Christopher Oswald - Farmers VP

FMFG Stock  USD 18.00  3.15  21.21%   

Insider

Christopher Oswald is VP of Farmers and Merchants
Age 61
Phone410 374 1510
Webhttps://www.fmb1919.bank

Farmers Management Efficiency

The company has return on total asset (ROA) of 0.0113 % which means that it generated a profit of $0.0113 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.155 %, meaning that it created $0.155 on every $100 dollars invested by stockholders. Farmers' management efficiency ratios could be used to measure how well Farmers manages its routine affairs as well as how well it operates its assets and liabilities.
Farmers and Merchants currently holds 25.99 M in liabilities with Debt to Equity (D/E) ratio of 7.63, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Farmers until it has trouble settling it off, either with new capital or with free cash flow. So, Farmers' shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Farmers and Merchants sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Farmers to invest in growth at high rates of return. When we think about Farmers' use of debt, we should always consider it together with cash and equity.

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Farmers and Merchants Bancshares, Inc., through its subsidiary Farmers and Merchants Bank, provides commercial and retail banking services to individuals and businesses in Baltimore and Carroll counties in Maryland, and surrounding areas of northern Maryland. Farmers and Merchants Bancshares, Inc. was founded in 1919 and is headquartered in Hampstead, Maryland. Farmers Merchants operates under BanksRegional classification in the United States and is traded on OTC Exchange. It employs 81 people. Farmers and Merchants [FMFG] is a Pink Sheet which is traded through a dealer network over-the-counter (OTC).

Management Performance

Farmers and Merchants Leadership Team

Elected by the shareholders, the Farmers' board of directors comprises two types of representatives: Farmers inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Farmers. The board's role is to monitor Farmers' management team and ensure that shareholders' interests are well served. Farmers' inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Farmers' outside directors are responsible for providing unbiased perspectives on the board's policies.

Farmers Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right pink sheet is not an easy task. Is Farmers a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

Currently Active Assets on Macroaxis

Other Information on Investing in Farmers Pink Sheet

Farmers financial ratios help investors to determine whether Farmers Pink Sheet is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in Farmers with respect to the benefits of owning Farmers security.