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Farmers and Merchants Bancshares Inc (FMFG)
OTHER OTC:FMFG
US Market
FMFG
Farmers and Merchants Bancshares
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Farmers and Merchants Bancshares (FMFG) Ratios

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Farmers and Merchants Bancshares Ratios

FMFG's free cash flow for Q2 2026 was $0.63. For the 2026 fiscal year, FMFG's free cash flow was decreased by $ and operating cash flow was $0.22. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 36.37 38.77 0.24 0.29 0.21
Quick Ratio
 36.37 38.77 0.24 0.29 0.21
Cash Ratio
 11.92 10.68 0.08 0.06 0.01
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 0.01
Operating Cash Flow Ratio
 0.81 1.53 <0.01 <0.01 0.01
Short-Term Operating Cash Flow Coverage
 0.81 0.12 0.10 0.87 0.35
Net Current Asset Value
$ -640.80M$ -639.92M$ -602.33M$ -544.60M$ -535.79M
Leverage Ratios
Debt-to-Assets Ratio
 0.09 0.09 0.03 0.03 0.06
Debt-to-Equity Ratio
 1.10 1.22 0.44 0.48 0.89
Debt-to-Capital Ratio
 0.52 0.55 0.30 0.32 0.47
Long-Term Debt-to-Capital Ratio
 0.51 0.28 0.02 0.26 0.31
Financial Leverage Ratio
 12.93 13.49 15.01 15.33 15.03
Debt Service Coverage Ratio
 0.35 0.09 0.12 0.42 0.38
Interest Coverage Ratio
 0.52 0.41 0.31 0.85 4.93
Debt to Market Cap
 1.21 1.46 0.36 0.46 0.62
Interest Debt Per Share
 29.29 30.81 13.44 11.31 14.63
Net Debt to EBITDA
 1.98 4.06 -6.42 -2.19 3.25
Profitability Margins
Gross Profit Margin
60.52%57.73%55.22%71.19%90.67%
EBIT Margin
20.21%16.70%13.96%26.03%37.65%
EBITDA Margin
21.76%18.38%15.58%27.58%39.38%
Operating Profit Margin
20.21%16.70%13.96%26.03%37.65%
Pretax Profit Margin
20.21%16.70%13.96%26.03%37.65%
Net Profit Margin
15.35%13.06%10.84%19.81%28.80%
Continuous Operations Profit Margin
15.35%13.06%10.84%19.81%28.80%
Net Income Per EBT
75.94%78.20%77.65%76.09%76.50%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.81%0.66%0.51%0.80%1.13%
Return on Equity (ROE)
10.90%8.92%7.60%12.30%16.93%
Return on Capital Employed (ROCE)
1.08%0.85%6.95%7.62%11.87%
Return on Invested Capital (ROIC)
3.96%2.48%4.22%5.46%7.39%
Return on Tangible Assets
0.82%0.67%0.51%0.81%1.14%
Earnings Yield
11.95%10.63%6.66%11.90%12.07%
Efficiency Ratios
Receivables Turnover
 19.32 17.42 16.18 14.86 15.47
Payables Turnover
 18.53 14.60 17.62 6.30 7.49
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 6.64 6.18 5.37 4.92 4.54
Asset Turnover
 0.05 0.05 0.05 0.04 0.04
Working Capital Turnover Ratio
 0.29 -0.21 -0.07 -0.07 -0.18
Cash Conversion Cycle
 -0.81 -4.04 1.84 -33.41 -25.13
Days of Sales Outstanding
 18.89 20.96 22.55 24.57 23.59
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 19.70 24.99 20.71 57.97 48.73
Operating Cycle
 18.89 20.96 22.55 24.57 23.59
Cash Flow Ratios
Operating Cash Flow Per Share
 1.17 2.10 0.73 1.92 2.35
Free Cash Flow Per Share
 1.14 1.98 0.30 1.64 2.21
CapEx Per Share
 0.03 0.12 0.43 0.28 0.13
Free Cash Flow to Operating Cash Flow
 0.97 0.94 0.42 0.85 0.94
Dividend Paid and CapEx Coverage Ratio
 1.72 3.89 0.84 2.81 4.37
Capital Expenditure Coverage Ratio
 33.88 17.86 1.71 6.84 17.42
Operating Cash Flow Coverage Ratio
 0.05 0.08 0.09 0.24 0.17
Operating Cash Flow to Sales Ratio
 0.08 0.15 0.06 0.18 0.25
Free Cash Flow Yield
5.85%11.50%1.48%9.34%10.06%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 8.46 9.51 14.97 8.41 8.28
Price-to-Sales (P/S) Ratio
 1.32 1.23 1.63 1.66 2.39
Price-to-Book (P/B) Ratio
 0.88 0.84 1.14 1.03 1.40
Price-to-Free Cash Flow (P/FCF) Ratio
 17.10 8.69 67.42 10.70 9.94
Price-to-Operating Cash Flow Ratio
 16.15 8.21 28.03 9.14 9.37
Price-to-Earnings Growth (PEG) Ratio
 0.14 0.30 -0.44 -0.39 -5.59
Price-to-Fair Value
 0.88 0.84 1.14 1.03 1.40
Enterprise Value Multiple
 8.05 10.74 4.03 3.85 9.30
Enterprise Value
 81.28M 87.16M 24.77M 34.42M 102.92M
EV to EBITDA
 8.05 10.74 4.03 3.85 9.30
EV to Sales
 1.75 1.97 0.63 1.06 3.66
EV to Free Cash Flow
 22.68 13.97 26.00 6.83 15.26
EV to Operating Cash Flow
 22.01 13.19 10.81 5.83 14.38
Tangible Book Value Per Share
 19.24 18.06 15.72 14.64 13.37
Shareholders’ Equity Per Share
 21.47 20.54 17.96 16.92 15.68
Tax and Other Ratios
Effective Tax Rate
 0.24 0.22 0.22 0.24 0.23
Revenue Per Share
 14.74 14.02 12.60 10.51 9.22
Net Income Per Share
 2.26 1.83 1.37 2.08 2.66
Tax Burden
 0.76 0.78 0.78 0.76 0.77
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.26 0.27 0.28 0.31 0.37
Stock-Based Compensation to Revenue
 0.00 0.00 <0.01 <0.01 0.00
Income Quality
 1.24 1.15 0.54 0.92 0.88
Currency in USD