ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Farmers & Merchants Bancorp, Inc. (Ohio) ?
1
High Profitability with a Net Interest Margin of 10.61%
2
The company has declared Positive results for the last 4 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 38.08 MM
- NII(Q) Highest at USD 25.71 MM
- NET SALES(Q) Highest at USD 43.49 MM
3
With ROA of 0.56%, it has a attractive valuation with a 0.99 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 -24.13%, its profits have risen by 26.3% ; the PEG ratio of the company is 0.5
4
High Institutional Holdings at 27.81%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Below par performance in long term as well as near term
- Along with generating -24.13% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow 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?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Farmers & Merchants Bancorp, Inc. (Ohio)
-21.58%
0.27
39.98%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
19.55%
EBIT Growth (5y)
9.44%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
46.56%
Pledged Shares
0
Institutional Holding
27.81%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
0.99
EV to EBIT
14.19
EV to EBITDA
12.79
EV to Capital Employed
0.99
EV to Sales
2.73
PEG Ratio
0.48
Dividend Yield
NA
ROCE (Latest)
6.99%
ROE (Latest)
7.86%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
Bullish
No Signal
Bollinger Bands
Sideways
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 38.08 MM
NII(Q)
Highest at USD 25.71 MM
NET SALES(Q)
Highest at USD 43.49 MM
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Farmers & Merchants Bancorp, Inc. (Ohio)
NII
Highest at USD 25.71 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 38.08 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 43.49 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
CASA
Highest at 11.39%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
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