State Bank provides commercial banking, retail banking and other financial services through its 24 offices.  Our locations are in Fulton, Defiance, Henry, Lucas, Williams, and Wood counties in northwest Ohio.  In Northeast Indiana we have offices located in Allen, DeKalb and Steuben counties. Safe harbor statement
Farmers & Merchants Bancorp, Inc. ("F&M") wishes to take advantage of the Safe Harbor provisions included in the Private Securities Litigation Reform Act of 1995. Statements by F&M, including management's expectations and comments, may not be based on historical facts and are "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21B of the Securities Act of 1934, as amended. Actual results could vary materially depending on risks and uncertainties inherent in general and local banking conditions, competitive factors specific to markets in which F&M and its subsidiaries operate, future interest rate levels, legislative and regulatory decisions or capital market conditions. F&M assumes no responsibility to update this information. For more details, please refer to F&M's SEC filing, including its most recent Annual Report on Form 10-K and quarterly reports on Form 10-Q. Such filings can be viewed at the SEC's website, www.sec.gov.
Company Contact:
Marty Filogamo
Senior Vice President – Marketing Manager
Farmers & Merchants Bancorp, Inc.
(419) 445-3501 ext. 15435
[email protected]

Investor and Media Contact:
Andrew M. Berger
Managing Director
SM Berger & Company, Inc.
(216) 464-6400
[email protected]

Read more...

Ratios

vs
industry
vs
history
PE Ratio 31.44
FMAO's PE Ratio is ranked lower than
87% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. FMAO: 31.44 )
Ranked among companies with meaningful PE Ratio only.
FMAO' s PE Ratio Range Over the Past 10 Years
Min: 0.4  Med: 11.84 Max: 31.98
Current: 31.44
0.4
31.98
Forward PE Ratio 29.41
FMAO's Forward PE Ratio is ranked lower than
97% of the 372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. FMAO: 29.41 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 31.21
FMAO's PE Ratio without NRI is ranked lower than
87% of the 1531 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.75 vs. FMAO: 31.21 )
Ranked among companies with meaningful PE Ratio without NRI only.
FMAO' s PE Ratio without NRI Range Over the Past 10 Years
Min: 0.4  Med: 11.7 Max: 31.63
Current: 31.21
0.4
31.63
Price-to-Owner-Earnings 26.88
FMAO's Price-to-Owner-Earnings is ranked lower than
79% of the 922 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.44 vs. FMAO: 26.88 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FMAO' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.32  Med: 11.43 Max: 322.58
Current: 26.88
2.32
322.58
PB Ratio 2.95
FMAO's PB Ratio is ranked lower than
92% of the 1636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. FMAO: 2.95 )
Ranked among companies with meaningful PB Ratio only.
FMAO' s PB Ratio Range Over the Past 10 Years
Min: 0.78  Med: 1.02 Max: 2.98
Current: 2.95
0.78
2.98
PS Ratio 8.42
FMAO's PS Ratio is ranked lower than
90% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. FMAO: 8.42 )
Ranked among companies with meaningful PS Ratio only.
FMAO' s PS Ratio Range Over the Past 10 Years
Min: 0.82  Med: 2.62 Max: 8.54
Current: 8.42
0.82
8.54
Price-to-Free-Cash-Flow 24.90
FMAO's Price-to-Free-Cash-Flow is ranked lower than
82% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.78 vs. FMAO: 24.90 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FMAO' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.97  Med: 8.13 Max: 25.23
Current: 24.9
3.97
25.23
Price-to-Operating-Cash-Flow 22.79
FMAO's Price-to-Operating-Cash-Flow is ranked lower than
83% of the 957 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.35 vs. FMAO: 22.79 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FMAO' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.45  Med: 7.11 Max: 23.1
Current: 22.79
3.45
23.1
EV-to-EBIT 21.26
FMAO's EV-to-EBIT is ranked lower than
66% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. FMAO: 21.26 )
Ranked among companies with meaningful EV-to-EBIT only.
FMAO' s EV-to-EBIT Range Over the Past 10 Years
Min: -12.3  Med: 7.7 Max: 21.6
Current: 21.26
-12.3
21.6
EV-to-EBITDA 18.63
FMAO's EV-to-EBITDA is ranked lower than
64% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.38 vs. FMAO: 18.63 )
Ranked among companies with meaningful EV-to-EBITDA only.
FMAO' s EV-to-EBITDA Range Over the Past 10 Years
Min: -10.3  Med: 6.7 Max: 18.9
Current: 18.63
-10.3
18.9
EV-to-Revenue 7.98
FMAO's EV-to-Revenue is ranked lower than
75% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.22 vs. FMAO: 7.98 )
Ranked among companies with meaningful EV-to-Revenue only.
FMAO' s EV-to-Revenue Range Over the Past 10 Years
Min: -3.1  Med: 2.5 Max: 8.1
Current: 7.98
-3.1
8.1
PEG Ratio 5.26
FMAO's PEG Ratio is ranked lower than
83% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.52 vs. FMAO: 5.26 )
Ranked among companies with meaningful PEG Ratio only.
FMAO' s PEG Ratio Range Over the Past 10 Years
Min: 0.1  Med: 1.98 Max: 8.47
Current: 5.26
0.1
8.47

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.16
FMAO's Dividend Yield % is ranked lower than
81% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. FMAO: 1.16 )
Ranked among companies with meaningful Dividend Yield % only.
FMAO' s Dividend Yield % Range Over the Past 10 Years
Min: 1.11  Med: 3.54 Max: 4.74
Current: 1.16
1.11
4.74
Dividend Payout Ratio 0.35
FMAO's Dividend Payout Ratio is ranked lower than
54% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. FMAO: 0.35 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FMAO' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.32  Med: 0.41 Max: 0.6
Current: 0.35
0.32
0.6
3-Year Dividend Growth Rate 4.00
FMAO's 3-Year Dividend Growth Rate is ranked lower than
61% of the 820 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. FMAO: 4.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
FMAO' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -28.9  Med: 4.55 Max: 66
Current: 4
-28.9
66
Forward Dividend Yield % 1.27
FMAO's Forward Dividend Yield % is ranked lower than
82% of the 2240 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. FMAO: 1.27 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.42
FMAO's 5-Year Yield-on-Cost % is ranked lower than
81% of the 2723 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. FMAO: 1.42 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FMAO' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.36  Med: 4.26 Max: 5.68
Current: 1.42
1.36
5.68
3-Year Average Share Buyback Ratio 0.10
FMAO's 3-Year Average Share Buyback Ratio is ranked higher than
79% of the 1129 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.20 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: -0.5 Max: 3.7
Current: 0.1
-20.9
3.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 3.09
FMAO's Price-to-Tangible-Book is ranked lower than
90% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FMAO: 3.09 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FMAO' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.84  Med: 1.09 Max: 3.09
Current: 3.09
0.84
3.09
Price-to-Intrinsic-Value-Projected-FCF 1.58
FMAO's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
83% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. FMAO: 1.58 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FMAO' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.09  Med: 0.55 Max: 1.58
Current: 1.58
0.09
1.58
Price-to-Intrinsic-Value-DCF (Earnings Based) 2.92
FMAO's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
99% of the 154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. FMAO: 2.92 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
FMAO' s Price-to-Intrinsic-Value-DCF (Earnings Based) Range Over the Past 10 Years
Min: 1.28  Med: 1.49 Max: 2.16
Current: 2.92
1.28
2.16
Price-to-Median-PS-Value 3.22
FMAO's Price-to-Median-PS-Value is ranked lower than
96% of the 1469 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. FMAO: 3.22 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FMAO' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.34  Med: 1.02 Max: 3.22
Current: 3.22
0.34
3.22
Price-to-Graham-Number 2.07
FMAO's Price-to-Graham-Number is ranked lower than
93% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. FMAO: 2.07 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FMAO' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.15  Med: 0.72 Max: 2.07
Current: 2.07
0.15
2.07
Earnings Yield (Greenblatt) % 4.70
FMAO's Earnings Yield (Greenblatt) % is ranked higher than
50% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.51 vs. FMAO: 4.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FMAO' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -8.9  Med: 12.8 Max: 34.8
Current: 4.7
-8.9
34.8
Forward Rate of Return (Yacktman) % 8.30
FMAO's Forward Rate of Return (Yacktman) % is ranked lower than
58% of the 981 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.33 vs. FMAO: 8.30 )
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: -5.3  Med: 17.9 Max: 255.6
Current: 8.3
-5.3
255.6

More Statistics

Revenue (TTM) (Mil) $45.74
EPS (TTM) $ 1.33
Beta0.34
Short Percentage of Float5.11%
52-Week Range $15.85 - 43.90
Shares Outstanding (Mil)9.24

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.35 1.39
EPS without NRI ($) 1.35 1.39
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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