Farmers & Merchants Bancorp (FMAO) Stock Price, News & Analysis

Company Overview

Farmers & Merchants Bancorp is the bank holding company for Farmers & Merchants Bank of Long Beach, a community banking institution founded in 1907. The company provides a comprehensive suite of financial services to individuals, small businesses and commercial clients across southern California. Its primary offerings include deposit accounts, mortgage and consumer loans, commercial lending, and wealth management solutions.

Through a network of branch offices and digital platforms, Farmers & Merchants serves communities in Long Beach, West Los Angeles, Pasadena, Torrance and surrounding areas. The bank’s commercial lending division focuses on financing for office, industrial and retail properties, while its consumer loan portfolio encompasses home equity, auto and personal lending. Additional services include treasury management, online banking and specialized programs for real estate investors and nonprofit organizations.

With more than a century of local presence, Farmers & Merchants emphasizes personalized customer relationships and community engagement. The leadership team, headed by President and CEO Gregory P. Mitchell, guides strategic initiatives to enhance digital capabilities and expand the company’s service footprint. A strong commitment to prudent risk management and capital strength underpins the company’s steady growth.

By combining traditional banking values with modern technology, Farmers & Merchants Bancorp aims to deliver tailored financial solutions that support long-term client success. Its community-oriented model and regional expertise continue to drive sustainable performance and stakeholder value.

Key Stats

• Today's Range: $25.60 to $26.50
• 50-Day Range: $22.83 to $28.25
• 52-Week Range: $20.88 to $34.15
• Volume: 50,564 shs
• Average Volume: 23,629 shs
• Market Capitalization: $353.70 million
• P/E Ratio: 12.76
• Dividend Yield: 3.41%
• Price Target: $26.00
• Consensus Rating: Hold

Farmers & Merchants Bancorp Stock Analysis - MarketRank™

Farmers & Merchants Bancorp scored higher than 59% of companies evaluated by MarketBeat, and ranked 535th out of 936 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.0 / 5
• Analyst Rating: Hold

Consensus Rating

Farmers & Merchants Bancorp has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Farmers & Merchants Bancorp has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 10.99%

Earnings Growth

Earnings for Farmers & Merchants Bancorp are expected to grow by 10.99% in the coming year, from $1.82 to $2.02 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Farmers & Merchants Bancorp is 12.76, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.84.

Price to Earnings Ratio vs. Sector

The P/E ratio of Farmers & Merchants Bancorp is 12.76, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.20.

Price to Book Value per Share Ratio

Farmers & Merchants Bancorp has a P/B Ratio of 1.05. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.67% of the float of Farmers & Merchants Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Farmers & Merchants Bancorp has a short interest ratio ("days to cover") of 4.4.

Change versus previous month

Short interest in Farmers & Merchants Bancorp has recently decreased by 2.96%, indicating that investor sentiment is improving.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Farmers & Merchants Bancorp pays a meaningful dividend of 3.43%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Farmers & Merchants Bancorp has been increasing its dividend for 19 years.

Dividend Coverage

The dividend payout ratio of Farmers & Merchants Bancorp is 43.56%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Farmers & Merchants Bancorp will have a dividend payout ratio of 43.56% next year. This indicates that Farmers & Merchants Bancorp will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.67% of the float of Farmers & Merchants Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Farmers & Merchants Bancorp has a short interest ratio ("days to cover") of 4.4.

Change versus previous month

Short interest in Farmers & Merchants Bancorp has recently decreased by 2.96%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 0.93

News Sentiment

Farmers & Merchants Bancorp has a news sentiment score of 0.93. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Farmers & Merchants Bancorp this week, compared to 1 article on an average week.

Search Interest

1 people have searched for FMAO on MarketBeat in the last 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Farmers & Merchants Bancorp insiders have bought more of their company's stock than they have sold. Specifically, they have bought $5,053.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 7.30% of the stock of Farmers & Merchants Bancorp is held by insiders.

Percentage Held by Institutions

Only 23.96% of the stock of Farmers & Merchants Bancorp is held by institutions.

FMAO Stock Analysis - Frequently Asked Questions

How have FMAO shares performed this year?

Farmers & Merchants Bancorp's stock was trading at $29.45 on January 1st, 2025. Since then, FMAO stock has decreased by 12.5% and is now trading at $25.78.

How were Farmers & Merchants Bancorp's earnings last quarter?

Farmers & Merchants Bancorp Inc. (NASDAQ:FMAO) issued its quarterly earnings data on Monday, April, 28th. The financial services provider reported $0.51 earnings per share for the quarter, beating analysts' consensus estimates of $0.42 by $0.09. The financial services provider had revenue of $28.07 million for the quarter, compared to analysts' expectations of $26.67 million. Farmers & Merchants Bancorp had a trailing twelve-month return on equity of 8.23% and a net margin of 15.15%.

When did Farmers & Merchants Bancorp's stock split?

Farmers & Merchants Bancorp shares split before market open on Thursday, September 21st 2017.The 2-1 split was announced on Friday, August 18th 2017. The newly created shares were payable to shareholders after the closing bell on Wednesday, September 20th 2017. An investor that had 100 shares of stock prior to the split would have 200 shares after the split.

How do I buy shares of Farmers & Merchants Bancorp?

Shares of FMAO stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Farmers & Merchants Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Farmers & Merchants Bancorp investors own include American Water Works (AWK), Waste Connections (WCN), The RMR Group (RMR), AU Optronics (AUOTY), DiamondRock Hospitality (DRH), iShares Micro-Cap ETF (IWC) and Voyager Therapeutics (VYGR).

Company Calendar

• Record date for 4/20 Dividend: 4/04/2025
• Ex-Dividend for 4/20 Dividend: 4/04/2025
• Dividend Payable: 4/20/2025
• Last Earnings: 4/28/2025
• Record date for 7/20 Dividend: 7/07/2025
• Ex-Dividend for 7/20 Dividend: 7/07/2025
• Today: 7/12/2025
• Next Earnings (Estimated): 7/15/2025
• Dividend Payable: 7/20/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FMAO
• CIK: 792966
• Web: www.fm.bank
• Phone: (419) 446-2501
• Fax: N/A
• Employees: 430
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Farmers & Merchants Bancorp: $26.00
• High Price Target: $26.00
• Low Price Target: $26.00
• Potential Upside/Downside: +0.9%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.02
• Trailing P/E Ratio: 12.76
• Forward P/E Ratio: 14.16
• P/E Growth: N/A
• Net Income: $25.94 million
• Net Margins: 15.15%
• Pretax Margin: 19.02%
• Return on Equity: 8.23%
• Return on Assets: 0.82%

Debt

• Debt-to-Equity Ratio: 0.71
• Current Ratio: 0.98
• Quick Ratio: 0.98

Sales & Book Value

• Annual Sales: $179.19 million
• Price / Sales: 1.97
• Cash Flow: $2.19 per share
• Price / Cash Flow: 11.76
• Book Value: $24.47 per share
• Price / Book: 1.05

Miscellaneous

• Outstanding Shares: 13,720,000
• Free Float: 12,717,000
• Market Cap: $353.70 million
• Optionable: Optionable
• Beta: 0.86