Farmers & Merchants Bancorp, Inc. (FMAO) Stock Score, Valuation & Financial Research
Farmers & Merchants Bancorp, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 58/100.
Quick answer for FMAO
Farmers & Merchants Bancorp, Inc. currently has a Wall Street Score of 58/100. The stored market price is $35.47. Its financial score is 36/100. Its valuation score is 97/100. These figures are a research snapshot, not a buy or sell recommendation.
What Farmers & Merchants Bancorp, Inc. does
Farmers & Merchants Bancorp, Inc. functions as the holding company for The Farmers & Merchants State Bank, offering a broad spectrum of commercial banking solutions. The bank serves individual customers and small businesses throughout northwest Ohio and northeast Indiana. Its offerings include various deposit accounts such as checking, savings, and time deposits, along with custodial services for Individual Retirement Accounts (IRAs) and Health Savings Accounts (HSAs). The company's lending products are extensive, covering commercial, agricultural, and residential mortgages. Specifically, it provides financing for agricultural land, farm equipment, livestock, and operational expenses like seeds and fertilizers. Consumer loans are available for home improvements, vehicles (automobiles, trucks, recreational vehicles, and motorcycles), and credit cards. Additionally, it offers commercial re
FMAO financial snapshot
- Wall Street Score:
- 58/100
- Current price:
- $35.47
- Market capitalization:
- $488.4M
- Revenue:
- $194.9M
- Net income:
- $40.0M
- Free cash flow:
- $34.6M
- Cash:
- $155.9M
- Total debt:
- $218.2M
- EPS:
- 2.91
- P/E ratio:
- 12.2x
- Financial score:
- 36/100
- Valuation score:
- 97/100
- Revenue score:
- 33/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $34.6M, showing positive cash generation.
- The balance sheet shows $155.9M of cash versus $218.2M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 36/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-08.
How to research FMAO
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.