NASDAQ
FMAO
Last Price
US $31.45
KEY FIGURES
MKT CAP
$419.5M
EPS
TTM
$2.61
PEG
TTM
0.40x
P/E
TTM
11.67x
P/S
TTM
2.22x
YIELD
2.98%
GROWTH
Revenue Y/Y
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
Farmers & Merchants Bancorp, Inc. cash flow to debt ratio of 12.13% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial stability - Healthy cash flow growth.
Farmers & Merchants Bancorp, Inc.'s free cash flow has increased 13.12% from $30.60M last year to $34.62M, signaling increasing performance
Financial risk - Healthy debt to equity ratio.
Farmers & Merchants Bancorp, Inc.'s debt to equity ratio is 0.71, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial stability - Healthy debt to equity ratio development.
Farmers & Merchants Bancorp, Inc.'s debt has decreased relative to shareholder equity from 0.92 last year to 0.71 today, signaling strengthened financials
Financial risk - Net debt/EBITDA.
Farmers & Merchants Bancorp, Inc. has a net debt to EBITDA ratio of 4.07x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial stability - ICR.
Farmers & Merchants Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Farmers & Merchants Bancorp, Inc.'s profit margin has increased (27.87%) in the last year from 14.69% to 18.78%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Farmers & Merchants Bancorp, Inc.'s short-term liabilities of $2.77G exceed its short-term assets of $309.46M, signaling financial risk
Decreasing performance - ROA.
Farmers & Merchants Bancorp, Inc.'s return on assets of 1.03% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Farmers & Merchants Bancorp, Inc.'s return on equity of 9.85%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Farmers & Merchants Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Farmers & Merchants Bancorp, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Farmers & Merchants Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Farmers & Merchants Bancorp, Inc. has a free cash flow yield of 8.25%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Farmers & Merchants Bancorp, Inc.'s yearly earnings has increased 28.42% since last year from $25.94M to $33.31M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Farmers & Merchants Bancorp, Inc.'s yearly revenue has increased 7.10% since last year from $176.56M to $189.09M, signaling increasing performance
Increasing performance - ROIC.
ROIC 5.34% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.
Increasing performance - 3-year revenue CAGR.
Farmers & Merchants Bancorp, Inc.'s 3-year revenue CAGR of 18.49% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Farmers & Merchants Bancorp, Inc. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Farmers & Merchants Bancorp, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
Farmers & Merchants Bancorp, Inc. is overvalued relative to its fair value price of 25.60 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Farmers & Merchants Bancorp, Inc. has an earnings yield of 8.58%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Farmers & Merchants Bancorp, Inc. is overvalued relative to its fair value price of 6.94 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Farmers & Merchants Bancorp, Inc. has an EV/EBITDA ratio of 9.64x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Farmers & Merchants Bancorp, Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Farmers & Merchants Bancorp, Inc. has a price-to-book ratio of 1.11x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Farmers & Merchants Bancorp, Inc. has a price-to-sales ratio of 2.19x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
9.85%
Return on equity
ROIC: 5.34%
Valuation History
11.7X
Price to Earnings
EV/EBITDA: 9.6X
Cash flow
Profit margin
17.27%
(FY vs FY)
EBITDA Y/Y
10.91%
(FY vs FY)
Cash flow Y/Y
7.46%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $31.45
-18.60%
Default assumptions
EBITDA Multiple
Fair Value
Market $31.45
-77.93%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.