FMAO (Farmers & Merchants Bancorp) Net Loan: $2,680.1 Mil (As of Jun. 2026)

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FMAO Farmers & Merchants Bancorp Inc FMAO
63 GF Score
Price $33.37
GF Value $29.13
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Farmers & Merchants Bancorp Net Loan?

Farmers & Merchants Bancorp FMAO -0.57% 63 Net Loan is $2,680.1 Mil as of Jun. 2026. GuruFocus rates FMAO with a GF Score™ of 63/100 and a GF Value™ of $29.13 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Farmers & Merchants Bancorp's quarterly net loan declined from Dec. 2025 ($2,689.9 Mil) to Mar. 2026 ($2,659.7 Mil) but then increased from Mar. 2026 ($2,659.7 Mil) to Jun. 2026 ($2,680.1 Mil).

Farmers & Merchants Bancorp's annual net loan declined from Dec. 2023 ($2,557.7 Mil) to Dec. 2024 ($2,659.7 Mil) but then increased from Dec. 2024 ($2,659.7 Mil) to Dec. 2025 ($2,680.1 Mil).

Farmers & Merchants Bancorp Net Loan Historical Data

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The historical data trend for Farmers & Merchants Bancorp's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Farmers & Merchants Bancorp Net Loan Chart

Farmers & Merchants Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,848.89 2,336.90 2,557.74 2,539.04 2,689.92

Farmers & Merchants Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2,606.28 2,635.67 2,689.92 2,659.71 2,680.07
FMAO
63GF Score
Farmers & Merchants Bancorp Inc FMAO
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Farmers & Merchants Bancorp Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $2,680.1 Mil mean?
Farmers & Merchants Bancorp (FMAO) has a Net Loan of $2,680.1 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Farmers & Merchants Bancorp and its competitors.
Is Farmers & Merchants Bancorp's Net Loan too high?
Farmers & Merchants Bancorp's current Net Loan is $2,680.1 Mil. Overall, Farmers & Merchants Bancorp has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Farmers & Merchants Bancorp's Net Loan compare to PLBC and NEWT?
Farmers & Merchants Bancorp's Net Loan of $2,680.1 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Farmers & Merchants Bancorp and its competitors. Farmers & Merchants Bancorp's current Net Loan is $2,680.1 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Farmers & Merchants Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Farmers & Merchants Bancorp (FMAO) is currently considered Modestly Overvalued. The stock's GF Value™ is $29.13, compared to a current price of $33.37 — trading 14.6% above its estimated fair value. The current Net Loan is $2,680.1 Mil. Farmers & Merchants Bancorp's overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Farmers & Merchants Bancorp (FMAO), the current Net Loan is $2,680.1 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Farmers & Merchants Bancorp (FMAO) Overvalued in 2026?

Based on GuruFocus' analysis, Farmers & Merchants Bancorp stock appears to be overvalued. The current stock price of $33.37 is trading 14.6% above its estimated GF Value™ of $29.13. GuruFocus considers Farmers & Merchants Bancorp to be Modestly Overvalued.

Key valuation signals for FMAO:

  • Net Loan: $2,680.1 Mil
  • GF Value™: $29.13 vs. price of $33.37 (14.6% above fair value)
  • GF Score™: 63/100 with 5 warning signs

No single metric tells the full story. See the FMAO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Farmers & Merchants Bancorp Business Description

Address 307 North Defiance Street, Archbold, OH, USA, 43502
Farmers & Merchants Bancorp Inc is a holding company based in Ohio. The company is engaged in one segment which is commercial banking. The activities of the company include commercial, agricultural and residential mortgages as well as consumer and credit card lending activities.
63GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$33.37
Price
$29.13
GF Value