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FMFG's 5-Year Yield-on-Cost % is ranked better than 83.11% of 1255
companies
in the Banks industry
Industry Median: 3.86
vs FMFG: 7.97
Farmers and Merchants Bancshares (MD) (OTCPK:FMFG) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Farmers and Merchants Bancshares (MD) 5-Year Yield-on-Cost % Related Terms
FMFG vs BAOB, CEFC, BBBK: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Farmers and Merchants Bancshares (MD)'s 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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) 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Farmers and Merchants Bancshares (MD)'s 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Farmers and Merchants Bancshares (MD)'s 5-Year Yield-on-Cost % falls into.
Farmers and Merchants Bancshares (MD) 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Farmers and Merchants Bancshares (MD) (FMFG) has a 5-Year Yield-on-Cost % of 7.97 as of Jul. 20, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Farmers and Merchants Bancshares (MD) and its competitors. This is near median its historical median of 8.18. Over the past decade, Farmers and Merchants Bancshares (MD)'s 5-Year Yield-on-Cost % has ranged from 2.86 to 10.39. According to the industry distribution chart, Farmers and Merchants Bancshares (MD) ranks #212 out of 1255 companies in the Banks industry, placing it in the top 16.9%.
Is Farmers and Merchants Bancshares (MD)'s 5-Year Yield-on-Cost % too high?
Farmers and Merchants Bancshares (MD)'s current 5-Year Yield-on-Cost % of 7.97 is near median its 10-year median of 8.18. Over the past 10 years, this metric has ranged from a low of 2.86 to a high of 10.39. The Banks industry median 5-Year Yield-on-Cost % is 3.86. Farmers and Merchants Bancshares (MD)'s value of 7.97 is 106.5% above this industry median. Based on the distribution chart, Farmers and Merchants Bancshares (MD) ranks #212 out of 1255 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Farmers and Merchants Bancshares (MD) has a GF Score™ 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 5-Year Yield-on-Cost % compare to BAOB and CEFC?
According to the Banks industry distribution chart, Farmers and Merchants Bancshares (MD) ranks #212 out of 1255 companies for 5-Year Yield-on-Cost %. This places Farmers and Merchants Bancshares (MD) in the top 17% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.86. Farmers and Merchants Bancshares (MD)'s value of 7.97 is 106.5% above this benchmark. Historically, Farmers and Merchants Bancshares (MD)'s own 5-Year Yield-on-Cost % has ranged from 2.86 to 10.39 over the past decade. While the company's 10-year median is 8.18 vs. the industry median of 3.86, Farmers and Merchants Bancshares (MD) 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.86, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Farmers and Merchants Bancshares (MD)'s current 5-Year Yield-on-Cost % of 7.97 is 106.5% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Farmers and Merchants Bancshares (MD) and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Farmers and Merchants Bancshares (MD)'s current 5-Year Yield-on-Cost % is 7.97, which is near median its own 10-year median of 8.18. 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 $18.76, compared to a current price of $19.01 — trading 1.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 7.97, which is near median its 10-year median of 8.18 and 106.5% above the Banks industry median of 3.86. Farmers and Merchants Bancshares (MD)'s overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Farmers and Merchants Bancshares (MD) (FMFG), the current 5-Year Yield-on-Cost % is 7.97 as of Jul. 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 and Merchants Bancshares (MD) (FMFG) Overvalued in 2026?
Based on GuruFocus' analysis, Farmers and Merchants Bancshares (MD) stock appears to be overvalued.
The current stock price of $19.01 is trading 1.3% above its estimated GF Value™ of $18.76.
GuruFocus considers Farmers and Merchants Bancshares (MD) to be Fairly Valued.
Key valuation signals for FMFG:
5-Year Yield-on-Cost %: 7.97 (near median its 10-year median of 8.18)
GF Value™: $18.76 vs. price of $19.01 (1.3% above fair value)
Industry Position: 106.5% above the Banks median (#212 of 1255)
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
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