Farmers & Merchants Bancorp (FMAO) Competitors

Community Trust Bancorp (NASDAQ:CTBI) and Farmers & Merchants Bancorp (NASDAQ:FMAO) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their valuation, earnings, risk, profitability, analyst recommendations, institutional ownership, media sentiment and dividends.

Which has preferable earnings & valuation, CTBI or FMAO?

Community Trust Bancorp has higher revenue and earnings than Farmers & Merchants Bancorp. Community Trust Bancorp is trading at a lower price-to-earnings ratio than Farmers & Merchants Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Community Trust Bancorp	$376.01M	2.72	$82.81M	$5.08	11.12
Farmers & Merchants Bancorp	$179.19M	2.01	$25.94M	$2.16	12.17

Is CTBI or FMAO a better dividend stock?

Community Trust Bancorp pays an annual dividend of $2.12 per share and has a dividend yield of 3.8%. Farmers & Merchants Bancorp pays an annual dividend of $0.88 per share and has a dividend yield of 3.3%. Community Trust Bancorp pays out 41.7% of its earnings in the form of a dividend. Farmers & Merchants Bancorp pays out 40.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Community Trust Bancorp has increased its dividend for 44 consecutive years and Farmers & Merchants Bancorp has increased its dividend for 19 consecutive years. Community Trust Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Do analysts rate CTBI or FMAO?

Community Trust Bancorp currently has a consensus target price of $64.50, suggesting a potential upside of 14.18%. Given Community Trust Bancorp's stronger consensus rating and higher possible upside, equities research analysts clearly believe Community Trust Bancorp is more favorable than Farmers & Merchants Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Community Trust Bancorp	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	3.00
Farmers & Merchants Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Which has more volatility and risk, CTBI or FMAO?

Community Trust Bancorp has a beta of 0.62, suggesting that its stock price is 38% less volatile than the S&P 500. Comparatively, Farmers & Merchants Bancorp has a beta of 0.9, suggesting that its stock price is 10% less volatile than the S&P 500.

Does the media refer more to CTBI or FMAO?

In the previous week, Community Trust Bancorp and Community Trust Bancorp both had 3 articles in the media. Community Trust Bancorp's average media sentiment score of 1.60 beat Farmers & Merchants Bancorp's score of 1.34 indicating that Community Trust Bancorp is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Community Trust Bancorp	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
Farmers & Merchants Bancorp	1 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do insiders and institutionals hold more shares of CTBI or FMAO?

60.2% of Community Trust Bancorp shares are held by institutional investors. Comparatively, 24.0% of Farmers & Merchants Bancorp shares are held by institutional investors. 2.3% of Community Trust Bancorp shares are held by insiders. Comparatively, 7.3% of Farmers & Merchants Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Is CTBI or FMAO more profitable?

Community Trust Bancorp has a net margin of 23.33% compared to Farmers & Merchants Bancorp's net margin of 16.04%. Community Trust Bancorp's return on equity of 11.77% beat Farmers & Merchants Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Community Trust Bancorp	23.33%	11.77%	1.47%
Farmers & Merchants Bancorp	16.04%	8.66%	0.88%

Summary

Community Trust Bancorp beats Farmers & Merchants Bancorp on 14 of the 18 factors compared between the two stocks.