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Farmers and Merchants Bancshares (FMFG) Stock Price & Analysis
FMFG Stock Chart & Stats
- Day’s Range
- $18.51 - $19.00
- 52-Week Range
- $16.25 - $21.00
- Previous Close
- $18.76
- Volume
- 29
- Average Volume (3M)
- 199
- Market Cap
- $61.20M
- Enterprise Value
- $103.46M
- Total Cash (Recent Filing)
- $163.41M
- Total Debt (Recent Filing)
- $74.32M
- Price to Earnings (P/E)
- 8.1
- Beta
- 0.13
- Next Earnings
- Feb 03, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Jun 02, 2026
- Dividend Yield
- 3.81%
Bulls Say, Bears Say
Bulls Say
Revenue Growth
Sustained revenue expansion indicates that FMFG has continued growing its banking franchise and customer-related income over several years. The increase into TTM provides a durable base for earnings growth, although future benefits will depend on preserving profitability as the business scales.
Profitability Recovery
FMFG remains profitable and has recently improved both net margin and return on equity from 2024–2025 levels. This recovery suggests improving earnings efficiency and supports internal capital formation, giving the bank greater capacity to sustain operations and fund measured growth.
Governance Continuity
Adding a former treasurer and CFO to the board can reinforce institutional knowledge, oversight, and continuity in asset-liability and investor-relations matters. His committee appointments may support disciplined governance and regulatory compliance over the coming quarters.
Bears Say
Margin Compression
The substantial multi-year decline in net margin shows that revenue growth has not translated into the level of profitability achieved earlier in the cycle. Persistent margin pressure can reduce earnings resilience, limit capital generation, and make results more sensitive to operating and funding costs.
Elevated Leverage
Higher leverage has materially changed FMFG’s balance-sheet risk profile relative to prior years. Greater debt compared with shareholder equity can increase funding obligations and reduce financial flexibility, leaving less room to absorb weaker credit conditions or pursue growth without added balance-sheet pressure.
Weaker Cash Generation
The sharp reduction in operating and free cash flow indicates that recent earnings are producing less cash than in the prior year. With operating cash flow covering only about 0.81x of net income, weaker cash conversion could constrain capital flexibility and make funding growth or distributions less dependable.
Farmers and Merchants Bancshares News
FMFG FAQ
What was Farmers and Merchants Bancshares’s price range in the past 12 months?
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What is the TipRanks Smart Score and how is it calculated?
Farmers and Merchants Bancshares Stock Smart Score
Company Description
Farmers and Merchants Bancshares
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.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Gary A. Harris
- Employees
- 93
- Website
- www.fmb1919.com
- Address
- 4510 Lower Beckleysville Road, Hampstead, MD, 21074, US
Farmers and Merchants Bancshares (FMFG) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 12 | 6 | 4 |
| Technical Analysis | 3 | 6 | 1 |
| Moving Averages | 9 | 0 | 3 |
