Farmers & Merchants Bancorp, Inc. operates as a holding company for Farmers & Merchants Bank of Central California (the ‘bank’ or ‘F&M Bank’) that operates all financial service activities.
Market Area
The company’s primary service area is the mid…
Analysis
Middle-of-the-road
Farmers & Merchants Bancorp, Inc. is a middle-of-the-road business: neither the economics nor the price stand out from the peer group.
The price is attractive. You pay 9.4× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.
The trajectory is moderate and the balance sheet is adequate. The company scores 13/20 on our value-creation score: creating some value. Analyst sentiment is cautious.
What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.
360° rank · history
1007550250
Jan 20239
10
2023202420252026
All-time high
57
Feb 2026
All-time low
4
Jan 2025
Average rank
19
across all years
Detailed & Historical Ranks
Deep dive into 15 detailed ranks and 3 years of history.
Current202520242023
Price/Sales
43
31
7
5
Price/Earnings
74
7
7
13
Price/Book
84
54
48
29
Dividend Yield
81
71
59
63
Value (overall)
83
27
14
7
Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.