Price
No data yet.
Social Signal Score
Revenue
$50.75M+305.65%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Lars Eller
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 477
- Beta
- 0.80
- Country
- US
- Piotroski score
- 8 / 9 (Strong)
- Altman Z-score
- 0.36
Financials
Revenue
$50.75M+305.7%Net Income
$11.80M+291.3%EBITDA
$14.77M+210.4%Free Cash Flow
$11.46M+119.5%EPS (diluted)
$0.86+160.6%Shares Outstanding (diluted)
13.79M+48.7%Operating Expenses
$13.24MCash & Debt
$155.88MReturn of Capital
$3.17MRevenue by Segment (annual)
$6.41MDividend per Share
$0.23Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $189.09M | $33.31M | $3.41 |
| 2024 | $176.56M | $25.94M | $1.90 |
| 2023 | $152.05M | $22.79M | $1.67 |
| 2022 | $113.66M | $32.52M | $2.46 |
| 2021 | $92.17M | $23.50M | $2.01 |
| 2020 | $85.26M | $20.09M | $1.80 |
| 2019 | $78.33M | $18.40M | $1.66 |
| 2018 | $55.91M | $14.95M | $1.61 |
| 2017 | $50.78M | $12.72M | $1.38 |
| 2016 | $47.80M | $11.66M | $1.26 |
| 2015 | $44.39M | $10.34M | $1.12 |
| 2014 | $43.48M | $9.65M | $1.04 |
| 2013 | $42.12M | $9.01M | $0.97 |
| 2012 | $44.23M | $9.79M | $1.04 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from FMAO's reported EPS growth of 9.6% a year over 13 years.
- EPS in 5 years
- $3.85
- Implied price
- $26.98
- Return from $33.68
- -4.3% a year
To earn 15.0% a year on these assumptions you'd need to buy at $13.41 — -60.2% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 3 | 5 | 7 | 9 | 11 |
|---|---|---|---|---|---|
| -0.4% | -26.6% | -18.7% | -13.1% | -8.6% | -4.8% |
| 4.6% | -22.9% | -14.6% | -8.7% | -4.0% | -0.1% |
| 9.6% | -19.3% | -10.6% | -4.3% | 0.6% | 4.7% |
| 14.6% | -15.6% | -6.5% | 0.0% | 5.2% | 9.5% |
| 19.6% | -11.9% | -2.4% | 4.4% | 9.8% | 14.3% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
100Social Signal Score
Mentions (1)
- Newsglobenewswire.com·5h ago·Neutral
F&M Bank Welcomes Gregory R. Allen to Board of Directors ARCHBOLD, Ohio, Aug. 25, 2026 (GLOBE NEWSWIRE) -- F&M Bank (“F&M”), an Archbold, Ohio-based bank owned by Farmers & Merchants Bancorp, Inc. (Nasdaq: FMAO), today announced a planned transition on its Board of Directors as Andrew J. Briggs concludes seven years of dedicated service and Gregory R.
View source ↗
Earnings
Mon, Oct 26(in 2 months)
Consensus estimate $0.81 per share
Typical surprise +9.8% (median, so one quarter with a near-zero estimate can't distort it)
- Mon, Jul 27$0.86 vs $0.67beat
- Wed, Apr 22$0.70 vs $0.68beat
- Thu, Feb 12$0.71 vs $0.66beat
- Mon, Oct 27$0.64 vs $0.59beat
- Mon, Jul 28$0.56 vs $0.51beat
- Mon, Apr 28$0.51 vs $0.42beat
Estimates and results for FMAO via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by FMAO officers and directors.
- Bought
- $78k
- Sold
- $6.1m
4 trades
69 trades
- Briggs Andrew Jsold
- Briggs Andrew Jsold
- Briggs Andrew Jsold
- Briggs Andrew Jsold
- Briggs Andrew Jsold
- Briggs Andrew Jsold
- Briggs Andrew Jsold
- Briggs Andrew Jsold
27 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.