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Farmers & Merchants BancorpFMAO -1.04%63 OCF Margin % is 32.52% as of Jun. 2026, which is 6% below its 10-year median of 34.70. 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. Among 1,495 Banks companies, Farmers & Merchants Bancorp ranks better than 56.92% on this metric.
* 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.
For the Banks - Regional subindustry, Farmers & Merchants Bancorp's OCF Margin %, along with its competitors' market caps and OCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Farmers & Merchants Bancorp OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Farmers & Merchants Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Farmers & Merchants Bancorp's OCF Margin % falls into.
* 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 (FMAO) has a OCF Margin % of 32.52% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Farmers & Merchants Bancorp and its competitors. This is near median its historical median of 34.70. Over the past decade, Farmers & Merchants Bancorp's OCF Margin % has ranged from 21.76 to 40.96. According to the industry distribution chart, Farmers & Merchants Bancorp ranks #644 out of 1495 companies in the Banks industry, placing it in the top 43.1%.
Is Farmers & Merchants Bancorp's OCF Margin % too high?
Farmers & Merchants Bancorp's current OCF Margin % of 32.52% is near median its 10-year median of 34.70. Over the past 10 years, this metric has ranged from a low of 21.76 to a high of 40.96. The Banks industry median OCF Margin % is 30.43. Farmers & Merchants Bancorp's value of 32.52% is 6.9% above this industry median. Based on the distribution chart, Farmers & Merchants Bancorp ranks #644 out of 1495 companies in the Banks industry, which is above the industry midpoint. 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 OCF Margin % compare to PLBC and NEWT?
According to the Banks industry distribution chart, Farmers & Merchants Bancorp ranks #644 out of 1495 companies for OCF Margin %. This puts Farmers & Merchants Bancorp in the upper half of its industry. The industry median OCF Margin % is 30.43. Farmers & Merchants Bancorp's value of 32.52% is 6.9% above this benchmark. Historically, Farmers & Merchants Bancorp's own OCF Margin % has ranged from 21.76 to 40.96 over the past decade. While the company's 10-year median is 34.70 vs. the industry median of 30.43, Farmers & Merchants Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 30.43, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Farmers & Merchants Bancorp's current OCF Margin % of 32.52% is 6.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Farmers & Merchants Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 30.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Farmers & Merchants Bancorp's current OCF Margin % is 32.52%, which is near median its own 10-year median of 34.70. 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 $33.21 — trading 14% above its estimated fair value. The current OCF Margin % is 32.52%, which is near median its 10-year median of 34.70 and 6.9% above the Banks industry median of 30.43. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Farmers & Merchants Bancorp (FMAO), the current OCF Margin % is 32.52% 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 $33.21 is trading 14% above its estimated GF Value™ of $29.13.
GuruFocus considers Farmers & Merchants Bancorp to be Modestly Overvalued.
Key valuation signals for FMAO:
OCF Margin %: 32.52% (near median its 10-year median of 34.70)
GF Value™: $29.13 vs. price of $33.21 (14% above fair value)
Industry Position: 6.9% above the Banks median (#644 of 1495)
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 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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