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Last update at 2026-06-08T20:01:00Z
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Farmers & Merchants Bancorp (FMCB) Announces Special Stock Buyback Program
Thu 13 Nov 25, 06:30 PMFarmers & Merchants Bancorp, Inc. Reports 2025 First-Quarter Financial Results
Mon 28 Apr 25, 09:49 PMFarmers & Merchants Bancorp, Inc. Declares 2025 First-Quarter Cash Dividend
Tue 25 Mar 25, 08:30 PMF&M Bank Welcomes Carly Buchanan as Chief People Officer
Fri 14 Feb 25, 07:33 PMFarmers & Merchants Bancorp, Inc. Reports 2024 Fourth-Quarter and Full-Year Financial Results
Wed 12 Feb 25, 09:30 PMF&M Bank Welcomes Peter Schork as Regional President for Toledo, Ohio & Southeast Michigan
Tue 11 Feb 25, 12:24 AMF&M Bank Welcomes Peter Schork as Market President for Toledo, OH & Birmingham, MI
Mon 10 Feb 25, 08:28 PM| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 42.52M | 32.57M | 28.35M | 40.48M | 29.50M |
| Minority interest | - | - | - | - | - |
| Net income | 33.31M | 25.94M | 22.79M | 32.52M | 23.50M |
| Selling general administrative | 7.87M | 46.24M | 42.79M | 40.09M | 36.75M |
| Selling and marketing expenses | 2.20M | 2.14M | 2.61M | 1.65M | 1.44M |
| Gross profit | 117.75M | 98.63M | 91.89M | 100.37M | 84.83M |
| Reconciled depreciation | 6.99M | 6.37M | 5.50M | 0.14M | 1.58M |
| Ebit | - | 32.57M | 28.35M | 58.71M | 29.50M |
| Ebitda | 42.52M | 38.95M | 34.13M | 58.85M | 31.08M |
| Depreciation and amortization | - | 6.37M | 5.77M | 0.14M | 1.58M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 42.52M | 32.57M | 28.35M | 58.71M | 29.50M |
| Other operating expenses | 146.57M | 143.99M | 123.69M | -41.65600M | -55.33000M |
| Interest expense | 69.25M | 77.66M | 58.41M | 14.36M | 7.34M |
| Tax provision | 9.22M | 6.63M | 5.94M | 7.96M | 6.00M |
| Interest income | 172.34M | 162.21M | 130.39M | 100.83M | 76.67M |
| Net interest income | 103.08M | 84.55M | 83.38M | 86.47M | 69.32M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 9.22M | 6.63M | 5.57M | 7.96M | 6.00M |
| Total revenue | 189.09M | 176.56M | 152.05M | 100.37M | 84.83M |
| Total operating expenses | 75.23M | 66.06M | 63.54M | -41.65600M | -55.33000M |
| Cost of revenue | 71.34M | 77.93M | 60.16M | - | - |
| Total other income expense net | - | 149.18M | 28.35M | -18.23500M | -7.34200M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 33.31M | 25.94M | 24.43M | 32.52M | 23.50M |
| Net income applicable to common shares | - | - | - | 32.52M | 23.50M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 3434.38M | 3364.72M | 3283.23M | 3015.35M | 2638.30M |
| Intangible assets | 5.17M | 5.66M | 5.65M | 3.55M | 3.16M |
| Earning assets | - | - | - | - | - |
| Other current assets | -11.70000M | 3.98M | 155.14M | 0.83M | 1513.37M |
| Total liab | 3063.52M | 3029.51M | 2966.69M | 2717.21M | 98.54M |
| Total stockholder equity | 370.86M | 335.21M | 316.54M | 298.14M | 297.17M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 0.96M | 2689.76M | 1348.23M | 2468.86M | 2.46M |
| Common stock | 135.53M | 135.56M | 135.51M | 135.50M | 122.67M |
| Capital stock | 135.53M | 135.56M | 135.51M | 135.50M | 122.67M |
| Retained earnings | 257.86M | 235.85M | 221.08M | 212.45M | 189.40M |
| Other liab | - | - | - | 1.26M | 1.04M |
| Good will | 86.36M | 86.36M | 86.36M | 86.36M | 80.43M |
| Other assets | 2796.84M | 2643.13M | 0.00000M | 2426.74M | 1513.37M |
| Cash | 97.72M | 177.34M | 143.66M | 87.53M | 146.40M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 38.68M | 2716.98M | 1377.32M | 2490.93M | 2213.33M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 202.31M | 130.75M | 190.93M | 84.54M | -47.86200M |
| Short term debt | 37.72M | 27.22M | 29.09M | - | - |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | 300.03M | 308.09M | 334.59M | 172.07M | 98.54M |
| Other stockholder equity | -10.63600M | -10.98500M | -11.04000M | -11.57300M | -11.72400M |
| Property plant equipment | - | - | - | 28.38M | 26.91M |
| Total current assets | 519.32M | 605.39M | 155.14M | 473.87M | 576.33M |
| Long term investments | 435.10M | 440.96M | 375.62M | 400.59M | 438.09M |
| Net tangible assets | - | - | - | 211.78M | 216.73M |
| Short term investments | 0.47M | 426.56M | 358.48M | 390.79M | 429.93M |
| Net receivables | 11.70M | - | - | - | - |
| Long term debt | 262.31M | 280.87M | 300.45M | 172.07M | 98.54M |
| Inventory | - | - | - | - | 0.16M |
| Accounts payable | - | - | - | 22.07M | 2193.46M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -11.88800M | -25.22300M | -29.01200M | -38.23300M | -3.18400M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | 135.50M | 122.67M |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | 212.45M | 189.40M |
| Treasury stock | - | - | - | -11.57300M | -11.72400M |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | -3134.80100M | 81.55M | 43.87M | -404.41500M | -548.59700M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 118.22M | 2760.83M | 3128.09M | 114.74M | 548.60M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | 44.59M | 74.47M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 18.61M | -44.36200M | -245.61800M | -356.82600M | -83.28900M |
| Change to liabilities | - | - | - | 0.00000M | 0.00000M |
| Total cashflows from investing activities | -138.35000M | -44.36200M | -194.08800M | -389.90400M | -265.69400M |
| Net borrowings | -18.69200M | -19.67800M | 128.34M | 97.54M | 73.29M |
| Total cash from financing activities | 23.33M | 46.04M | 229.73M | 252.82M | 236.07M |
| Change to operating activities | - | - | - | -5.26500M | 3.17M |
| Net income | 33.31M | 25.94M | 22.79M | 32.52M | 23.50M |
| Change in cash | -78.63300M | 34.15M | 57.79M | -96.41400M | 5.12M |
| Begin period cash flow | 176.35M | 142.20M | 84.41M | 180.82M | 175.71M |
| End period cash flow | 97.72M | 176.35M | 142.20M | 84.41M | 180.82M |
| Total cash from operating activities | 36.39M | 32.47M | 22.15M | 40.67M | 34.74M |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | 6.99M | 6.37M | 5.77M | 4.02M | 4.99M |
| Other cashflows from investing activities | -138.35000M | 21.62M | -215.74700M | -30.47800M | 0.01M |
| Dividends paid | 12.09M | 11.92M | 11.34M | -10.27600M | -7.67000M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | - | - | - | - | - |
| Sale purchase of stock | -0.36200M | -0.66400M | -0.21800M | -0.30800M | -0.33800M |
| Other cashflows from financing activities | 43.97M | 78.30M | 112.95M | 330.80M | 244.24M |
| Change to netincome | - | - | - | 12.30M | 3.04M |
| Capital expenditures | 1.77M | 1.87M | 10.93M | 2.60M | 1.97M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | -10.24400M | 1.21M |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | -96.41400M | 5.12M |
| Change in working capital | -1.44900M | 3.78M | -7.42200M | -5.95600M | 2.53M |
| Stock based compensation | 1.58M | 1.55M | 1.46M | 0.90M | 0.82M |
| Other non cash items | 4.53M | -5.46900M | -2.68200M | 9.02M | 4.71M |
| Free cash flow | 34.62M | 30.60M | 11.22M | 38.07M | 32.78M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| FMAO Farmers & Merchants Bancorp Inc |
0.05 0.18% | 28.14 | 11.04 | 15.92 | 3.09 | 1.01 | 5.41 |
| HDB HDFC Bank Limited ADR |
-0.4 1.71% | 23.01 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
0.24 0.79% | 30.71 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
-0.03 0.06% | 50.45 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.92 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
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 farmland, 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.
307 North Defiance Street, Archbold, OH, United States, 43502
| Name | Title | Year Born |
|---|---|---|
| Mr. Lars B. Eller | Pres, CEO & Director | 1967 |
| Ms. Barbara J. Britenriker | Exec. VP, CFO & Chief Retail Banking Officer | 1962 |
| Ms. Shalini Singhal | Sr. VP & Chief Information Officer | 1976 |
| Ms. Benet S. Rupp | Exec. VP & Chief Admin. Officer | 1966 |
| Ms. Marilyn K. Johnson | VP and Compliance & CRA Mang. | NA |
| Deborah L. Shinabery | VP of Sales & Retail Skills Devel. Mang. | NA |
| Ms. Amy L. Cover | VP & Chief Marketing Officer | NA |
| Ms. Diann K. Meyer-Grieser | VP & Human Resource Mang. | 1961 |
| Ms. Alexis Smith | VP & Chief People Officer | NA |
| Mr. David R. Gerken | Sr. VP & Sr. Commercial Banking Mang. | NA |
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