Farmers & Merchants Bancorp, Inc. (Ohio) (FMAO) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

RBB Bancorp

Bridgewater Bancshares, Inc.

Orange County Bancorp, Inc.

Farmers & Merchants Bancorp, Inc. (Ohio)

John Marshall Bancorp, Inc.

Financial Institutions, Inc.

Civista Bancshares, Inc.

Fidelity D&D Bancorp, Inc.

First Business Financial Services, Inc.

Citizens & Northern Corp.

Home Bancorp, Inc.

Why is Farmers & Merchants Bancorp, Inc. (Ohio) ?

High Profitability with a Net Interest Margin of 9.92%

With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26

ROCE(HY) Highest at 1.15%
OPERATING PROFIT MARGIN(Q) Highest at 32.35 %
NII(Q) Highest at USD 28.92 MM

With ROA of 0.61%, it has a attractive valuation with a 1.00 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 47.53%, its profits have risen by 29% ; the PEG ratio of the company is 0.4

High Institutional Holdings at 38.43%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 6.22% over the previous quarter.

Market Beating Performance

The stock has generated a return of 47.53% in the last 1 year, much higher than market (S&P 500) returns of 22.36%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Farmers & Merchants Bancorp, Inc. (Ohio) should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Farmers & Merchants Bancorp, Inc. (Ohio) for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

Farmers & Merchants Bancorp, Inc. (Ohio)

47.53%

1.47

36.61%

S&P 500

22.36%

1.70

13.18%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

19.85%

EBIT Growth (5y)

7.09%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

37.09%

Pledged Shares

Institutional Holding

32.21%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.00

EV to EBIT

14.88

EV to EBITDA

12.99

EV to Capital Employed

1.00

EV to Sales

3.18

PEG Ratio

0.40

Dividend Yield

ROCE (Latest)

6.72%

ROE (Latest)

8.87%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

Mildly Bullish

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

16What is working for the Company

ROCE(HY)

Highest at 1.15%

OPERATING PROFIT MARGIN(Q)

Highest at 32.35 %

NII(Q)

Highest at USD 28.92 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 45.65 MM

OPERATING PROFIT(Q)

Highest at USD 14.77 MM

PRE-TAX PROFIT(Q)

Highest at USD 14.77 MM

NET PROFIT(Q)

Highest at USD 11.65 MM

EPS(Q)

Highest at USD 0.86

-4What is not working for the Company

ROCE(HY)

Lowest at 1.15%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 26.85%

CREDIT DEPOSIT RATIO(HY)

Lowest at 94.27%

Here's what is working for Farmers & Merchants Bancorp, Inc. (Ohio)

Operating Profit Margin

Highest at 32.35 % and Grown

In each period in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

NII

Highest at USD 28.92 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Net Sales

Highest at USD 45.65 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 14.77 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD 14.77 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 14.77 MM has Grown at 52.25%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 11.65 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD 11.65 MM has Grown at 53.01%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.86

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Here's what is not working for Farmers & Merchants Bancorp, Inc. (Ohio)

Credit Deposit Ratio

Lowest at 94.27%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Dividend Payout Ratio

Lowest at 26.85%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)