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About the company
Farmers & Merchants Bancorp, Inc. is a bank holding company. The Company’s primary subsidiary, The Farmers & Merchants State Bank (Bank) is a local independent community bank. The Bank is engaged in the general commercial banking business. Its activities include commercial, agricultural, and residential mortgage as well as consumer lending activities. The Bank also provides checking account services, as well as savings and time deposit services such as certificates of deposits. Its loan portfolio is comprised of loans made to customers in the farming industry for such things as farmland, farm equipment, livestock and operating loans for seed, fertilizer, and feed. The Bank provides on-line banking access for consumer and business customers. In addition, it also provides automated teller machines (ATMs) or interactive teller machines (ITMs) at the branch locations along with other independent locations in the market area.
- Revenue in USD (TTM)170.83m
- Net income in USD31.31m
- Incorporated1985
- Employees476.00
- LocationFarmers & Merchants Bancorp Inc307-11 N DEFIANCE STARCHBOLD 43502United StatesUSA
- Phone+1 (419) 446-2501
- Websitehttps://ir.fm.bank/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Avidbank Holdings Inc | -100.00bn | -100.00bn | 328.88m | 143.00 | -- | 1.20 | -- | -- | -- | -- | -- | 25.00 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 13.97 | -- | 25.08 | -- | -- | -- |
| Waterstone Financial Inc | 116.11m | 26.40m | 331.03m | 600.00 | 12.15 | 0.9475 | 16.11 | 2.33 | 1.48 | 1.48 | 7.94 | 19.03 | -- | -- | -- | -- | 1.18 | 1.33 | -- | -- | -- | -- | 18.60 | 17.44 | -- | -- | -- | 54.48 | 2.60 | 8.15 | 41.28 | -20.11 | -- | 4.56 |
| Northeast Community Bancorp Inc | 154.12m | 44.41m | 341.41m | 136.00 | 7.49 | 0.9707 | 9.90 | 3.26 | 3.26 | 3.26 | 7.70 | 25.19 | -- | -- | -- | -- | 2.18 | 2.20 | -- | -- | -- | -- | 42.37 | 41.30 | -- | -- | -- | 14.99 | -3.68 | 25.77 | -5.65 | 29.22 | -- | 62.19 |
| MVB Financial Corp | 172.89m | 32.16m | 351.73m | 453.00 | 11.38 | 1.07 | 10.01 | 2.01 | 2.46 | 2.46 | 13.32 | 26.07 | -- | -- | -- | -- | 0.9662 | 0.9218 | -- | -- | -- | -- | 18.39 | 17.78 | -- | -- | -- | 27.73 | -2.09 | 17.68 | -10.51 | -5.09 | -4.52 | 28.38 |
| USCB Financial Holdings Inc | 145.49m | 26.10m | 355.50m | 199.00 | 15.02 | -- | 14.11 | 3.94 | 1.30 | 1.30 | 4.58 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 28.93 | 29.26 | -- | -- | -- | -- | 10.86 | 22.55 | 5.78 | 27.68 | -- | -- |
| Commercial BancGroup Inc | -100.00bn | -100.00bn | 356.42m | 195.00 | -- | 1.30 | -- | -- | -- | -- | -- | 20.03 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 20.05 | -- | 2.34 | -- | -- | -- |
| Pioneer Bancorp Inc | 105.59m | 19.84m | 367.68m | 255.00 | 18.29 | 1.17 | 16.54 | 3.93 | 0.8017 | 0.8017 | 3.78 | 12.53 | -- | -- | -- | -- | 0.9317 | -- | -- | -- | -- | -- | 21.21 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Farmers & Merchants Bancorp Inc | 170.83m | 31.31m | 377.71m | 476.00 | 11.79 | 1.04 | 9.79 | 3.26 | 2.33 | 2.33 | 8.62 | 26.31 | -- | -- | -- | -- | 0.9409 | 0.9363 | -- | -- | -- | -- | 27.53 | 26.85 | -- | -- | -- | 40.19 | 17.00 | 19.08 | 12.84 | 6.85 | -11.82 | 8.02 |
| RBB Bancorp | 221.13m | 31.95m | 380.21m | 372.00 | 12.16 | 0.7265 | 15.47 | 2.94 | 1.83 | 1.83 | 7.38 | 30.68 | -- | -- | -- | -- | 0.7792 | 1.11 | -- | -- | -- | -- | 24.74 | 32.61 | -- | -- | -- | 25.98 | 2.06 | 9.71 | 19.81 | -0.6025 | -- | 14.17 |
| Bankwell Financial Group Inc | 198.33m | 34.75m | 382.52m | 144.00 | 10.90 | 1.27 | 13.16 | 3.53 | 4.44 | 4.44 | 13.86 | 38.16 | -- | -- | -- | -- | 1.06 | 0.971 | -- | -- | -- | -- | 32.49 | 31.26 | -- | -- | -- | 20.31 | 3.30 | 20.68 | 265.17 | 43.03 | -- | 2.71 |
| Avidia Bancorp Inc | 130.55m | -3.29m | 382.85m | -- | -- | 1.01 | -- | 3.68 | -0.1456 | -0.1456 | 5.39 | 18.88 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -3.16 | -- | -- | -- | -- | -- | 5.54 | -- | -128.64 | -- | -- | -- |
| River Financial Corp | 191.25m | 40.43m | 387.50m | 334.00 | 9.65 | 1.40 | 8.78 | 3.03 | 5.18 | 5.18 | 16.41 | 35.75 | -- | -- | -- | -- | 1.10 | 1.00 | -- | -- | -- | -- | 31.59 | 28.55 | -- | -- | -- | 11.64 | 28.62 | 28.36 | 17.12 | 23.02 | 3.06 | -- |
| Blue Ridge Bankshares Inc | 137.77m | 10.71m | 389.68m | 416.00 | 39.18 | 1.20 | 47.56 | 4.23 | 0.1087 | 0.1087 | 0.987 | 3.54 | -- | -- | -- | -- | 0.4143 | 0.1744 | -- | -- | -- | -- | 11.63 | 3.69 | -- | -- | -- | -- | -14.06 | 20.40 | 169.61 | -9.70 | -- | -- |
| Ponce Financial Group Inc | 185.53m | 27.58m | 400.66m | 216.00 | 13.90 | 1.27 | 28.78 | 3.67 | 1.19 | 1.19 | 4.74 | 22.44 | -- | -- | -- | -- | 0.9165 | 0.3191 | -- | -- | -- | -- | 26.28 | 8.84 | -- | -- | -- | -- | 14.07 | 28.31 | 166.87 | 48.24 | -- | -- |
| Citizens & Northern Corp | 131.14m | 26.91m | 419.03m | 386.00 | 13.40 | 1.24 | 14.07 | 3.68 | 1.75 | 1.75 | 7.42 | 18.93 | -- | -- | -- | -- | 1.02 | 1.08 | -- | -- | -- | -- | 23.83 | 24.48 | -- | -- | -- | 68.16 | 12.84 | 14.61 | 7.45 | 5.82 | -7.86 | 0.73 |
Data as of Feb 13 2026. Currency figures normalised to Farmers & Merchants Bancorp Inc's reporting currency: US Dollar USD
23.62%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 30 Sep 2025 | 818.43k | 5.95% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 590.35k | 4.29% |
| Goelzer Investment Management, Inc.as of 31 Dec 2025 | 485.06k | 3.53% |
| Geode Capital Management LLCas of 30 Sep 2025 | 298.85k | 2.17% |
| Manulife Investment Management (US) LLCas of 30 Sep 2025 | 296.13k | 2.15% |
| SSgA Funds Management, Inc.as of 30 Sep 2025 | 253.34k | 1.84% |
| Dimensional Fund Advisors LPas of 30 Sep 2025 | 181.02k | 1.32% |
| Mendel Money Management, Inc.as of 31 Dec 2025 | 127.55k | 0.93% |
| Gryphon Financial Partners LLCas of 31 Dec 2025 | 100.19k | 0.73% |
| Northern Trust Investments, Inc.(Investment Management)as of 30 Sep 2025 | 96.89k | 0.71% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
