FMAO Stock Analysis: Buy, Sell, or Hold?
FMAO - Farmers & Merchants Bancorp, Inc.
$30.67
-0.78 (-2.48%)
▼
5d:
+2.47%
30d:
+9.34%
90d:
+18.19%
HOLD
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Jul 27, 2026
21d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: FMAO is fairly valued with market pricing in 2.7% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: FMAO is fairly valued with market pricing in 2.7% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$36.23
Based on 5.1% avg growth
INTRINSIC VALUE TODAY
$22.50
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FMAO is currently trading at $30.67, which is considered extended relative to its 30-day fair value range of $27.71 to $29.92. The stock's valuation (Forward PE: 10.2) is in line with its historical norms (9.4). At these levels, the market is pricing in 2.7% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, FMAO is in a uptrend. The price is approaching resistance at $28.91. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: FMAO has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, FMAO is in a uptrend. The price is approaching resistance at $28.91. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: FMAO has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$27.71 -
$29.92
Company Quality Score
60/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
58.1%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($29.83)
- NEUTRAL: Market pricing in 2.7% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$27.71 -
$29.92
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$27.00
Resistance Level
$28.91
Current Trend
Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.18
Wall Street Target
$29.83
(-2.7%)
Revenue Growth (YoY)
16.5%
Earnings Growth (YoY)
37.3%
Profit Margin
29.0%
Valuation Premium vs History
+2.7% premium
PE vs Historical
10.2 vs 9.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.7%
(market-implied from PE analysis)
1-Year Target
$31.50
(+3%)
2-Year Target
$32.35
(+6%)
3-Year Target
$33.22
(+8%)
3-Yr Target (if PE normalizes)
(PE: 10→9)
PE COMPRESSION
$30.68
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 6.1%)
$78.39
(+156%)
Base:
(SPY PE: 10.2, Growth: 6.1%)
$36.63
(+19%)
Bear:
(PE: 8.7, Growth: 6.1%)
$31.14
(+2%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 12.00 | Current EPS (TTM): $2.62
Bull Case
$39.79
(+30%)
Analyst growth 15.0%, PE expands to 13.2
Base Case
$36.17
(+18%)
Market implied 15.0%, PE stable at 12.0
Bear Case
$21.39
(-30%)
Severe decline -20.0%, PE contracts to 10.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 04, 2026 10:21 PM ET
Data refreshes hourly during market hours. Next update: 11:21 PM
Data refreshes hourly during market hours. Next update: 11:21 PM
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Technical Signals Check
Is FMAO showing a specific setup today?
Insider Activity (6 Months)
2
Buys
2
Sells
0
Net
INSIDERS SELLING
Recent Transactions
Robert E. Latta
BUY
2026-04-20
Eric D Faust
SELL
1148 shares
2026-03-23
Eric D Faust
SELL
275 shares
2026-03-02
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