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Farmers & Merchants Bancorp Inc (FMAO)
NASDAQ:FMAO
US Market
FMAO
Farmers & Merchants Bancorp
RESEARCH TOOLSreports
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Farmers & Merchants Bancorp (FMAO) Ratios

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Farmers & Merchants Bancorp Ratios

FMAO's free cash flow for Q1 2026 was $0.66. For the 2026 fiscal year, FMAO's free cash flow was decreased by $ and operating cash flow was $0.26. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 40.81 13.43 0.22 0.19 0.19
Quick Ratio
 40.81 13.43 0.22 0.19 0.19
Cash Ratio
 11.71 2.53 0.07 0.05 0.03
Solvency Ratio
 0.01 0.01 0.01 <0.01 0.01
Operating Cash Flow Ratio
 2.30 0.94 0.01 <0.01 0.02
Short-Term Operating Cash Flow Coverage
 2.30 0.96 1.19 0.78 0.75
Net Current Asset Value
$ -2.51B$ -2.54B$ -2.42B$ -2.46B$ -2.24B
Leverage Ratios
Debt-to-Assets Ratio
 0.08 0.09 0.09 0.10 0.08
Debt-to-Equity Ratio
 0.71 0.81 0.92 1.04 0.76
Debt-to-Capital Ratio
 0.42 0.45 0.48 0.51 0.43
Long-Term Debt-to-Capital Ratio
 0.40 0.41 0.46 0.49 0.37
Financial Leverage Ratio
 9.27 9.26 10.04 10.37 10.11
Debt Service Coverage Ratio
 0.48 0.31 0.31 0.33 0.53
Interest Coverage Ratio
 0.68 0.61 0.42 0.49 2.82
Debt to Market Cap
 0.73 0.88 0.76 0.97 0.64
Interest Debt Per Share
 24.49 26.90 28.20 28.38 18.38
Net Debt to EBITDA
 1.92 4.76 3.36 5.42 3.12
Profitability Margins
Gross Profit Margin
63.48%62.27%55.86%60.44%83.32%
EBIT Margin
24.10%22.49%18.45%18.65%35.61%
EBITDA Margin
26.04%22.49%22.06%22.45%39.15%
Operating Profit Margin
24.10%22.49%18.45%18.65%35.61%
Pretax Profit Margin
24.10%22.49%18.45%18.65%35.61%
Net Profit Margin
18.78%17.61%14.69%14.99%28.61%
Continuous Operations Profit Margin
18.78%17.61%14.69%14.99%28.61%
Net Income Per EBT
77.95%78.33%79.63%80.37%80.33%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.03%0.97%0.77%0.69%1.08%
Return on Equity (ROE)
9.85%8.98%7.74%7.20%10.91%
Return on Capital Employed (ROCE)
1.33%1.25%5.03%4.38%8.56%
Return on Invested Capital (ROIC)
4.99%5.23%3.83%3.37%6.17%
Return on Tangible Assets
1.06%1.00%0.79%0.71%1.11%
Earnings Yield
9.80%9.82%6.44%6.74%9.14%
Efficiency Ratios
Receivables Turnover
 0.00 16.16 0.00 0.00 0.00
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 6.07 5.93 5.22 4.25 3.97
Asset Turnover
 0.05 0.06 0.05 0.05 0.04
Working Capital Turnover Ratio
 0.36 -0.23 -0.08 -0.07 -0.06
Cash Conversion Cycle
 0.00 22.58 0.00 0.00 0.00
Days of Sales Outstanding
 0.00 22.58 0.00 0.00 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 0.00 22.58 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 2.47 2.65 2.37 1.62 3.11
Free Cash Flow Per Share
 2.37 2.52 2.24 0.82 2.91
CapEx Per Share
 0.10 0.13 0.14 0.80 0.20
Free Cash Flow to Operating Cash Flow
 0.96 0.95 0.94 0.51 0.94
Dividend Paid and CapEx Coverage Ratio
 2.50 2.63 2.35 0.99 3.16
Capital Expenditure Coverage Ratio
 24.62 20.59 17.36 2.03 15.64
Operating Cash Flow Coverage Ratio
 0.13 0.12 0.11 0.07 0.18
Operating Cash Flow to Sales Ratio
 0.18 0.19 0.18 0.15 0.36
Free Cash Flow Yield
8.90%10.20%7.60%3.32%10.70%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.20 10.19 15.53 14.85 10.94
Price-to-Sales (P/S) Ratio
 1.92 1.79 2.28 2.22 3.13
Price-to-Book (P/B) Ratio
 0.98 0.92 1.20 1.07 1.19
Price-to-Free Cash Flow (P/FCF) Ratio
 11.24 9.80 13.16 30.16 9.35
Price-to-Operating Cash Flow Ratio
 10.78 9.33 12.41 15.28 8.75
Price-to-Earnings Growth (PEG) Ratio
 0.35 0.13 1.13 -0.46 0.49
Price-to-Fair Value
 0.98 0.92 1.20 1.07 1.19
Enterprise Value Multiple
 9.28 12.74 13.70 15.33 11.12
Enterprise Value
 462.53M 541.65M 533.63M 523.31M 494.56M
EV to EBITDA
 9.28 12.74 13.70 15.33 11.12
EV to Sales
 2.42 2.86 3.02 3.44 4.35
EV to Free Cash Flow
 14.18 15.65 17.44 46.65 12.99
EV to Operating Cash Flow
 13.60 14.89 16.43 23.63 12.16
Tangible Book Value Per Share
 21.06 20.35 17.78 16.46 15.91
Shareholders’ Equity Per Share
 27.34 27.02 24.50 23.21 22.77
Tax and Other Ratios
Effective Tax Rate
 0.22 0.22 0.20 0.20 0.20
Revenue Per Share
 13.91 13.77 12.91 11.15 8.68
Net Income Per Share
 2.61 2.43 1.90 1.67 2.48
Tax Burden
 0.78 0.78 0.80 0.80 0.80
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.16 0.05 0.27 0.28 0.32
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 <0.01 <0.01
Income Quality
 0.95 1.09 1.25 0.97 1.25
Currency in USD