FMFG'
s OCF Margin % Range Over the Past 10 Years
Min: 10.51 Med: 28.16 Max: 47.41
Current: 27.56
During the past 10 years, the highest OCF Margin % of Farmers and Merchants Bancshares (MD) was 47.41%. The lowest was 10.51%. And the median was 28.16%.
FMFG's OCF Margin % is ranked worse than 53.76% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs FMFG: 27.56
Farmers and Merchants Bancshares (MD) OCF Margin % Related Terms
Farmers and Merchants Bancshares (MD) OCF Margin % Historical Data
* 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 and Merchants Bancshares (MD) OCF Margin % Chart
For the Banks - Regional subindustry, Farmers and Merchants Bancshares (MD)'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 and Merchants Bancshares (MD) OCF Margin % vs Banks Industry
* 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 and Merchants Bancshares (MD) (FMFG) has a OCF Margin % of 27.78% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Farmers and Merchants Bancshares (MD) and its competitors. This is near median its historical median of 28.16. Over the past decade, Farmers and Merchants Bancshares (MD)'s OCF Margin % has ranged from 10.51 to 47.41. According to the industry distribution chart, Farmers and Merchants Bancshares (MD) ranks #807 out of 1501 companies in the Banks industry, placing it in the top 53.8%.
Is Farmers and Merchants Bancshares (MD)'s OCF Margin % too high?
Farmers and Merchants Bancshares (MD)'s current OCF Margin % of 27.78% is near median its 10-year median of 28.16. Over the past 10 years, this metric has ranged from a low of 10.51 to a high of 47.41. The Banks industry median OCF Margin % is 29.44. Farmers and Merchants Bancshares (MD)'s value of 27.78% is 5.6% below this industry median. Based on the distribution chart, Farmers and Merchants Bancshares (MD) ranks #807 out of 1501 companies in the Banks industry, which is below the industry midpoint. Overall, Farmers and Merchants Bancshares (MD) has a GF Scoreâ„¢ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Farmers and Merchants Bancshares (MD)'s OCF Margin % compare to FFBW and BBBK?
According to the Banks industry distribution chart, Farmers and Merchants Bancshares (MD) ranks #807 out of 1501 companies for OCF Margin %. This places Farmers and Merchants Bancshares (MD) in the lower half of its industry. The industry median OCF Margin % is 29.44. Farmers and Merchants Bancshares (MD)'s value of 27.78% is 5.6% below this benchmark. Historically, Farmers and Merchants Bancshares (MD)'s own OCF Margin % has ranged from 10.51 to 47.41 over the past decade. While the company's 10-year median is 28.16 vs. the industry median of 29.44, Farmers and Merchants Bancshares (MD) has consistently been below 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 29.44, based on 1,501 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 and Merchants Bancshares (MD)'s current OCF Margin % of 27.78% is 5.6% below 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 and Merchants Bancshares (MD) and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Farmers and Merchants Bancshares (MD)'s current OCF Margin % is 27.78%, which is near median its own 10-year median of 28.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Farmers and Merchants Bancshares (MD) stock overvalued right now?
Based on GuruFocus' analysis, Farmers and Merchants Bancshares (MD) (FMFG) is currently considered Fairly Valued. The stock's GF Value™ is $18.78, compared to a current price of $17.75 — trading 5.5% below its estimated fair value. The current OCF Margin % is 27.78%, which is near median its 10-year median of 28.16 and 5.6% below the Banks industry median of 29.44. Farmers and Merchants Bancshares (MD)'s overall GF Score™ is 64/100 with 4 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 and Merchants Bancshares (MD) (FMFG), the current OCF Margin % is 27.78% as of Mar. 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 and Merchants Bancshares (MD) (FMFG) Overvalued in 2026?
Based on GuruFocus' analysis, Farmers and Merchants Bancshares (MD) stock appears to be undervalued.
The current stock price of $17.75 is trading 5.5% below its estimated GF Value™ of $18.78.
GuruFocus considers Farmers and Merchants Bancshares (MD) to be Fairly Valued.
Key valuation signals for FMFG:
OCF Margin %: 27.78% (near median its 10-year median of 28.16)
GF Value™: $18.78 vs. price of $17.75 (5.5% below fair value)
Industry Position: 5.6% below the Banks median (#807 of 1501)
No single metric tells the full story. See the FMFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Farmers and Merchants Bancshares (MD) Business Description
Farmers and Merchants Bancshares Inc (MD) is an independent community bank, offering a broad range of financial services. The Bank provides banking services to individuals and businesses located in Baltimore County, Maryland, Carroll County, Maryland, and surrounding areas of northern Maryland. It provides Personal, Business, and Electronic banking services.
64GF Score
Get the complete analysis for FMFG
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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