FARMERS & MERCHANTS BANCORP INC
FARMERS & MERCHANTS BANCORP INC
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Due From Banks | 156 | 173 | 97 | 116 | 88 | 173 | 175 | 245 | 192 | 187 | 141 | 152 | |||||
Federal Funds Sold | 1 | 1 | 0 | 1 | 1 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Cash Cash Equivalents And Federal Funds Sold | 156 | 173 | 98 | 117 | 88 | 173 | 176 | 246 | 193 | 188 | 142 | 153 | |||||
Interest Bearing Deposits In Banks | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | |||||
Available For Sale Securities Debt Securities | 441 | 430 | 422 | 423 | 431 | 439 | 427 | 405 | 365 | 348 | 358 | 348 | |||||
Other Investments And Securities At Cost | 11 | 13 | 13 | 12 | 14 | 14 | 14 | 15 | 15 | 15 | 17 | 17 | |||||
Loans Receivable Held For Sale Net Not Part Of Dis… | 3 | 6 | 4 | 3 | 6 | 2 | 3 | 2 | 2 | 2 | 2 | 1 | |||||
Assets | |||||||||||||||||
Assets | 3,502 | 3,486 | 3,434 | 3,391 | 3,346 | 3,389 | 3,365 | 3,389 | 3,323 | 3,288 | 3,283 | 3,235 | |||||
Loans And Leases Receivable Net Reported Amount | - | - | - | - | - | - | - | - | - | 2,517 | 2,556 | 2,504 | |||||
Notes Receivable Net | 2,677 | 2,654 | 2,686 | 2,633 | 2,600 | 2,556 | 2,536 | 2,513 | 2,534 | - | 2,556 | - | |||||
Property Plant And Equipment Net | 30 | 32 | 32 | 32 | 33 | 33 | 34 | 34 | 35 | 35 | 36 | 32 | |||||
Goodwill | 86 | 86 | 86 | 86 | 86 | 86 | 86 | 86 | 86 | 86 | 86 | 86 | |||||
Servicing Asset At Amortized Value | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | |||||
Real Estate Acquired Through Foreclosure | - | 0 | - | - | - | - | - | - | - | - | - | - | |||||
Bank Owned Life Insurance | 48 | 45 | 47 | 36 | 35 | 35 | 35 | 35 | 34 | 34 | 34 | 34 | |||||
Other Assets | 43 | 40 | 39 | 42 | 44 | 43 | 45 | 46 | 50 | 55 | 43 | 47 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liabilities | |||||||||||||||||
Noninterest Bearing Deposit Liabilities | 506 | 520 | 527 | 501 | 498 | 502 | 517 | 481 | 479 | 511 | 528 | 505 | |||||
Interest Bearing Deposit … | |||||||||||||||||
Deposits | |||||||||||||||||
Deposits | 2,869 | 2,810 | 2,731 | 2,752 | 2,710 | 2,700 | 2,687 | 2,685 | 2,641 | 2,621 | 2,607 | 2,575 | |||||
Deposits Negotiable Order Of Withdrawal N O W | 899 | 911 | 876 | 920 | 900 | 875 | 850 | 866 | 821 | 829 | 817 | 778 | |||||
Deposits Savings Deposits | 771 | 753 | 729 | 713 | 691 | 697 | 672 | 662 | 673 | 635 | 599 | 591 | |||||
Time Deposits | 693 | 625 | 598 | 618 | 621 | 626 | 648 | 676 | 668 | 646 | 663 | 700 | |||||
Federal Funds Purchased And Securities Sold Under … | - | - | 38 | - | - | - | 27 | - | - | - | 28 | 31 | |||||
Securities Sold Under Agreements To Repurchase | 15 | 15 | - | 23 | 28 | 27 | - | 27 | 27 | 28 | - | - | |||||
Advances From Federal Home Loan Banks | 168 | 219 | 227 | 188 | 188 | 245 | 246 | 263 | 266 | 257 | 266 | 266 | |||||
Subordinated Debt | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 35 | |||||
Dividends Payable Current And Noncurrent | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | |||||
Accrued Liabilities And Other Liabilities | 27 | 28 | 30 | 28 | 31 | 33 | 32 | 41 | 28 | 26 | 28 | 22 | |||||
Liabilities | 3,117 | 3,110 | 3,064 | 3,029 | 2,995 | 3,044 | 3,030 | 3,054 | 3,000 | 2,970 | 2,967 | 2,931 | |||||
Common Stock Value | 136 | 135 | 136 | 135 | 136 | 135 | 136 | 135 | 136 | 135 | 136 | 135 | |||||
Treasury Stock Value | -10 | -10 | -11 | -11 | -11 | -11 | -11 | -11 | -11 | -11 | -11 | -11 | |||||
Stockholders Equity | |||||||||||||||||
Stockholders Equity | 385 | 376 | 371 | 362 | 351 | 345 | 335 | 335 | 323 | 318 | 317 | 303 | |||||
Retained Earnings Accumulated Deficit | 273 | 265 | 258 | 251 | 245 | 240 | 236 | 230 | 226 | 224 | 221 | 219 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -14 | -14 | -12 | -14 | -19 | -20 | -25 | -19 | -29 | -31 | -29 | -39 | |||||
Liabilities And Stockholders Equity | 3,502 | 3,486 | 3,434 | 3,391 | 3,346 | 3,389 | 3,365 | 3,389 | 3,323 | 3,288 | 3,283 | 3,235 | |||||
Financing Receivable Allowance For Credit Losses | 28 | 28 | 28 | 27 | 27 | 26 | 26 | 25 | 25 | 25 | 25 | 25 | |||||
Common Stock No Par Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Shares Authorized | 40 | 40 | 40 | 40 | 40 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | |||||
Common Stock Shares Issued | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | |||||
Shares Outstanding | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 15 | 15 | 14 | 15 | |||||
Treasury Stock Common Shares | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | - | 25 | 25 | - | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 3.26% | 8.14% | 15.51% | - | - | - | - | - | - | - | - | - |
| 2025 | -5.14% | 0.88% | 3.48% | 7.39% | 6.70% | 0.65% | 4.52% | 15.06% | 6.80% | -3.29% | 6.79% | 3.16% |
| 2024 | 0.91% | 6.22% | 29.78% | 15.65% | 16.49% | 12.18% | 4.23% | -10.53% | -17.10% | -4.90% | -9.93% | 1.48% |
| 2023 | - | - | - | -15.54% | -19.60% | -17.27% | 12.24% | 51.78% | 33.07% | 1.43% | 4.47% | 13.72% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.54 | -0.57 | -0.59 | -0.60 | -0.61 | -0.16 | 0.32 | 0.82 | 1.36 | 1.41 | 1.49 | 1.65 | |||||
Efficiency & Turnover | |||||||||||||||||
| Days Sales Outstanding TTM | - | - | - | - | - | - | - | - | - | -1,743,353.31 | 670,295.78 | 142,493.97 | |||||
| Receivables Turnover TTM | - | - | - | - | - | - | - | - | - | -0.00 | 0.00 | 0.00 | |||||
Per Share Metrics | |||||||||||||||||
| Free Cash Flow Per Share TTM | 3.05 | 2.31 | 2.54 | 1.72 | 2.27 | 2.92 | 2.23 | 2.73 | 1.50 | 0.87 | 0.82 | 1.49 | |||||
| Dividend Per Share TTM | 0.91 | 0.90 | 0.88 | 0.87 | 0.87 | 0.87 | 0.87 | 0.86 | 0.85 | 0.84 | 0.83 | 0.82 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | -3,761.65% | -4,374.54% | -4,783.78% | -5,323.22% | -5,846.07% | -6,785.00% | -5,765.56% | 18,247.29% | 16,374.75% | 20,777.56% | -7,293.92% | -693.30% | |||||
| Operating Profit Margin TTM | 2,950.81% | 3,032.89% | 2,998.94% | 3,051.52% | 2,972.28% | 3,121.50% | 2,460.20% | -4,483.88% | -3,832.14% | -5,238.49% | 2,128.68% | 512.54% | |||||
| Net Profit Margin TTM | 2,308.07% | 2,364.14% | 2,349.01% | 2,420.11% | 2,368.51% | 2,486.99% | 1,959.06% | -3,581.40% | -3,064.71% | -4,193.42% | 1,710.74% | 412.28% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 38.94% | 37.31% | 7.10% | -304.34% | -279.05% | -314.12% | -0.60% | -110.88% | -108.74% | -105.30% | -86.62% | -37.71% | |||||
| Net Income Growth (1Y) | 35.40% | 30.53% | 28.42% | 38.08% | 38.38% | 26.99% | 13.83% | -5.45% | -25.33% | -29.79% | -29.92% | -25.99% | |||||
| EPS Growth (1Y) | 36.59% | 31.65% | 27.95% | 37.61% | 37.99% | 26.67% | 13.54% | -5.70% | -25.60% | -30.08% | -30.22% | -29.61% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 10.31 | 9.55 | 10.04 | 10.40 | 11.24 | 11.29 | 14.76 | 15.30 | 13.75 | 12.99 | 13.62 | 8.79 | |||||
| P/B TTM | 1.07 | 0.91 | 0.90 | 0.92 | 0.95 | 0.90 | 1.14 | 1.05 | 0.91 | 0.89 | 0.98 | 0.71 | |||||
| P/S TTM | 238.01 | 225.71 | 235.74 | 251.69 | 266.31 | 280.84 | 289.09 | -547.82 | -421.36 | -544.90 | 232.92 | 36.23 | |||||
| Market Cap | 412.70M | 343.07M | 334.29M | 331.73M | 332.36M | 310.89M | 382.76M | 353.35M | 293.69M | 281.71M | 310.25M | 214.71M | |||||
| Enterprise Value | 256.83M | 170.23M | 237.04M | 215.28M | 244.76M | 138.28M | 207.90M | 108.77M | 101.90M | 95.17M | 169.33M | 63.00M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 41.54M | 31.34M | 34.97M | 23.61M | 31.20M | 39.96M | 30.60M | 37.37M | 20.59M | 11.84M | 11.22M | 20.38M | |||||
| Net Debt | -155.88M | -172.85M | -97.25M | -116.45M | -87.60M | -172.61M | -174.86M | -244.57M | -191.79M | -186.54M | -140.92M | -151.71M | |||||
Per-Share and Margin | |||||||||||||||||
| EPS TTM | |||||||||||||||||
| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
| Altman E | |||||||||||||||||
| Altman Z-Score | |||||||||||||||||
| ROA TTM | |||||||||||||||||
| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
| EV EBIT TTM | |||||||||||||||||
| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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FARMERS & MERCHANTS BANCORP INC (FMAO) — SEC Financial Statements & Analysis
FARMERS & MERCHANTS BANCORP INC (FMAO) is a savings institution, federally chartered company, incorporated in OH. FARMERS & MERCHANTS BANCORP INC trades on Nasdaq as: FMAO. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), FARMERS & MERCHANTS BANCORP INC reported a 38.94% year-over-year revenue growth, a Gross Profit Margin of -3761.65% (TTM), a Price-to-Sales (P/S) ratio of 238.01x (TTM), a Price-to-Book (P/B) ratio of 1.07x (TTM), at a market cap of $412.70M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 38.94%
- Gross Profit Margin TTM
- -3761.65%
- P/S TTM
- 238.01x
- P/B TTM
- 1.07x
- Market Cap
- $412.70M
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is FARMERS & MERCHANTS BANCORP INC in?
FARMERS & MERCHANTS BANCORP INC (FMAO) operates in the Savings Institution, Federally Chartered industry.
What is FMAO's market cap?
FARMERS & MERCHANTS BANCORP INC (FMAO) has a market capitalization of $412.70M as of 2026-06-30.
What is FMAO's P/E ratio?
FARMERS & MERCHANTS BANCORP INC (FMAO)'s trailing twelve month P/E ratio is 10.31x as of 2026-06-30.
What exchange does FMAO trade on?
FARMERS & MERCHANTS BANCORP INC (FMAO) trades on the Nasdaq.
Where is FARMERS & MERCHANTS BANCORP INC incorporated?
FARMERS & MERCHANTS BANCORP INC is incorporated in OH.