FMAO:NSD-Farmers & Merchants Bancorp, Inc (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 21.93

Change

-0.05 (-0.23)%

Market Cap

USD 0.25B

Volume

6.96K

Avg Analyst Target

N/A

Avg User Target

USD
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

Farmers & Merchants Bancorp, Inc. operates as the bank holding company for The Farmers & Merchants State Bank that provides commercial banking services to individuals and small businesses in northwest Ohio and northeast Indiana. The company offers checking account services, as well as savings and time deposit services, such as certificates of deposit; and custodial services for individual retirement and health savings accounts. It also provides commercial, agricultural, and residential mortgage, as well as consumer and credit card lending products; loans for farm land, farm equipment, and livestock; operating loans for seeds, fertilizers, and feeds; home improvement loans; and loans for autos, trucks, recreational vehicles, and motorcycles. In addition, the company offers commercial real estate loans, such as operation lines of credit and machinery purchase loans. Further, it provides automated teller machine services; and online banking, remote deposit capture or electronic deposit processing, merchant credit card, and mobile banking services; and electronic transaction origination, such as wire and automated clearing house file transmittal services. As of February 10, 2021, the company operated through 30 offices. Farmers & Merchants Bancorp, Inc. was founded in 1897 and is headquartered in Archbold, Ohio.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-08-03 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SIVB SVB Financial Group

+4.27 (+0.78%)

USD31.03B 15.71 N/A
HBANN Huntington Bancshares Incorpor..

+0.10 (+0.38%)

USD28.23B 27.97 N/A
FITB Fifth Third Bancorp

+0.76 (+2.11%)

USD25.54B 10.58 N/A
HBAN Huntington Bancshares Incorpor..

+0.45 (+3.21%)

USD20.80B 15.21 N/A
FITBI Fifth Third Bancorp

+0.01 (+0.03%)

USD20.08B 8.37 N/A
SBNY Signature Bank

+4.81 (+2.12%)

USD13.12B 17.88 N/A
HBANO Huntington Bancshares Incorpor..

N/A

USD12.99B 21.91 N/A
ZION Zions Bancorporation, National..

+1.11 (+2.15%)

USD8.46B 7.83 N/A
CBSH Commerce Bancshares, Inc

-1.28 (-1.83%)

USD8.27B 15.16 N/A
FCNCA First Citizens BancShares, Inc

+20.77 (+2.70%)

USD7.62B 13.75 N/A

ETFs Containing FMAO

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -4.65% 5% F 29% F
Dividend Return 1.48% 37% F 55% F
Total Return -3.17% 5% F 30% F
Trailing 12 Months  
Capital Gain 2.05% 4% F 27% F
Dividend Return 3.16% 34% F 56% F
Total Return 5.21% 4% F 28% F
Trailing 5 Years  
Capital Gain 34.95% 49% F 47% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 34.95% 32% F 42% F
Average Annual (5 Year Horizon)  
Capital Gain 13.90% 93% A 59% F
Dividend Return 2.15% 43% F 57% F
Total Return 16.05% 93% A 60% D-
Risk Return Profile  
Volatility (Standard Deviation) 55.63% 4% F 32% F
Risk Adjusted Return 28.85% 69% D+ 45% F
Market Capitalization 0.25B 38% F 36% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 11.64 46% F 66% D
Price/Book Ratio 0.98 80% B- 89% B+
Price / Cash Flow Ratio 8.97 67% D+ 40% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 8.59% 30% F 68% D+
Return on Invested Capital 7.46% 62% D- 73% C
Return on Assets 1.07% 40% F 54% F
Debt to Equity Ratio 7.17% 88% B+ 76% C
Technical Ratios  
Short Ratio 1.18 67% D+ 71% C-
Short Percent 1.22% 45% F 74% C
Beta 0.32 95% A 90% A-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

No discussions yet

User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.