Want to see FMFG full AI Analyst Report?
FMFG Stock Chart & Stats
$17.25
$0.00(0.00%)
At close: 4:00 PM EST
$17.25
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$15.75 - $21.00
Previous CloseN/A
Volume63.00
Average Volume (3M)203.00
Market Cap
$60.69M
Enterprise Value$81.99
Total Cash (Recent Filing)$160.62M
Total Debt (Recent Filing)$78.20M
Price to Earnings (P/E)8.6
Beta0.11
Next Earnings
Oct 15, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.81%
Share Statistics
EPS (TTM)2.03
Shares Outstanding3,235,707
10 Day Avg. Volume530
30 Day Avg. Volume203
Financial Highlights & Ratios
PEG Ratio0.30
Price to Book (P/B)0.84
Price to Sales (P/S)1.23
P/FCF Ratio8.69
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Sustained Multi-year Revenue GrowthMulti-year revenue expansion from ~$27.5M (2021) to ~$45.5M (TTM) shows durable market traction in core banking products. For a community bank, sustained top-line growth supports loan book scale, fee income diversification and long-term revenue resilience across economic cycles.
Recovering, Healthy Operating ProfitabilityA TTM net margin ~14% and EBIT margin ~18% indicate the bank is converting revenue to profit at a solid rate versus peers. Sustained margins support dividend capacity and reinvestment; improving profitability strengthens ROE and cushions earnings through cyclical loan performance shifts.
Shareholder-friendly Dividend PolicyA raised cash dividend and a ~33% payout ratio signal disciplined capital allocation and sustainable shareholder returns tied to earnings. For income-focused investors, this demonstrates management's commitment to returning cash while retaining headroom to support growth and reserves.
Bears Say
Marked Rise In LeverageDebt-to-equity jumping from ~0.44 to ~1.18 materially increases balance-sheet risk for a regional/community bank. Higher leverage limits funding flexibility, magnifies earnings volatility under stress, and raises refinancing and interest-rate sensitivity that can strain capital planning over months.
Uneven Cash-flow DurabilityAlthough FCF is near net income in the TTM, an ~8% decline in FCF and prior year cash-conversion weakness indicate inconsistent cash generation. For lending-focused banks, volatile cash flow complicates provisioning, dividend sustainability and capital buffers over multi-month horizons.
Expanded Equity Plan Raises Dilution RiskAuthorizing 200k additional shares expands stock-based pay capacity but increases potential dilution. Over time this can dilute EPS and shareholder economic ownership, complicating long-term return metrics and potentially reducing per-share capital available for dividends or reinvestment.
Farmers and Merchants Bancshares News
FMFG FAQ
What was Farmers and Merchants Bancshares Inc’s price range in the past 12 months?
Farmers and Merchants Bancshares Inc lowest stock price was $15.75 and its highest was $21.00 in the past 12 months.
What is Farmers and Merchants Bancshares Inc’s market cap?
Farmers and Merchants Bancshares Inc’s market cap is $60.69M.
When is Farmers and Merchants Bancshares Inc’s upcoming earnings report date?
Farmers and Merchants Bancshares Inc’s upcoming earnings report date is Oct 15, 2026 which is in 81 days.
How were Farmers and Merchants Bancshares Inc’s earnings last quarter?
Farmers and Merchants Bancshares Inc released its earnings results on Jul 23, 2026. The company reported $0.58 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
Is Farmers and Merchants Bancshares Inc overvalued?
According to Wall Street analysts Farmers and Merchants Bancshares Inc’s price is currently Overvalued.
Does Farmers and Merchants Bancshares Inc pay dividends?
Farmers and Merchants Bancshares Inc pays a Semiannually dividend of $0.36 which represents an annual dividend yield of 3.81%. See more information on Farmers and Merchants Bancshares Inc dividends here
What is Farmers and Merchants Bancshares Inc’s EPS estimate?
Farmers and Merchants Bancshares Inc’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Farmers and Merchants Bancshares Inc have?
Farmers and Merchants Bancshares Inc has 3,235,707 shares outstanding.
What happened to Farmers and Merchants Bancshares Inc’s price movement after its last earnings report?
Farmers and Merchants Bancshares Inc reported an EPS of $0.58 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 1.767%.
Which hedge fund is a major shareholder of Farmers and Merchants Bancshares Inc?
Currently, no hedge funds are holding shares in FMFG
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Farmers and Merchants Bancshares Inc
Farmers and Merchants Bancshares, Inc. operates as the bank holding company for Farmers and Merchants Bank that provides commercial and retail banking services to individuals and businesses in Maryland. It offers checking, savings, money market, individual retirement, and sweep accounts, as well as certificates of deposit, remote check deposits, and repurchase agreements. The company also provides credit for residential mortgages, including federal housing administration and veterans affairs loans; construction loans; home equity lines; personal installment loans; and other consumer financing, as well as finances commerce and industry by providing credit and deposit services for small to medium size businesses and the agricultural community. In addition, it offers commercial lending, which includes commercial mortgages, land acquisition and development loans, lines of credit, accounts receivable financing, and term loans for fixed asset purchases, as well as loans guaranteed by the Small Business Administration and the United States Department of Agriculture. Further, the company provides automated teller machine, internet, automated telephone services, online and mobile banking products, and other electronic banking services, as well as debit and credit cards. It operates through branches located in Hampstead, Greenmount, Reisterstown, Owings Mills, Eldersburg, and Westminster, Maryland. Farmers and Merchants Bancshares, Inc. was founded in 1919 and is headquartered in Hampstead, Maryland.
Technical Analysis
Ameriserv Financial
―
Optimumbank Holdings
―
First Seacoast Bancorp
―
Texas Community
―
―