Farmers Merchants Financials

FMAO Stock  USD 31.92  1.11  3.36%   
Based on the key indicators related to Farmers Merchants' liquidity, profitability, solvency, and operating efficiency, Farmers Merchants Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Farmers Merchants' Non Current Assets Total are very stable compared to the past year. As of the 13th of December 2024, Other Assets is likely to grow to about 2.8 B, while Property Plant And Equipment Net is likely to drop about 20.8 M. Key indicators impacting Farmers Merchants' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.460.2381
Way Up
Pretty Stable
Return On Assets0.01160.0069
Way Up
Very volatile
Return On Equity0.10.072
Significantly Up
Very volatile
Debt Equity Ratio1.00.9492
Notably Up
Slightly volatile
Operating Income22.1 M28.4 M
Significantly Down
Slightly volatile
Current Ratio0.370.39
Notably Down
Slightly volatile
The financial analysis of Farmers Merchants is a critical element in measuring its lifeblood. Investors should not minimize Farmers Merchants' ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

13.48 Million

  
Understanding current and past Farmers Merchants Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Farmers Merchants' financial statements are interrelated, with each one affecting the others. For example, an increase in Farmers Merchants' assets may result in an increase in income on the income statement.

Farmers Merchants Stock Summary

Farmers Merchants competes with Home Federal, First Financial, First Northwest, First Capital, and Community West. Farmers Merchants Bancorp, Inc. operates as the bank holding company for The Farmers Merchants State Bank that provides commercial banking services to individuals and small businesses in northwest Ohio and northeast Indiana. Farmers Merchants Bancorp, Inc. was founded in 1897 and is headquartered in Archbold, Ohio. Farmers Merch operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 2 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS30779N1054
CUSIP30779N105
LocationOhio; U.S.A
Business Address307 North Defiance
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.fm.bank
Phone419 446 2501
CurrencyUSD - US Dollar

Farmers Merchants Key Financial Ratios

Farmers Merchants Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets1.6B1.9B2.6B3.0B3.3B3.4B
Net Debt(29.6M)(85.1M)(47.9M)84.5M156.8M164.6M
Retained Earnings160.1M173.6M189.4M212.4M221.1M114.7M
Cash54.4M102.9M146.4M87.5M143.7M150.8M
Other Assets1.0B1.1B1.5B2.4B2.6B2.8B
Total Liab24.8M17.9M98.5M2.7B3.0B3.1B
Total Current Assets276.7M410.7M576.3M473.9M142.2M211.7M
Short Term Debt55.4M30.2M30.7M125.7M29.1M54.1M
Common Stock81.5M81.8M122.7M135.5M135.5M142.3M
Accounts Payable1.3B16.1M2.2B22.1M25.4M24.1M
Other Current Assets55.8M180.4M191.9M88.9M155.1M231.2M
Other Liab479K641K1.0M1.3M1.1M1.1M
Long Term Debt24.8M17.9M98.5M172.1M300.5M315.5M
Inventory600K214K71K159K143.1K135.9K
Treasury Stock(12.5M)(11.9M)(11.7M)(11.6M)(10.4M)(10.9M)
Intangible Assets2.6M3.3M3.2M3.5M5.6M3.3M
Other Current Liab690.6M895.4M1.1B1.3B1.3B868.1M
Net Tangible Assets179.0M201.8M216.7M211.8M243.5M168.4M

Farmers Merchants Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense14.8M10.4M7.3M14.4M58.4M61.3M
Total Revenue63.6M74.9M84.8M100.4M95.7M100.5M
Gross Profit63.6M74.9M84.8M100.4M95.7M100.5M
Operating Income22.6M25.2M29.5M58.7M28.4M22.1M
Ebit22.6M26.2M31.1M40.6M28.4M21.6M
Ebitda23.1M29.5M34.5M44.5M34.1M23.1M
Income Before Tax22.6M25.2M29.5M40.5M28.4M18.3M
Net Income18.4M20.1M23.5M32.5M22.8M13.5M
Income Tax Expense4.2M5.1M6.0M8.0M5.6M4.8M
Tax Provision4.2M5.1M6.0M8.0M5.9M5.5M
Net Interest Income53.3M59.6M69.3M86.5M83.4M57.3M
Interest Income68.0M70.0M76.7M100.8M130.4M70.2M

Farmers Merchants Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash12.9M124.4M5.1M(96.4M)57.8M60.7M
Free Cash Flow20.4M24.2M32.8M38.1M11.2M15.1M
Depreciation3.5M4.3M5.0M4.0M5.2M5.4M
Other Non Cash Items(5.0M)4.6M4.7M9.0M(2.7M)(2.8M)
Dividends Paid6.3M7.2M7.7M10.3M11.3M11.9M
Capital Expenditures3.5M3.2M2.0M2.6M10.9M11.5M
Net Income18.4M20.1M23.5M32.5M22.5M13.5M
End Period Cash Flow51.3M175.7M180.8M84.4M142.2M149.3M
Investments(34.3M)18.1M(83.3M)(356.8M)(245.6M)(233.3M)
Net Borrowings(8.0M)(25.3M)73.3M97.5M112.2M117.8M
Change To Netincome(3.1M)2.4M3.0M12.3M14.1M14.8M

Farmers Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Farmers Merchants's current stock value. Our valuation model uses many indicators to compare Farmers Merchants value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Farmers Merchants competition to find correlations between indicators driving Farmers Merchants's intrinsic value. More Info.
Farmers Merchants Bancorp is rated # 5 in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Farmers Merchants Bancorp is roughly  10.34 . At this time, Farmers Merchants' Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Farmers Merchants' earnings, one of the primary drivers of an investment's value.

Farmers Merchants Bancorp Systematic Risk

Farmers Merchants' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Farmers Merchants volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourty-two with a total number of output elements of nineteen. The Beta measures systematic risk based on how returns on Farmers Merchants Bancorp correlated with the market. If Beta is less than 0 Farmers Merchants generally moves in the opposite direction as compared to the market. If Farmers Merchants Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Farmers Merchants Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Farmers Merchants is generally in the same direction as the market. If Beta > 1 Farmers Merchants moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Farmers Merchants Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Farmers Merchants' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Farmers Merchants growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.43)

At this time, Farmers Merchants' Price Earnings To Growth Ratio is very stable compared to the past year.

Farmers Merchants December 13, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Farmers Merchants help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Farmers Merchants Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Farmers Merchants Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Farmers Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Farmers Merchants's daily price indicators and compare them against related drivers.
When determining whether Farmers Merchants Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Farmers Merchants' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Farmers Merchants Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Farmers Merchants Bancorp Stock:
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Farmers Merchants Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in nation.
You can also try the Analyst Advice module to analyst recommendations and target price estimates broken down by several categories.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Farmers Merchants. If investors know Farmers will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Farmers Merchants listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.36
Dividend Share
0.881
Earnings Share
1.66
Revenue Per Share
7.25
Quarterly Revenue Growth
0.113
The market value of Farmers Merchants Bancorp is measured differently than its book value, which is the value of Farmers that is recorded on the company's balance sheet. Investors also form their own opinion of Farmers Merchants' value that differs from its market value or its book value, called intrinsic value, which is Farmers Merchants' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Farmers Merchants' market value can be influenced by many factors that don't directly affect Farmers Merchants' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Farmers Merchants' value and its price as these two are different measures arrived at by different means. Investors typically determine if Farmers Merchants is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Farmers Merchants' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.