NASDAQ:FMAO Farmers & Merchants Bancorp (FMAO) Stock Price, News & Analysis $35.03 -0.08 (-0.23%) As of 04:00 PM Eastern 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$34.94▼$35.7050-Day Range$28.14▼$35.3352-Week Range$22.77▼$35.94Volume66,120 shsAverage Volume67,269 shsMarket Capitalization$482.36 millionP/E Ratio12.04Dividend Yield2.63%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™ Stocks76th Percentile Overall ScoreFMAO MarketRank™: Farmers & Merchants Bancorp scored higher than 76% of companies evaluated by MarketBeat, and ranked 359th out of 858 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion2.0 / 5Analyst RatingModerate Buy Consensus RatingFarmers & Merchants Bancorp has received a consensus rating of Moderate Buy. The company's average rating score is 2.75, and is based on 1 strong buy rating, 1 buy rating, 2 hold ratings, and no sell ratings.Downside RiskFarmers & Merchants Bancorp has a consensus price target of $32.25, representing about 8.4% downside from its current price of $35.21.Amount of Analyst CoverageFarmers & Merchants Bancorp has only been the subject of 3 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 Growth4.26% Earnings GrowthEarnings for Farmers & Merchants Bancorp are expected to grow by 4.26% in the coming year, from $3.05 to $3.18 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Farmers & Merchants Bancorp is 12.10, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.81.Price to Earnings Ratio vs. SectorThe P/E ratio of Farmers & Merchants Bancorp is 12.10, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.38.Price to Book Value per Share RatioFarmers & Merchants Bancorp has a P/B Ratio of 1.31. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.Read more about Farmers & Merchants Bancorp's valuation and earnings. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted1.74% 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 2.88, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Farmers & Merchants Bancorp has recently increased by 8.87%, indicating that investor sentiment is decreasing significantly. 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 28.93% 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 Media3.4 / 5News Sentiment0.40 News SentimentFarmers & Merchants Bancorp has a news sentiment score of 0.40. 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 is a lower news sentiment than the 0.84 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 8 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. This is an increase of 50% compared to the previous 30 days.MarketBeat Follows1 people have added Farmers & Merchants Bancorp to their MarketBeat watchlist in the last 30 days. Company Ownership2.0 / 5Insider TradingSelling Shares Insider Buying vs. Insider SellingIn the past three months, Farmers & Merchants Bancorp insiders have sold 25,917.81% more of their company's stock than they have bought. Specifically, they have bought $10,341.00 in company stock and sold $2,690,502.00 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. 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FMAO Stock News HeadlinesInsider Selling: Farmers & Merchants Bancorp (NASDAQ:FMAO) Director Sells $103,620.00 in StockAugust 13, 2026 | insidertrades.comFarmers & Merchants Bancorp (NASDAQ:FMAO) EVP David Gerken Sells 1,000 Shares of StockAugust 7, 2026 | insidertrades.comALERT: Drop these 5 stocks before the market opens tomorrow!The Wall Street Journal is already raising the alarm about a potential market crash, and Weiss Ratings research points to the first half of 2026 as a particularly rough stretch for certain holdings. Some of America's most popular stocks could take serious damage as a radical market shift plays out. Analysts at Weiss Ratings have identified five names you may want to remove from your portfolio before this unfolds. If any of these are in your portfolio, now is the time to review your positions.August 17 at 1:00 AM | Weiss Ratings (Ad)Insider Buying: Farmers & Merchants Bancorp (NASDAQ:FMAO) Director Purchases 300 Shares of StockAugust 4, 2026 | insidertrades.comFarmers & Merchants Bancorp (NASDAQ:FMAO) Director Sells $91,410.00 in StockJuly 29, 2026 | insidertrades.comFarmers & Merchants Bancorp Q2 2026 EarningsJuly 27, 2026 | 247wallst.comFarmers & 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.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 stock has increased by 42.4% and is now trading at $35.21. How were Farmers & Merchants Bancorp's earnings last quarter? Farmers & Merchants Bancorp Inc. (NASDAQ:FMAO) released its quarterly earnings results on Monday, July, 27th. The financial services provider reported $0.86 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.67 by $0.19. The financial services provider had revenue of $34.35 million for the quarter, compared to analysts' expectations of $33.05 million. Farmers & Merchants Bancorp had a net margin of 20.27% and a trailing twelve-month return on equity of 10.72%. When did Farmers & Merchants Bancorp's stock split? Farmers & Merchants Bancorp's stock split 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. Who are Farmers & Merchants Bancorp's major shareholders? Farmers & Merchants Bancorp's top institutional shareholders include BlackRock Inc. (7.89%), The Manufacturers Life Insurance Company (2.10%), Bank of New York Mellon Corp (0.36%) and Man Group plc (0.13%). Insiders that own company stock include Andrew J Briggs, Jo Ellen Hornish, Eugene N Burkholder, David R Gerken, Eric D Faust, Ian D Boyce and Gregory R Allen. 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 Earnings7/27/2026Today8/17/2026Next Earnings (Estimated)10/26/2026Fiscal 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 (6m+) 1-Year History Aug 25 Nov 25 Feb 26 May 26 Aug 26 FMAO's financial health is in the Green zone, according to TradeSmith. FMAO has been in this zone for over 6 months. Industry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry Banks Sub-IndustryRegional Banks 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-7.9%Consensus RatingModerate Buy Rating Score (0-4)2.75 Research Coverage4 Analysts Profitability EPS (Trailing Twelve Months)$2.91 Trailing P/E Ratio12.04 Forward P/E Ratio11.49 P/E GrowthN/ANet Income$33.31 million Net Margins20.27% Pretax Margin25.91% Return on Equity10.72% Return on Assets1.16% Debt Debt-to-Equity Ratio0.44 Current Ratio0.96 Quick Ratio0.96 Sales & Book Value Annual Sales$190.68 million Price / Sales2.53 Cash Flow$2.76 per share Price / Cash Flow12.68 Book Value$26.97 per share Price / Book1.30Miscellaneous Outstanding Shares13,770,000Free Float12,768,000Market Cap$482.36 million OptionableOptionable Beta0.80 Social Links The 7 Hottest IPO Stories of 2026MarketBeat just released its list of the 7 hottest IPOs expected to hit Wall Street in 2026. See which companies are preparing to go public and why investors are watching closely.Get This Free Report This page (NASDAQ:FMAO) was last updated on 8/17/2026 by MarketBeat.com Staff. From Our PartnersALERT: Drop these 5 stocks before the market opens tomorrow!The Wall Street Journal is already raising the alarm about a potential market crash, and Weiss Ratings researc...Weiss Ratings | SponsoredLouis Navellier: My #1 AI stock for 2026 (name & ticker inside)Louis Navellier's Stock Grader system helped him flag Nvidia before its 82,000% run and has identified the top...InvestorPlace | SponsoredReady to give options a try? Your first trade (Ticker included) -INSIDETired of trying tactic after tactic when it comes to options trades... only to be met with market noise and st...Base Camp Trading | SponsoredIran War Shock: What I Was Told In That Private MeetingYou’re Being LIED To About The Iran War Forget EVERYTHING you’ve heard about the Iran war. 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