Farmers & Merchants Bancorp Q4 2025 Earnings Report

Farmers & Merchants Bancorp EPS Results

• Actual EPS: $0.71
• Consensus EPS: $0.67
• Beat/Miss: Beat by +$0.04
• One Year Ago EPS: N/A

Farmers & Merchants Bancorp Revenue Results

• Actual Revenue: $32.45 million
• Expected Revenue: $27.30 million
• Beat/Miss: Beat by +$5.15 million
• YoY Revenue Growth: N/A

Farmers & Merchants Bancorp Announcement Details

• Quarter: Q4 2025
• Date: 2/12/2026
• Time: Before Market Opens
• Conference Call Date: Thursday, February 12, 2026
• Conference Call Time: 4:00PM ET

Farmers & Merchants Bancorp (NASDAQ:FMAO) (NASDAQ:FMAO) is the bank holding company for Farmers & Merchants Bank of Central California, a community-focused institution headquartered in Los Banos, California. The bank traces its roots to 1916 and has grown to serve individuals, businesses and agricultural enterprises throughout the western San Joaquin Valley. Operating with a commitment to local decision-making, the company emphasizes personalized service and close ties to the communities in which it operates.

Through its banking subsidiary, Farmers & Merchants offers a comprehensive suite of financial products and services, including checking and savings accounts, certificates of deposit, online and mobile banking platforms, and merchant services. Its lending portfolio encompasses commercial and agricultural loans, residential and commercial real estate financing, consumer loans and equipment financing. The company also provides treasury and cash management solutions designed to help small and mid-sized businesses manage liquidity and streamline operations.

Farmers & Merchants maintains a network of full-service branches and ATMs across central California, serving customers in Merced, Stanislaus and surrounding counties. The leadership team comprises experienced banking professionals with deep regional knowledge, focused on supporting local economic development and maintaining strong customer relationships rooted in community values.