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Farmers & Merchants BancorpFMAO +0.54%63 OCF Yield % is 9.27 as of Aug. 20, 2026, which is 13% above its 10-year median of 8.20. 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 1,494 Banks companies, Farmers & Merchants Bancorp ranks better than 50.33% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Farmers & Merchants Bancorp OCF Yield % Related Terms
Farmers & Merchants Bancorp OCF Yield % 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.
For the Banks - Regional subindustry, Farmers & Merchants Bancorp's OCF Yield %, along with its competitors' market caps and OCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Farmers & Merchants Bancorp's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Farmers & Merchants Bancorp's OCF Yield % 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 Yield % of 9.27 as of Aug. 20, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Farmers & Merchants Bancorp and its competitors. This is 13% above median its historical median of 8.20. Over the past decade, Farmers & Merchants Bancorp's OCF Yield % has ranged from 2.53 to 15.28. According to the industry distribution chart, Farmers & Merchants Bancorp ranks #742 out of 1494 companies in the Banks industry, placing it in the top 49.7%.
Is Farmers & Merchants Bancorp's OCF Yield % too high?
Farmers & Merchants Bancorp's current OCF Yield % of 9.27 is 13% above median its 10-year median of 8.20. Over the past 10 years, this metric has ranged from a low of 2.53 to a high of 15.28. The Banks industry median OCF Yield % is 9.29. Farmers & Merchants Bancorp's value of 9.27 is 0.2% below this industry median. Based on the distribution chart, Farmers & Merchants Bancorp ranks #742 out of 1494 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 Yield % compare to PLBC and NEWT?
According to the Banks industry distribution chart, Farmers & Merchants Bancorp ranks #742 out of 1494 companies for OCF Yield %. This puts Farmers & Merchants Bancorp in the upper half of its industry. The industry median OCF Yield % is 9.29. Farmers & Merchants Bancorp's value of 9.27 is 0.2% below this benchmark. Historically, Farmers & Merchants Bancorp's own OCF Yield % has ranged from 2.53 to 15.28 over the past decade. While the company's 10-year median is 8.20 vs. the industry median of 9.29, Farmers & Merchants Bancorp 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 Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.29, based on 1,494 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Farmers & Merchants Bancorp's current OCF Yield % of 9.27 is 0.2% 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 Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Farmers & Merchants Bancorp and its competitors. For the Banks industry, the median OCF Yield % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Farmers & Merchants Bancorp's current OCF Yield % is 9.27, which is 13% above median its own 10-year median of 8.20. 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 $33.74 — trading 15.8% above its estimated fair value. The current OCF Yield % is 9.27, which is 13% above median its 10-year median of 8.20 and 0.2% below the Banks industry median of 9.29. 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 Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Farmers & Merchants Bancorp (FMAO), the current OCF Yield % is 9.27 as of Aug. 20, 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 $33.74 is trading 15.8% above its estimated GF Value™ of $29.13.
GuruFocus considers Farmers & Merchants Bancorp to be Modestly Overvalued.
Key valuation signals for FMAO:
OCF Yield %: 9.27 (13% above median its 10-year median of 8.20)
GF Value™: $29.13 vs. price of $33.74 (15.8% above fair value)
Industry Position: 0.2% below the Banks median (#742 of 1494)
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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