MARKET WIRESeeking Alpha • 19h ago
Farmers & Merchants Bancorp: Rising NIM Supports Re-Rating (NASDAQ:FMAO)Seeking Alpha report covering Farmers & Merchants Bancorp Inc. (FMAO) market action, institutional positioning, and fundamental catalysts.
Why FMAO Stock slipped -1.86% Today — RQD Quant Desk Flash
$36.42 -1.86% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $36.23
Farmers & Merchants Bancorp Inc. (FMAO) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
ROARABLE C+ • HOLD / WATCH
Cap $501.2M
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER
Click Any Pre-Computed AI Quant Specialist Briefing on FMAO Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is FMAO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Farmers & Merchants Bancorp Inc. (NASDAQ: FMAO) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $36.42 (-1.86% 1D, market cap $501.2M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, FMAO ranks #157 in composite RQD confidence.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does FMAO compare to NRIM and PDLB in the Financials sector?
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Within the Financials sector (Savings Institutions), FMAO carries a Roarable C+ (68/100 RQD), trailing P/E of 15.3x, gross margin of —, and ROIC of 9.0%. By comparison, NRIM (Northrim BanCorp Inc) holds a C grade (62/100 RQD, P/E 8.3x, ROIC 19.8%, cap $530.5M) and PDLB (Ponce Financial Group Inc.) posts a C+ grade (68/100 RQD, P/E 19.9x, ROIC 5.1%, cap $544.0M). Among the 5-stock peer group, NRIM leads on earnings multiple (8.3x) while NRIM leads on capital efficiency (19.8% ROIC).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for FMAO?
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Per FMAO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000792966), Farmers & Merchants Bancorp Inc. generated $0 in revenue, $33.3M in net income, and $35.0M in free cash flow against $3.43B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $36.23 (-0.52%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 0.9% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY • 56.9% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →RQD QUANT TACHOMETERHOLD / WATCH • C+
JEV AI Jury Split (Battleground)
Cash
SEC
Whale
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
5-PILLAR SNOWFLAKE RADARRw B- · Rk C
Each axis scored 0–20
12M PRICE TARGET CONE+4.5% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FMAO)Realized 20D OHLCV Swing Band: ±5.9%
Deterministic 5-Pillar Attribution (68/100 Composite)
🔍 WHY FMAO SCORES 68/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (21% of score)
20D Institutional Volume Accumulation (±5.9% realized swing band)
▼ #1 Drag / Risk Factor: Cash Engine Quality12/20 pts (-8 pt drag)
Capital intensity & 0% operating margin leave 8 pts on the table
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade C$34.98+1.6% Next Q
60
Q2 (-2Q)Grade C+$35.55+2.5% Next Q
63
Q3 (-1Q)Grade C+$36.45-0.1% Next Q
65
CurrentGrade C+$36.42+1.8% Hist 90D α
68
Trajectory: C (60) → C+ (68)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER
⚔️ Adversarial Opposing Case: Why the FMAO Bull Thesis Could Fail
Even with a 68/100 (C+) score, FMAO faces multiple-compression risk if 15.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
⚠️ Forensic Kill-Switch #1
Broader market pullbacks can still drag down strong stocks in the short run.
⚠️ Forensic Kill-Switch #2
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
⚠️ Forensic Kill-Switch #3
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($35.27) or 200D SMA ($30.15) invalidates the momentum regime and cuts Target Base ($38.06) toward Bear Floor ($29.69).
🎲 LIVE PREDICTION MARKET ODDS TIED TO $FMAO• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “FMAO Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why FMAO Stock slipped -1.86% Today — RQD Quant Desk Flash
Farmers & Merchants Bancorp Inc. (FMAO) slipped -1.86% to $36.42, trading at 92% of its 52-week range ($22.91 – $37.6). Solid steady margins (9% return on capital), mixed timing at 15x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 92% of its 52-week range ($22.91 – $37.6) with RSI-14 at 55.6 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.9% around $36.42 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 52% gross margin and $35.0M annual free cash flow.
Live FMAO Headlines & Catalysts
CATALYSTInvesting.com • 22h ago
Farmers & Merchants Bancorp earnings beat by $0.04, revenue topped estimatesInvesting.com report covering Farmers & Merchants Bancorp Inc. (FMAO) market action, institutional positioning, and fundamental catalysts.
MARKET WIREGuruFocus • 1d ago
Farmers & Merchants Bancorp (FMAO) Reports Tangible Book Value GGuruFocus report covering Farmers & Merchants Bancorp Inc. (FMAO) market action, institutional positioning, and fundamental catalysts.
MARKET WIREwww.marketscreener.com • 1d ago
Farmers & Merchants Bancorp, Inc. Reports Net Charge Offs for the Three Months Ended September 30, 2026www.marketscreener.com report covering Farmers & Merchants Bancorp Inc. (FMAO) market action, institutional positioning, and fundamental catalysts.
MARKET WIREStock Titan • 1d ago
Diluted earnings per share reach $0.84 as Q3 profit rises at Farmers & Merchants Bancorp (FMAO).Stock Titan report covering Farmers & Merchants Bancorp Inc. (FMAO) market action, institutional positioning, and fundamental catalysts.
MARKET WIREQuiver Quantitative • 1d ago
Farmers & Merchants Bancorp Q3 Net Income Rises 30.3% to $11.5 MillionQuiver Quantitative report covering Farmers & Merchants Bancorp Inc. (FMAO) market action, institutional positioning, and fundamental catalysts.
MARKET WIREStock Traders Daily • 1d ago
Understanding Momentum Shifts in (FMAO)Stock Traders Daily report covering Farmers & Merchants Bancorp Inc. (FMAO) market action, institutional positioning, and fundamental catalysts.
CATALYSTBenzinga • 8d ago
Piper Sandler Maintains Neutral on Farmers & Merchants, Raises Price Target to $39Piper Sandler analyst Adam Kroll maintains Farmers & Merchants (NASDAQ:FMAO) with a Neutral and raises the price target from $36 to $39.
CATALYSTSeekingAlpha • 17d ago
Dividend Champion, Contender, And Challenger Highlights: Week Of October 18A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Read full analysis here.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk
Scheduled RQD Strong Buys & Whale Accumulation Briefing (FMAO Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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FMAO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +37.69%▲ ASCENDING CHANNEL
2026-11-03O $37.11H $37.11L $36.42C $36.42VOL 48.9K
RES: $37.83SUP: $34.46SMA50: $35.27SMA200: $30.15
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
FMAO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor (#25)
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle (#30)
7.6%/yr Implied 5Y Growth
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
Ellis Vennor Setup Ledger (#33)
No active Ellis Vennor swing setup published on FMAO today. View full Setup Ledger →
🦋 Documented & Second-Order Butterfly Connections
Open Graph →
No direct multi-tier Butterfly edges indexed yet for FMAO. Explore sector supply chains on /butterfly.
AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FMAO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FMAO)
Financials Rank #157 of 1096
⚔️ NRIM vs FMAO Full Matrix →
1. Head-to-Head Financials Peer Comparison (FMAO vs. NRIM, PDLB, KRNY, WSBF)
Industry: Savings Institutions (33 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Farmers & Merchants Bancorp Inc. (FMAO) ranks #157 by composite RQD confidence (68/100, grade C+) and #699 by equity capitalization ($501.2M). Within this direct 5-issuer industry benchmark cohort, NRIM leads on earnings valuation at 8.3x trailing P/E, while NRIM leads on capital efficiency and profitability with 19.8% ROIC and — gross margin. FMAO currently leads its immediate peer cohort in composite quantitative strength at 68/100 (C+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| FMAO
ACTIVE
Farmers & Merchants Bancorp Inc. | C+ | 68/100 | 15.3x | — | 9.0% | -1.86% | $501.2M | Benchmark Subject |
| NRIM Northrim BanCorp Inc | C | 62/100 | 8.3x | — | 19.8% | -1.36% | $530.5M | /nrim-vs-fmao → |
| PDLB Ponce Financial Group Inc. | C+ | 68/100 | 19.9x | — | 5.1% | -0.84% | $544.0M | /pdlb-vs-fmao → |
| KRNY Kearny Financial Corp | D+ | 54/100 | 23.0x | — | 3.4% | -1.19% | $592.2M | /krny-vs-fmao → |
| WSBF Waterstone Financial Inc. (MD) | D+ | 58/100 | 13.5x | — | 7.6% | -1.41% | $351.5M | /wsbf-vs-fmao → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000792966In its most recent audited fiscal period (FY2025, filed 2025-12-31), Farmers & Merchants Bancorp Inc. (FMAO) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $33.3M, operating cash flow of $36.7M, and free cash flow of $35.0M (+14.3% YoY). On the balance sheet, FMAO closed FY2025 with $3.43B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $33.3M | $36.7M | $35.0M | $3.43B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $25.9M | $32.5M | $30.6M | $3.36B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $22.8M | $22.1M | $22.1M | — | — |
3. FMAO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs FMAO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-03, Farmers & Merchants Bancorp Inc. (NASDAQ: FMAO) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $36.42 (-1.86% 1D, market cap $501.2M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, FMAO ranks #157 in composite RQD confidence.
How does FMAO compare to NRIM and PDLB in the Financials sector?
Within the Financials sector (Savings Institutions), FMAO carries a Roarable C+ (68/100 RQD), trailing P/E of 15.3x, gross margin of —, and ROIC of 9.0%. By comparison, NRIM (Northrim BanCorp Inc) holds a C grade (62/100 RQD, P/E 8.3x, ROIC 19.8%, cap $530.5M) and PDLB (Ponce Financial Group Inc.) posts a C+ grade (68/100 RQD, P/E 19.9x, ROIC 5.1%, cap $544.0M). Among the 5-stock peer group, NRIM leads on earnings multiple (8.3x) while NRIM leads on capital efficiency (19.8% ROIC).
What are the biggest fundamental strengths and SEC risk factors for FMAO?
Per FMAO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000792966), Farmers & Merchants Bancorp Inc. generated $0 in revenue, $33.3M in net income, and $35.0M in free cash flow against $3.43B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is FMAO trading relative to its 50-day, 200-day, and 52-week technical levels?
FMAO last traded at $36.42 (-1.86% on volume of 48,886 shares), positioning the stock +3.26% above its 50-day simple moving average ($35.27) and +20.80% above its 200-day simple moving average ($30.15). Across its 52-week range of $22.91 to $37.60, FMAO sits at the 92.0% percentile with a 14-day RSI of 55.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.9% ($34.27 to $38.57).
FMAO Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is FMAO stock moving today?
Why FMAO Stock slipped -1.86% Today — RQD Quant Desk Flash. Solid steady margins (9% return on capital), mixed timing at 15x P/E—hold if owned, no rush to chase.
ROARABLE RATING BRIEF • RQD 68/100 (C+)
✓ STAGE-C NUMBER FIREWALL VERIFIED
FMAO — Farmers & Merchants Bancorp Inc.: What the Facts Mean to a Prospective Investor
Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:35:38Z
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, FMAO scores 68 out of 100 for a letter grade of C+ and a verdict of "Roarable Hold — Upper Neutral / Watch for Breakout." Across the five pillars:
- Fundamental Cash Engine (12/20): Per the RQD rating, ROIC is 9% and FCF yield is 6.85%. These are respectable cash-generation markers, but the pillar score sits below the midpoint, suggesting the cash engine is adequate rather than exceptional. Source financials do not report revenue or operating income, so the pillar cannot be decomposed further from the provided data.
- Whale 13F Flow (14/20): The RQD rating assigns a score reflecting institutional accumulation and options positioning. The holders section contains no 13F detail, so the underlying flow cannot be verified from source data here.
- Insider Conviction (16/20): The highest pillar, reflecting SEC Form 4 and Congressional PTR cluster flow per the RQD rating. The insider transaction detail itself is not included in the source data, so this strength cannot be traced to specific trades.
- Macro Regime Fit (13/20): Per the RQD rating, beta is 1.0 and sector sensitivity is moderate. The market data confirms beta of 1.0, implying market-matching volatility rather than amplified risk.
- Forensic Balance Sheet (13/20): Per the RQD rating, Altman Z is 2.5, Piotroski F is 5/9, and Debt/Equity is 0.5. These are mid-range readings: not a distress signal, but not a clean bill of health either.
Investor implications (educational, not advice): Upside drivers include the insider-conviction strength and the cash-yield profile. Valuation tradeoffs are visible in the market data: a trailing P/E of 15.3 versus a forward P/E of 14.2 implies expected earnings growth, but the rating's "Watch for Breakout" label signals the stock has not yet confirmed a directional move. The price sits near the upper portion of its 52-week range, so an investor would be weighing whether the re-rating case is already priced in.
Business
Farmers & Merchants Bancorp Inc. is a NASDAQ-listed issuer classified under the Financials sector and the Savings Institutions industry, per the profile. Per the profile, the company has a market capitalization of $0.5B. The source data does not describe its products, customer base, or revenue model beyond this classification.
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $0.0M | $0.0M | $33.3M | N/A | $35.0M | N/A | N/A |
| FY 2024 | $0.0M | $0.0M | $25.9M | N/A | $30.6M | N/A | N/A |
| FY 2023 | $0.0M | $0.0M | $22.8M | N/A | $22.1M | N/A | N/A |
Per the SEC financials, net income rose from $22.8M in FY 2023 to $25.9M in FY 2024 and $33.3M in FY 2025, and FCF followed a similar path. Revenue, operating income, and margins are reported as $0.0M or 0%, so profitability cannot be assessed through margin analysis from this data; the market data lists gross, operating, and net margins all at 0%. Per the Roarable RQD rating, ROIC is 9%, Altman Z is 2.5, and Piotroski F is 5/9, with Debt/Equity at 0.5. Cash and debt balances are not available in the source data.
Recent Catalysts & News Wire Analysis
- Earnings beat (GREEN, CATALYST): Investing.com reports that earnings beat by $0.04 and revenue topped estimates.
- Q3 profit growth (YELLOW, MARKET WIRE): Quiver Quantitative reports Q3 net income rose 30.3% to $11.5 Million. Stock Titan reports diluted EPS of $0.84 for the quarter.
- Net charge-offs (YELLOW, MARKET WIRE): A MarketScreener report covers net charge-offs for the three months ended September 30, 2026. The source headline does not state the amount, so credit-quality direction cannot be determined here.
- Net interest margin (YELLOW, MARKET WIRE): Seeking Alpha frames a rising NIM as supporting a re-rating.
- Tangible book value (YELLOW, MARKET WIRE): GuruFocus reports on tangible book value growth; the headline is truncated and the figure is not provided.
Risk watch items: the net charge-off headline lacks a quantified figure, and the tangible book value headline is truncated. The butterfly supply-chain graph reports no links or proprietary signals.
Open Questions
- What are FMAO's actual revenue, operating income, and EPS figures? The financials list $0.0M and N/A for these fields, which prevents margin analysis.
- What are reported cash and debt balances, and how does the Debt/Equity of 0.5 compare to the company's own history?
- What was the amount of net charge-offs in the quarter, and is credit quality improving or deteriorating?
- What is the composition of the net interest margin expansion referenced in news coverage?
- Who are the insiders and institutions behind the RQD pillar scores for insider conviction and 13F flow?
FMAO Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Farmers & Merchants Bancorp Inc. (FMAO) • Click "Debate This Headline" to argue it in the Roar Pit below
🟡 MARKET WIRE Seeking Alpha • 19h ago
Farmers & Merchants Bancorp: Rising NIM Supports Re-Rating (NASDAQ:FMAO) Seeking Alpha report covering Farmers & Merchants Bancorp Inc. (FMAO) market action, institutional positioning, and fundamental catalysts.
🟢 CATALYST Investing.com • 22h ago
Farmers & Merchants Bancorp earnings beat by $0.04, revenue topped estimates Investing.com report covering Farmers & Merchants Bancorp Inc. (FMAO) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE GuruFocus • 1d ago
Farmers & Merchants Bancorp (FMAO) Reports Tangible Book Value G GuruFocus report covering Farmers & Merchants Bancorp Inc. (FMAO) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE www.marketscreener.com • 1d ago
Farmers & Merchants Bancorp, Inc. Reports Net Charge Offs for the Three Months Ended September 30, 2026 www.marketscreener.com report covering Farmers & Merchants Bancorp Inc. (FMAO) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Stock Titan • 1d ago
Diluted earnings per share reach $0.84 as Q3 profit rises at Farmers & Merchants Bancorp (FMAO). Stock Titan report covering Farmers & Merchants Bancorp Inc. (FMAO) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Quiver Quantitative • 1d ago
Farmers & Merchants Bancorp Q3 Net Income Rises 30.3% to $11.5 Million Quiver Quantitative report covering Farmers & Merchants Bancorp Inc. (FMAO) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Stock Traders Daily • 1d ago
Understanding Momentum Shifts in (FMAO) Stock Traders Daily report covering Farmers & Merchants Bancorp Inc. (FMAO) market action, institutional positioning, and fundamental catalysts.
🟢 CATALYST Benzinga • 8d ago
Piper Sandler Maintains Neutral on Farmers & Merchants, Raises Price Target to $39 Piper Sandler analyst Adam Kroll maintains Farmers & Merchants (NASDAQ:FMAO) with a Neutral and raises the price target from $36 to $39.
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE
3 Active Posts & Replies
FMAO Bull vs. Bear Conversation Board — What's Your Call at $36.42?
🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FMAO 🐻 50% BEARISH CONVICTION
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST
🎯 Target: $40.08 (+8.0%)
📌 Pinned Debate 🔥 Official Bull vs. Bear Debate: Is FMAO (C+ • RQD 68/100) a Buy at $37.11?
Welcome to the FMAO (Farmers & Merchants Bancorp Inc.) Roar Pit. Current RQD Composite is 68/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
FO ForensicBear Forensic Accounting Watch 🐻 BEARISH
🎯 Target: $28.20 (-24.0%)
Spot @ $37.11 Pump the brakes on FMAO — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on FMAO, but look at what you are paying: 15.3x trailing P/E with tightening sector spreads. Unless Farmers & Merchants Bancorp Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
DE DeltaGamma_99 Verified K Arena Trader 🐂 BULLISH
🎯 Target: $47.13 (+27.0%)
Spot @ $37.11 FMAO cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on FMAO, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $37.11 (52-wk range $22.91 - $37.60), any beat on forward guidance forces shorts and underweight funds to chase.