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Upturn AI SWOT - About
FMAO 
Farmers & Merchants Bancorp Inc (FMAO)
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Upturn Advisory Summary
07/09/2025: FMAO (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $26.5
1 Year Target Price $26.5
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.52% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/09/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 362.30M USD | Price to earnings Ratio 13.07 | 1Y Target Price 26.5 |
Price to earnings Ratio 13.07 | 1Y Target Price 26.5 | ||
Volume (30-day avg) 3 | Beta 0.87 | 52 Weeks Range 20.72 - 33.29 | Updated Date 07/9/2025 |
52 Weeks Range 20.72 - 33.29 | Updated Date 07/9/2025 | ||
Dividends yield (FY) 3.49% | Basic EPS (TTM) 2.02 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-15 | When After Market | Estimate 0.4733 | Actual - |
Profitability
Profit Margin 26.44% | Operating Margin (TTM) 35.73% |
Management Effectiveness
Return on Assets (TTM) 0.83% | Return on Equity (TTM) 8.31% |
Valuation
Trailing PE 13.07 | Forward PE 15.92 | Enterprise Value 476948352 | Price to Sales(TTM) 3.48 |
Enterprise Value 476948352 | Price to Sales(TTM) 3.48 | ||
Enterprise Value to Revenue 6.25 | Enterprise Value to EBITDA - | Shares Outstanding 13718100 | Shares Floating 12257339 |
Shares Outstanding 13718100 | Shares Floating 12257339 | ||
Percent Insiders 8.71 | Percent Institutions 27.13 |
Upturn AI SWOT
Farmers & Merchants Bancorp Inc
Company Overview
History and Background
Farmers & Merchants Bancorp, Inc. was founded in 1897 in Archbold, Ohio. It has grown through organic expansion and acquisitions, focusing on community banking services in Northwest Ohio, Northeast Indiana and Southeast Michigan.
Core Business Areas
- Community Banking: Offers traditional banking services, including deposit accounts, loans, and other financial services to individuals, small businesses, and agricultural customers.
- Wealth Management: Provides trust and investment management services to individuals, families, and businesses.
- Insurance Services: Offers a variety of insurance products.
Leadership and Structure
The company is led by a Board of Directors and an executive management team. The structure involves regional presidents and department heads overseeing various banking functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans for businesses for various purposes like working capital, equipment and real estate. Market share for FMAO is concentrated in its operational footprint. Competitors include larger regional and national banks as well as other community banks.
- Residential Mortgages: Mortgages for home purchases and refinancing. Like commercial loans, FMAO's market share is localized. Competitors include national mortgage lenders and other regional/community banks.
- Agricultural Loans: Loans specifically for farmers and agricultural businesses. The company has a significant presence in agricultural lending in its service area. Competitors include Farm Credit Services and other agricultural lenders.
Market Dynamics
Industry Overview
The banking industry is undergoing significant transformation due to increasing regulations, technological advancements, and changing customer preferences. Community banks face competition from larger institutions and fintech companies.
Positioning
Farmers & Merchants Bancorp Inc. positions itself as a community-focused bank providing personalized service and local expertise. Its competitive advantage lies in its strong relationships with customers and knowledge of the local markets.
Total Addressable Market (TAM)
The TAM consists of all potential banking customers within Farmers & Merchants Bancorp Inc.'s geographic footprint. FMAO is positioned to capture a portion of this TAM by leveraging its community focus and personalized service.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Excellent customer service
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on local economy
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Increased demand for community banking
- Acquisition targets
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- MBWM
- TCBI
- WTFC
Competitive Landscape
Farmers & Merchants Bancorp Inc competes with larger regional and national banks, as well as other community banks. Its advantages are its community focus, personalized service, and local expertise. Disadvantages include its smaller scale and limited geographic diversification.
Growth Trajectory and Initiatives
Historical Growth: Farmers & Merchants Bancorp Inc. has historically grown through organic expansion and strategic acquisitions.
Future Projections: Future growth projections require analyst estimates which are not readily available without live data sources. These estimates are typically consensus estimates from financial analysts.
Recent Initiatives: Recent initiatives include investments in technology to enhance customer experience and expand online banking services.
Summary
Farmers & Merchants Bancorp Inc. is a community-focused bank with a strong local presence and solid asset quality. It faces challenges from larger competitors and the changing banking landscape. Key strengths are customer service and local expertise. Opportunities exist in expansion and technology adoption.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports (Limited Availability)
Disclaimers:
This analysis is based on publicly available information and estimates. Actual results may vary. Market share percentages are estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Farmers & Merchants Bancorp Inc
Exchange NASDAQ | Headquaters Archbold, OH, United States | ||
IPO Launch date 2004-11-23 | President, CEO & Director Mr. Lars B. Eller | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 482 | Website https://www.fm.bank |
Full time employees 482 | Website https://www.fm.bank | ||
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, Northeast Indiana, and Southeast Michigan. The company offers checking, savings, and time deposit accounts; certificates of deposit; and custodial services for individual retirement and health savings accounts. It also provides commercial, agricultural, and residential mortgage, as well as consumer lending products; loans for farm land, farm equipment, and livestock; operating loans for seeds, fertilizers, and feeds; home improvement loans; and loans for autos, trucks, recreational vehicles, and motorcycles. In addition, the company offers commercial real estate loans, such as lines of credit and machinery purchase loans. Further, it provides automated teller machine or interactive teller machine services; and online and mobile banking, bill-pay, on-line statement opportunities, and remote deposit capture or electronic deposit processing. Additionally, the company offers electronic transaction origination, such as wire and automated clearing house file transmittal services. Farmers & Merchants Bancorp, Inc. was founded in 1897 and is headquartered in Archbold, Ohio.
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