NASDAQ:FMAO Farmers & Merchants Bancorp (FMAO) Stock Price, News & Analysis $33.34 -1.73 (-4.93%) Closing price 07/30/2026 04:00 PM EasternExtended Trading$33.34 +0.00 (+0.00%) As of 04:09 AM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock About Farmers & Merchants Bancorp Stock (NASDAQ:FMAO) View Price History Chart DataSkip Price History Chart 1 Day 5 Days 30 Days 90 Days 1 Year Advanced 1 Day 1 Day 5 Days 30 Days 90 Days 1 Year Advanced Show volume Show extended hours Get FMAO alerts:Sign Up Key Stats Today's Range$31.43▼$35.3950-Day Range$27.14▼$35.0752-Week Range$22.77▼$35.94Volume74,707 shsAverage Volume74,797 shsMarket Capitalization$459.09 millionP/E Ratio11.46Dividend Yield2.76%Price Target$32.25Consensus RatingModerate Buy Company Overview Farmers & Merchants Bancorp (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.AI Generated. May Contain Errors. Read More Farmers & Merchants Bancorp Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks69th Percentile Overall ScoreFMAO MarketRank™: Farmers & Merchants Bancorp scored higher than 69% of companies evaluated by MarketBeat, and ranked 449th out of 877 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion1.5 / 5Analyst RatingHold Consensus RatingFarmers & Merchants Bancorp has received a consensus rating of Hold. The company's average rating score is 2.25, and is based on no strong buy ratings, 1 buy rating, 3 hold ratings, and no sell ratings.Upside/DownsideThe consensus price target for Farmers & Merchants Bancorp is close to its current price, suggesting limited near-term upside or downside.Amount of Analyst CoverageFarmers & Merchants Bancorp has only been the subject of 2 research reports in the past 90 days.Read more about Farmers & Merchants Bancorp's stock forecast and price target. Earnings and Valuation1.9 / 5Proj. Earnings Growth5.44% Earnings GrowthEarnings for Farmers & Merchants Bancorp are expected to grow by 5.44% in the coming year, from $2.94 to $3.10 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Farmers & Merchants Bancorp is 11.46, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.89.Price to Earnings Ratio vs. SectorThe P/E ratio of Farmers & Merchants Bancorp is 11.46, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.10.Price to Book Value per Share RatioFarmers & Merchants Bancorp has a P/B Ratio of 1.24. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities. Short Interest4.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted1.60% of the float of Farmers & Merchants Bancorp has been sold short.Short Interest Ratio / Days to CoverFarmers & Merchants Bancorp has a short interest ratio ("days to cover") of 2.58, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Farmers & Merchants Bancorp has recently decreased by 0.35%, indicating that investor sentiment is improving. Dividend4.2 / 5Dividend StrengthStrong Dividend YieldFarmers & Merchants Bancorp pays a meaningful dividend of 2.62%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthFarmers & Merchants Bancorp has been increasing its dividend for 19 years.Dividend CoverageThe dividend payout ratio of Farmers & Merchants Bancorp is 31.62%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, Farmers & Merchants Bancorp will have a dividend payout ratio of 29.68% next year. This indicates that Farmers & Merchants Bancorp will be able to sustain or increase its dividend.Read more about Farmers & Merchants Bancorp's dividend. News and Social Media3.0 / 5News Sentiment0.82 News SentimentFarmers & Merchants Bancorp has a news sentiment score of 0.82. 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 WeekMarketBeat has tracked 12 news articles for Farmers & Merchants Bancorp this week, compared to 2 articles on an average week.Search Interest3 people have searched for FMAO on MarketBeat in the last 30 days. Company Ownership1.3 / 5Insider TradingSelling Shares Insider Buying vs. Insider SellingIn the past three months, Farmers & Merchants Bancorp insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $2,091,612.00 in company stock.Percentage Held by Insiders7.30% of the stock of Farmers & Merchants Bancorp is held by insiders.Percentage Held by Institutions23.96% of the stock of Farmers & Merchants Bancorp is held by institutions.Read more about Farmers & Merchants Bancorp's insider trading history. Receive FMAO Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Farmers & Merchants Bancorp and its competitors with MarketBeat's FREE daily newsletter. Submit View SMS TermsSMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. 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FMAO Stock News HeadlinesFarmers & Merchants Bancorp (NASDAQ:FMAO) Director Sells $91,410.00 in StockJuly 29 at 5:21 AM | insidertrades.comFarmers & Merchants Bancorp Q2 2026 EarningsJuly 27, 2026 | 247wallst.comPorter flew 3,300 miles to investigate this systemPorter Stansberry flew the Porter and Co. team 3,300 miles to Dublin to investigate a 17-year investing experiment called Project Prophet - and documented everything on film. Rooted in the laws of physics, this quantitative approach challenges conventional wealth-building wisdom. With 17 years of verified data behind it, Porter calls it unlike anything he has seen in nearly 30 years in the business.July 31 at 1:00 AM | Porter & Company (Ad)Farmers & Merchants Bancorp, Inc. Reports 2026 Second-Quarter and Year-to-Date Financial ResultsJuly 27, 2026 | globenewswire.comFarmers & Merchants Corporate Event Calendar | NASDAQ:FMAOJuly 21, 2026 | benzinga.comFarmers & Merchants Bancorp (FMAO) to Announce Quarterly Earnings on MondayJuly 20, 2026 | americanbankingnews.comInsider Selling: Farmers & Merchants Bancorp (NASDAQ:FMAO) Director Sells 3,000 Shares of StockJuly 7, 2026 | insidertrades.comFarmers & Merchants Bancorp, Inc. Declares 2026 Second-Quarter Cash DividendJune 30, 2026 | globenewswire.comSee More Headlines FMAO Stock Analysis - Frequently Asked Questions How have FMAO shares performed this year? Farmers & Merchants Bancorp's stock was trading at $24.72 at the start of the year. Since then, FMAO shares have increased by 34.9% and is now trading at $33.34. How were Farmers & Merchants Bancorp's earnings last quarter? Farmers & Merchants Bancorp Inc. (NASDAQ:FMAO) posted its quarterly earnings results on Monday, July, 27th. The financial services provider reported $0.86 earnings per share for the quarter, topping analysts' consensus estimates of $0.67 by $0.19. The financial services provider earned $34.35 million during the quarter, compared to analyst estimates of $33.05 million. Farmers & Merchants Bancorp had a net margin of 20.27% and a trailing twelve-month return on equity of 10.83%. When did Farmers & Merchants Bancorp's stock split? Shares of Farmers & Merchants Bancorp split on Thursday, September 21st 2017.The 2-1 split was announced on Friday, August 18th 2017. The newly issued shares were distributed to shareholders after the market closes on Wednesday, September 20th 2017. An investor that had 100 shares of stock prior to the split would have 200 shares after the split. Who are Farmers & Merchants Bancorp's major shareholders? Top institutional investors of Farmers & Merchants Bancorp include Versant Capital Management Inc (0.01%). Insiders that own company stock include Andrew J Briggs, Jo Ellen Hornish, Steven J Planson, Eugene N Burkholder, David R Gerken, Eric D Faust and Ian D Boyce. View institutional ownership trends. 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), AUO (AUOTY), DiamondRock Hospitality (DRH), iShares Micro-Cap ETF (IWC) and Voyager Therapeutics (VYGR). Company Calendar Record date for 7/20 Dividend7/10/2026Ex-Dividend for 7/20 Dividend7/10/2026Dividend Payable7/20/2026Last Earnings7/27/2026Today7/31/2026Fiscal Year End12/31/2026Get Stock Alerts Health Indicator TradeSmith's Health IndicatorA long-term volatility-based measure designed for securities held 12 months or longer.Green: Strong and healthy uptrend with normal pullbacks.Yellow: Significant pullback but still within expected volatility.Red: Dropped beyond expected volatility; considered unhealthy. Green Zone (5m+) 1-Year History Jul 25 Oct 25 Jan 26 Apr 26 Jul 26 FMAO's financial health is in the Green zone, according to TradeSmith. FMAO has been in this zone for over 5 months. Industry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry BANKS - NORTHEAST Sub-IndustryBanking Current SymbolNASDAQ:FMAO CIK792966 Webwww.fm.bank Phone(419) 446-2501FaxN/AEmployees430Year Founded1897Price Target and Rating Average Price Target for Farmers & Merchants Bancorp$32.25 High Price Target$36.00 Low Price Target$28.50 Potential Upside/Downside-3.3%Consensus RatingModerate Buy Rating Score (0-4)2.75 Research Coverage4 Analysts Profitability EPS (Trailing Twelve Months)$2.91 Trailing P/E Ratio11.46 Forward P/E Ratio11.34 P/E GrowthN/ANet Income$33.31 million Net Margins20.27% Pretax Margin23.79% Return on Equity10.83% Return on Assets1.16% Debt Debt-to-Equity Ratio0.58 Current Ratio0.98 Quick Ratio0.98 Sales & Book Value Annual Sales$190.68 million Price / Sales2.41 Cash Flow$2.63 per share Price / Cash Flow12.66 Book Value$26.97 per share Price / Book1.24Miscellaneous Outstanding Shares13,770,000Free Float12,763,000Market Cap$459.09 million OptionableOptionable Beta0.81 Social Links 10 Best Stocks to Own - Summer 2026Enter your email address and we’ll send you MarketBeat’s list of ten stocks set to soar in Summer 2026, despite the threat of tariffs and what's happening in Iran. 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