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

Financial Institutions, Inc.

Fidelity D&D Bancorp, Inc.

Bridgewater Bancshares, Inc.

Orange County Bancorp, Inc.

RBB Bancorp

Farmers & Merchants Bancorp, Inc. (Ohio)

John Marshall Bancorp, Inc.

Citizens & Northern Corp.

Civista Bancshares, Inc.

First Business Financial Services, Inc.

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 Dec 25

The company has declared positive results for the last 4 consecutive quarters
NII(Q) Highest at USD 27.77 MM
ROCE(HY) Highest at 0.97%
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.61%, it has a attractive valuation with a 1.04 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 4.77%, its profits have risen by 37.7% ; the PEG ratio of the company is 0.3

High Institutional Holdings at 32.85%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 4.5% over the previous quarter.

Underperformed the market in the last 1 year

The stock has generated a return of 4.77% in the last 1 year, much lower than market (S&P 500) returns of 19.17%

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, Low Return

Absolute

Risk Adjusted

Volatility

Farmers & Merchants Bancorp, Inc. (Ohio)

4.43%

0.23

40.65%

S&P 500

20.12%

0.99

19.34%

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)

7.34%

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

32.85%

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

1.04

EV to EBIT

15.20

EV to EBITDA

13.39

EV to Capital Employed

1.03

EV to Sales

2.99

PEG Ratio

0.34

Dividend Yield

ROCE (Latest)

6.78%

ROE (Latest)

8.29%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Mildly Bullish (Daily)

KST

Bullish

Bearish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

No Trend

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

15What is working for the Company

NII(Q)

Highest at USD 27.77 MM

ROCE(HY)

Highest at 0.97%

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(HY)

Highest at 99.31%

NET SALES(Q)

Highest at USD 44.57 MM

OPERATING PROFIT(Q)

Highest at USD 12.83 MM

OPERATING PROFIT MARGIN(Q)

Highest at 28.8 %

PRE-TAX PROFIT(Q)

Highest at USD 12.83 MM

NET PROFIT(Q)

Highest at USD 9.79 MM

EPS(Q)

Highest at USD 0.71

-4What is not working for the Company

ROCE(HY)

Lowest at 0.97%

GROSS NPA (%)

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

NII

Highest at USD 27.77 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 44.57 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 12.83 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 28.8 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 12.83 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 9.79 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.71

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)

Credit Deposit Ratio

Highest at 99.31%

in the last four Semi-Annual periods

MOJO Watch

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

Credit Deposit Ratio (%)

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

Non Performing Loans (%)

Highest at 0.42%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)