FMAO (Farmers & Merchants Bancorp) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FMAO Farmers & Merchants Bancorp Inc FMAO
63 GF Score
Price $33.50
GF Value $29.13
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Farmers & Merchants Bancorp Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Farmers & Merchants Bancorp Quality Rank Related Terms

FMAO
63GF Score
Farmers & Merchants Bancorp Inc FMAO
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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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 $33.50 is trading 15% above its estimated GF Value™ of $29.13. GuruFocus considers Farmers & Merchants Bancorp to be Modestly Overvalued.

Key valuation signals for FMAO:

  • Quality Rank:
  • GF Value™: $29.13 vs. price of $33.50 (15% 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

Get the complete analysis for FMAO

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

$33.50
Price
$29.13
GF Value