FARMERS & MERCHANTS BANCORP INC(FMAO)Stock Analysis
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Rank #796 of 2,962 stocksTOP 50%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
FMAO Stock Analysis & AI Quality Score
Data updated 2026-09-11AI stock analysis and institutional research for FARMERS & MERCHANTS BANCORP INC (FMAO), a Financials sector company. 13F Pro's AI-powered ranking engine scores FMAO at 61.3/100 on a 32-signal composite quality model, placing it at rank #796 of 2,962 stocks — the top half of the AI-ranked universe. FMAO scores in the top quartile across profitability (92.2), free cash flow (85.4). Areas of concern include revenue scale (19.1) and earnings quality (38.9), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), FARMERS & MERCHANTS BANCORP INC reports quarterly revenue of $34.4M, net income of $11.8M, free cash flow of $10.6M. Top institutional holders of FMAO by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, GEODE CAPITAL MANAGEMENT, based on the most recent SEC filings. FMAO trades on the Nasdaq exchange and files with the SEC under CIK 792966. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FMAO daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FARMERS & MERCHANTS BANCORP INC directly from SEC EDGAR. FARMERS & MERCHANTS BANCORP INC's 13F Pro composite quality score has ranged between 35 and 61 since 2026, currently 61.3 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.
Revenue
Q2 2026
$34.4M
Net Income
Q2 2026
$11.8M
Free Cash Flow
Q2 2026
$10.6M
ROIC
Q2 2026
15.3%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · ProRevenue
+19.6% YoYNet Income
+28.4% YoYEPS (Diluted)
+27.9% YoYTotal Assets
+2.1% YoYOp. Cash Flow
+13.1% YoYFree Cash Flow
+14.3% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $121.4M +19.6% | $101.5M +4.3% | $97.3M -5.1% | $102.6M +17.8% | $87.1M +13.8% | $76.6M |
| Net Income | $33.3M +28.4% | $25.9M +13.8% | $22.8M -29.9% | $32.5M +38.4% | $23.5M +16.9% | $20.1M |
| EPS (Diluted) | $2.43 +27.9% | $1.90 +13.8% | $1.67 -32.1% | $2.46 +22.4% | $2.01 +11.7% | $1.80 |
| Total Assets | $3.43B +2.1% | $3.36B +2.5% | $3.28B +8.9% | $3.02B +14.3% | $2.64B +38.2% | $1.91B |
| Operating Cash Flow | $36.7M +13.1% | $32.5M +46.6% | $22.1M -45.5% | $40.7M +17.1% | $34.7M +26.9% | $27.4M |
| Free Cash Flow | $35.0M +14.3% | $30.6M +172.8% | $11.2M -70.5% | $38.1M +16.1% | $32.8M +35.7% | $24.2M |
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Top Institutional Holders of FMAO
BlackRock, Inc.
$33.2M1,087,009 shVANGUARD CAPITAL MANAGEMENT LLC
$17.7M577,302 shGEODE CAPITAL MANAGEMENT, LLC
$10.2M334,406 shMANUFACTURERS LIFE INSURANCE COMPANY, THE
$8.8M289,178 shDIMENSIONAL FUND ADVISORS LP
$8.2M268,387 shSTATE STREET CORP
$8.2M268,035 shGoelzer Investment Management, Inc.
$6.8M223,604 shAMERICAN CENTURY COMPANIES INC
$5.7M186,959 shMendel Money Management
$3.5M115,877 shNORTHERN TRUST CORP
$3.3M106,346 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $33.2M | 1,087,009 |
| VANGUARD CAPITAL MANAGEMENT LLC | $17.7M | 577,302 |
| GEODE CAPITAL MANAGEMENT, LLC | $10.2M | 334,406 |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $8.8M | 289,178 |
| DIMENSIONAL FUND ADVISORS LP | $8.2M | 268,387 |
| STATE STREET CORP | $8.2M | 268,035 |
| Goelzer Investment Management, Inc. | $6.8M | 223,604 |
| AMERICAN CENTURY COMPANIES INC | $5.7M | 186,959 |
| Mendel Money Management | $3.5M | 115,877 |
| NORTHERN TRUST CORP | $3.3M | 106,346 |
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Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.
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Popular Research
Is FMAO a good stock to buy?
13F Pro's AI-powered analysis of FARMERS & MERCHANTS BANCORP INC (FMAO) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FMAO are available on the FMAO stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. FMAO is classified as a small company.
Which hedge funds own FMAO?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FMAO. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FARMERS & MERCHANTS BANCORP INC's investment landscape.