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FMAO
$27.25+0.47 (+1.76%)
Market ClosedLast close May 1
Farmers & Merchants Bancorp, Inc.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Farmers & Merchants Bancorp, Inc. in the Financial Services sector is trading at $27.25. The stock is currently 9% below its 52-week high of $29.83, remaining 7.8% above its 200-day moving average. Technical signals show neutral RSI of 55 and bearish MACD signal, explaining why FMAO maintains its current momentum and trend strength. The Whystock Score of 85/100 reflects a high-conviction bullish alignment.
Ecosystem Influences
Neutral momentum (RSI 55) — price action in range
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$27.25
Potential Upside
80.3%
Whystock Fair Value$49.13
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Analyst Consensus3 analysts
Hold
Mean target$28.67+5.2%
Range$28.50 – $29.00
Fundamentals
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, Northeast Indiana, and Southeast Michigan. ...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$363.09M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
10.87
Beta
Defensive asset. Lower volatility than the S&P 500.
0.82
Div Yield
Strong income play. Yield provides a meaningful total return floor.
340.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
7.97%
Volume
Today's trading volume
149,654
Recent News
Farmers & Merchants Bancorp Tops 2025 Profit Record, Shareholders Approve Directors and Say-on-Pay
Farmers & Merchants Bancorp (NASDAQ:FMAO) held its virtual annual shareholder meeting on April 20, 2026, where shareholders voted on the election of directors, executive compensation, and the appointment of its independent auditor. Following the formal business, management presented financial an
Do Options Traders Know Something About Farmers & Merchants Bancorp Stock We Don't?
Investors need to pay close attention to FMAO stock based on the movements in the options market lately.
Best Value Stocks to Buy for Nov.14
SUZ, FMAO and UVV made it to the Zacks Rank #1 (Strong Buy) value stocks list on Nov.14, 2025
Best Income Stocks to Buy for Nov. 12
FMAO, NWG and SBFG made it to the Zacks Rank #1 (Strong Buy) income stocks list on Nov.12, 2025.
Farmers & Merchants Bancorp (FMAO): 37.5% Earnings Growth Reinforces Bullish Narratives
Farmers & Merchants Bancorp (FMAO) posted standout earnings, with net income climbing 37.5% over the past year, a sharp acceleration compared to its 4.7% annualized growth rate over the last five years. Net profit margins strengthened to 27.5%, up from 23.3%, and forward guidance is upbeat, with earnings forecast to grow at about 8% annually. With shares trading at a Price-to-Earnings ratio of 10.3x, below both industry and peer averages, and a current price of $23.90 sitting well below an...