FMAO
ACHAT TOTAL: 300 titres (~10 341,00 $ US) VENTE TOTALE: 86 402 titres (~2 805 880,10 $ US)
- Insiders
- Briggs Andrew J, ALLEN GREGORY R
- Total bought
- $10,341
- Total sold
- $2,805,880
- Last activity
- 2026-08-18
- Last synced
-
2026-08-25 17:08:49
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Bearish signal Scored 2026-09-06
FMAO presents a critically weak liquidity profile (current ratio of 0.11, interest coverage below 1.0) that severely undermines its improved operational efficiency and undervaluation thesis.
The first sentence of the analysis written for FMAO on 2026-09-06 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 62.3% | 55.9% | 60.4% | 83.3% | 88.3% | |
| Ebit Margin | 22.5% | 18.4% | 18.6% | 35.6% | 32.0% | |
| Ebitda Margin | 26.2% | 22.1% | 22.4% | 39.1% | 37.4% | |
| Operating Profit Margin | 22.5% | 18.4% | 18.6% | 35.6% | 32.0% | |
| Pretax Profit Margin | 22.5% | 18.4% | 18.6% | 35.6% | 32.0% | |
| Continuous Operations Profit Margin | 17.6% | 14.7% | 15.0% | 28.6% | 25.5% | |
| Net Profit Margin | 17.6% | 14.7% | 15.0% | 28.6% | 25.5% | |
| Bottom Line Profit Margin | 24.7% | 14.4% | 14.8% | 28.4% | 25.3% | |
| Current Ratio | 0.112 | 0.223 | 0.191 | 0.188 | 0.257 | |
| Quick Ratio | 0.112 | 0.223 | 0.191 | 0.188 | 0.257 | |
| Solvency Ratio | 0.013 | 0.011 | 0.010 | 0.013 | 0.012 | |
| Cash Ratio | 0.036 | 0.065 | 0.055 | 0.034 | 0.065 | |
| Price To Earnings Ratio | 7.249 | 15.500 | 14.850 | 11.049 | 16.333 | |
| Price To Earnings Growth Ratio | 0.091 | 1.125 | -0.462 | 0.494 | 1.400 | |
| Forward Price To Earnings Growth Ratio | 0.091 | 1.125 | -0.462 | 0.494 | 1.400 | |
| Price To Earnings Diluted Ratio | 7.249 | 15.500 | 14.850 | 11.049 | 16.333 | |
| Price To Earnings Diluted Growth Ratio | 0.091 | 1.125 | -0.462 | 0.494 | 1.400 | |
| Price To Book Ratio | 0.911 | 1.179 | 1.069 | 1.193 | 1.278 | |
| Price To Sales Ratio | 1.787 | 2.238 | 2.225 | 3.131 | 4.121 | |
| Price To Free Cash Flow Ratio | 9.759 | 12.913 | 30.159 | 9.347 | 11.589 | |
| Price To Operating Cash Flow Ratio | 9.285 | 12.169 | 15.276 | 8.749 | 10.934 | |
| Debt To Assets Ratio | 0.087 | 0.092 | 0.100 | 0.075 | 0.048 | |
| Debt To Equity Ratio | 0.809 | 0.919 | 1.038 | 0.759 | 0.430 | |
| Debt To Capital Ratio | 0.447 | 0.479 | 0.509 | 0.431 | 0.301 | |
| Long Term Debt To Capital Ratio | 0.414 | 0.456 | 0.487 | 0.366 | 0.249 | |
| Financial Leverage Ratio | 9.261 | 10.038 | 10.372 | 10.114 | 8.878 | |
| Working Capital Turnover Ratio | -0.083 | -0.083 | -0.072 | -0.061 | -0.064 | |
| Operating Cash Flow Ratio | 0.013 | 0.012 | 0.008 | 0.016 | 0.015 | |
| Operating Cash Flow Sales Ratio | 0.192 | 0.184 | 0.146 | 0.358 | 0.377 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.951 | 0.942 | 0.507 | 0.936 | 0.943 | |
| Debt Service Coverage Ratio | 0.377 | 0.308 | 0.330 | 0.533 | 0.778 | |
| Interest Coverage Ratio | 0.614 | 0.419 | 0.485 | 2.818 | 4.018 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.965 | 1.193 | 0.785 | 0.750 | 1.187 | |
| Operating Cash Flow Coverage Ratio | 0.121 | 0.105 | 0.067 | 0.180 | 0.272 | |
| Capital Expenditure Coverage Ratio | 20.592 | 17.356 | 2.026 | 15.642 | 17.680 | |
| Dividend Paid And Capex Coverage Ratio | 2.627 | 2.354 | 0.995 | 3.159 | 3.606 | |
| Dividend Payout Ratio | 0.363 | 0.460 | 0.497 | 0.316 | 0.326 | |
| Enterprise Value Multiple | 10.889 | 13.505 | 15.334 | 11.116 | 10.475 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 62.3% | ▲6.4% | ▼-7.8% |
| Ebit Margin | 22.5% | ▲4.0% | ▼-2.9% |
| Ebitda Margin | 26.2% | ▲4.1% | ▼-3.3% |
| Operating Profit Margin | 22.5% | ▲4.0% | ▼-2.9% |
| Pretax Profit Margin | 22.5% | ▲4.0% | ▼-2.9% |
| Continuous Operations Profit Margin | 17.6% | ▲2.9% | ▼-2.7% |
| Net Profit Margin | 17.6% | ▲2.9% | ▼-2.7% |
| Bottom Line Profit Margin | 24.7% | ▲10.3% | ▲3.2% |
| Current Ratio | 0.112 | ▼-0.111 | ▼-0.082 |
| Quick Ratio | 0.112 | ▼-0.111 | ▼-0.082 |
| Solvency Ratio | 0.013 | ▲0.003 | ▲0.001 |
| Cash Ratio | 0.036 | ▼-0.030 | ▼-0.015 |
| Price To Earnings Ratio | 7.249 | ▼-8.251 | ▼-5.747 |
| Price To Earnings Growth Ratio | 0.091 | ▼-1.034 | ▼-0.438 |
| Forward Price To Earnings Growth Ratio | 0.091 | ▼-1.034 | ▼-0.438 |
| Price To Earnings Diluted Ratio | 7.249 | ▼-8.251 | ▼-5.747 |
| Price To Earnings Diluted Growth Ratio | 0.091 | ▼-1.034 | ▼-0.438 |
| Price To Book Ratio | 0.911 | ▼-0.268 | ▼-0.215 |
| Price To Sales Ratio | 1.787 | ▼-0.452 | ▼-0.914 |
| Price To Free Cash Flow Ratio | 9.759 | ▼-3.154 | ▼-4.994 |
| Price To Operating Cash Flow Ratio | 9.285 | ▼-2.884 | ▼-1.997 |
| Debt To Assets Ratio | 0.087 | ▼-0.004 | ▲0.007 |
| Debt To Equity Ratio | 0.809 | ▼-0.110 | ▲0.018 |
| Debt To Capital Ratio | 0.447 | ▼-0.032 | ▲0.014 |
| Long Term Debt To Capital Ratio | 0.414 | ▼-0.042 | ▲0.020 |
| Financial Leverage Ratio | 9.261 | ▼-0.777 | ▼-0.472 |
| Working Capital Turnover Ratio | -0.083 | ▲0.001 | ▼-0.010 |
| Operating Cash Flow Ratio | 0.013 | ▲0.001 | ▲0.000 |
| Operating Cash Flow Sales Ratio | 0.192 | ▲0.009 | ▼-0.059 |
| Free Cash Flow Operating Cash Flow Ratio | 0.951 | ▲0.009 | ▲0.096 |
| Debt Service Coverage Ratio | 0.377 | ▲0.069 | ▼-0.088 |
| Interest Coverage Ratio | 0.614 | ▲0.195 | ▼-1.057 |
| Short Term Operating Cash Flow Coverage Ratio | 0.965 | ▼-0.228 | ▼-0.011 |
| Operating Cash Flow Coverage Ratio | 0.121 | ▲0.016 | ▼-0.028 |
| Capital Expenditure Coverage Ratio | 20.592 | ▲3.236 | ▲5.933 |
| Dividend Paid And Capex Coverage Ratio | 2.627 | ▲0.272 | ▲0.079 |
| Dividend Payout Ratio | 0.363 | ▼-0.097 | ▼-0.030 |
| Enterprise Value Multiple | 10.889 | ▼-2.616 | ▼-1.375 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $337.9M | $395.2M | $338.3M | $355.8M | $379.8M | |
| Enterprise value | $539.1M | $525.9M | $523.3M | $494.6M | $361.2M | |
| EV / Sales | 2.85x | 2.98x | 3.44x | 4.35x | 3.92x | |
| EV / Op. cash flow | 14.82x | 16.20x | 23.63x | 12.16x | 10.40x | |
| EV / Free cash flow | 15.57x | 17.19x | 46.65x | 12.99x | 11.02x | |
| EV / EBITDA | 10.89x | 13.51x | 15.33x | 11.12x | 10.47x | |
| Net debt / EBITDA | 4.07x | 3.36x | 5.42x | 3.12x | -0.54x | |
| Current ratio | 0.11x | 0.22x | 0.19x | 0.19x | 0.26x | |
| Income quality | 1.09x | 1.25x | 0.97x | 1.25x | 1.48x | |
| Graham number | $39 | $33 | $30 | $36 | $34 | |
| Graham net-net | -$202 | -$181 | -$181 | -$171 | -$153 | |
| Tax burden | 78.3% | 79.6% | 80.4% | 80.3% | 79.7% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$2.46B | -$2.11B | -$2.13B | -$2.06B | -$1.67B | |
| Invested capital | -$2.34B | -$1.99B | -$2.01B | -$1.95B | -$1.56B | |
| Return on assets | 1.0% | 0.8% | 0.7% | 1.1% | 0.9% | |
| Operating ROA | 1.3% | 1.0% | 0.9% | 1.4% | 1.3% | |
| Return on tangible assets | 1.0% | 0.8% | 0.7% | 1.1% | 0.9% | |
| Return on equity | 9.0% | 7.7% | 7.2% | 10.9% | 7.9% | |
| Return on invested capital | 4.8% | 3.8% | 3.4% | 6.2% | 5.5% | |
| Return on capital employed | 6.4% | 5.0% | 4.4% | 8.6% | 7.5% | |
| Earnings yield | 9.9% | 6.6% | 6.7% | 9.1% | 6.2% | |
| Free cash flow yield | 10.2% | 7.7% | 3.3% | 10.7% | 8.6% | |
| Capex / Op. cash flow | 4.9% | 5.8% | 49.3% | 6.4% | 5.7% | |
| Capex / Depreciation | 0.0% | 29.4% | 189.3% | 64.7% | 39.4% | |
| Capex / Sales | 0.9% | 1.1% | 7.2% | 2.3% | 2.1% | |
| SG&A / Sales | 5.3% | 27.4% | 29.9% | 33.5% | 41.4% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.0% | 0.9% | 1.0% | 0.9% | 1.0% | |
| Intangibles / Total assets | 2.7% | 2.7% | 2.8% | 3.0% | 3.2% | |
| Days sales outstanding | 0d | 0d | 0d | 0d | 0d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 0d | 0d | 0d | 0d | 0d | |
| Cash conversion cycle | 0d | 0d | 0d | 0d | 0d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▼-14.5%EV / Sales ▼-4.3%EV / EBITDA ▼-19.4%EV / Op. cash flow ▼-1.379Earnings yield ▲+0.033Graham number ▲+5.613
Profitability
Return on equity ▲+0.012Return on assets ▲+0.002Return on invested capital ▲+0.009Return on capital employed ▲+0.014Operating ROA ▲+0.003Income quality ▼-0.160Tax burden ▼-0.013
Efficiency
Days sales outstanding n/aDays payables outstanding n/aOperating cycle n/aCash conversion cycle n/aCapex / Sales ▼-0.001R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.111Net debt / EBITDA ▲+0.708Working capital ▼-350530000.000Invested capital ▼-352975000.000Intangibles / Total assets ▼-0.001
Change over 5 years
Valuation
Market cap ▼-11.1%EV / Sales ▼-27.3%EV / EBITDA ▲+4.0%EV / Op. cash flow ▲+4.419Earnings yield ▲+0.037Graham number ▲+4.317
Profitability
Return on equity ▲+0.011Return on assets ▲+0.001Return on invested capital ▼-0.008Return on capital employed ▼-0.010Operating ROA -0.000Income quality ▼-0.386Tax burden ▼-0.013
Efficiency
Days sales outstanding n/aDays payables outstanding n/aOperating cycle n/aCash conversion cycle n/aCapex / Sales ▼-0.012R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.145Net debt / EBITDA ▲+4.604Working capital ▼-795852000.000Invested capital ▼-782959000.000Intangibles / Total assets ▼-0.005
Employee count
Peer market caps
Congressional trades
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2026-07-20 | Robert E. Latta | Purchase | $1,001 - $15,000 |
| 2026-06-04 | Robert E. Latta | Purchase | $15,001 - $50,000 |
| 2026-04-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2026-04-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2026-04-20 | Robert E. Latta | Purchase | $1,001 - $15,000 |
| 2026-01-20 | Robert E. Latta | Purchase | $1,001 - $15,000 |
| 2026-01-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2026-01-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2025-10-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2025-10-20 | Robert E. Latta | Purchase | $1,001 - $15,000 |
| 2025-10-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2025-07-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2025-07-20 | Robert E. Latta | Purchase | $1,001 - $15,000 |
| 2025-07-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2025-06-05 | Robert E. Latta | Purchase | $15,001 - $50,000 |
| 2025-04-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2025-04-20 | Robert E. Latta | Purchase | $1,001 - $15,000 |
| 2025-04-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2025-01-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2025-01-20 | Robert E. Latta | Purchase | $1,001 - $15,000 |
| 2025-01-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2024-10-20 | Robert E. Latta | Purchase | $1,001 - $15,000 |
| 2024-10-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2024-10-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2024-07-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2024-07-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2024-07-20 | Robert E. Latta | Purchase | $1,001 - $15,000 |
| 2024-06-06 | Robert E. Latta | Purchase | $15,001 - $50,000 |
| 2024-04-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2024-04-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2024-04-20 | Robert E. Latta | Purchase | $1,001 - $15,000 |
| 2024-01-22 | Robert E. Latta | Purchase | $1,001 - $15,000 |
| 2024-01-22 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2024-01-22 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2023-06-01 | Robert E. Latta | Purchase | $1,001 - $15,000 |
| 2023-04-20 | Robert E. Latta | Purchase | $1,001 - $15,000 |
| 2023-04-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2023-04-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2023-01-20 | Robert E. Latta | Purchase | $1,001 - $15,000 |
| 2023-01-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2023-01-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2022-10-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2022-10-20 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2022-10-20 | Robert E. Latta | Purchase | $1,001 - $15,000 |
| 2022-07-12 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2022-07-12 | Robert E. Latta | Purchase | $1,001 - $15,000 |
| 2022-07-12 | Robert E Latta | Purchase | $1,001 - $15,000 |
| 2020-03-10 | Robert E. Latta | Purchase | $1,001 - $15,000 |
Recent news
- 2026-08-20 F&M Bank''s 9th Annual Charity Golf Classic Raises $47,000 for Local Charities ARCHBOLD, Ohio, Aug. 20, 2026 (GLOBE NEWSWIRE) -- F&M Bank (“F&M”), an Archbold, Ohio-based bank owned by Farmers & Merchants Bancorp, Inc. (Nasdaq: FMAO), recently hosted its 9th Annual Charity Golf Classic on Friday, August 14, at Eagle Rock Golf Club in Defiance, Ohio. The event raised $47,000, with proceeds divided equally among four local organizations serving communities across F&M''s footprint.
- 2026-08-04 Best Income Stocks to Buy for August 4th CTXAY, RS and FMAO made it to the Zacks Rank #1 (Strong Buy) income stocks list on August 4th, 2026.
- 2026-07-27 Farmers & Merchants Bancorp, Inc. Reports 2026 Second-Quarter and Year-to-Date Financial Results ARCHBOLD, Ohio, July 27, 2026 (GLOBE NEWSWIRE) -- Farmers & Merchants Bancorp, Inc. (Nasdaq: FMAO) today reported financial results for the 2026 second quarter and year-to-date ended June 30, 2026, on a consolidated basis.
- 2026-06-30 Farmers & Merchants Bancorp, Inc. Declares 2026 Second-Quarter Cash Dividend ARCHBOLD, Ohio, June 30, 2026 (GLOBE NEWSWIRE) -- The Board of Directors of Farmers & Merchants Bancorp, Inc., (Nasdaq: FMAO), the holding company of F&M Bank, with total assets of $3.49 billion at March 31, 2026, today announced that it has approved the Company''s quarterly cash dividend of $0.23 per share, a 4.0% year-over-year increase, reflecting the Bank''s continued strong momentum, solid financial performance, and commitment to creating long-term value to shareholders. The second-quarter dividend is payable on July 20, 2026, to shareholders of record as of July 10, 2026.
- 2026-06-25 F&M Bank Announces Executive Leadership Appointments to Support Continued Growth and Strategic Execution ARCHBOLD, Ohio, June 25, 2026 (GLOBE NEWSWIRE) -- F&M Bank today announced several executive leadership appointments designed to strengthen operational execution, enhance legal and compliance capabilities, advance its people strategy, and position the organization for continued growth.
- 2026-06-12 F&M Bank Launches 2nd Annual “Great Briefcase Hunt” with $10,000 Prize ARCHBOLD, Ohio, June 12, 2026 (GLOBE NEWSWIRE) -- F&M Bank ("F&M"), an Archbold, Ohio-based bank owned by Farmers and Merchants Bancorp, Inc. (Nasdaq: FMAO), is bringing back one of summer''s most anticipated community adventures: The Great Briefcase Hunt. Beginning June 15, the community across the F&M footprint will once again have the chance to follow weekly clues in search of a hidden briefcase worth $10,000 - with $5,000 awarded to the winner and $5,000 donated to a local charity from an approved F&M charity list.
- 2026-06-12 F&M Bank Launches 2nd Annual “Great Briefcase Hunt” with $10,000 Prize ARCHBOLD, Ohio, June 12, 2026 (GLOBE NEWSWIRE) -- F&M Bank (“F&M”), an Archbold, Ohio-based bank owned by Farmers & Merchants Bancorp, Inc. (Nasdaq: FMAO), is bringing back one of summer''s most anticipated community adventures: The Great Briefcase Hunt. Beginning June 15, the community across the F&M footprint will once again have the chance to follow weekly clues in search of a hidden briefcase worth $10,000 – with $5,000 awarded to the winner and $5,000 donated to a local charity from an approved F&M charity list.