FMAO Stock Analysis: Buy, Sell, or Hold?
FMAO - Farmers & Merchants Bancorp, Inc.
$26.44
-0.29 (-1.08%)
▼
5d:
-5.06%
30d:
-1.27%
90d:
-10.59%
HOLD
LOW Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Apr 27, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: FMAO shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: FMAO shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
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 $26.44, which is considered oversold relative to its 30-day fair value range of $26.45 to $27.39. The stock's valuation (Forward PE: 8.8) is in line with its historical norms (9.4). Remarkably, the market is currently pricing in an annual earnings decline of 2.3% over the next few years. This pessimistic expectation contrasts with the company's recent 37.3% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, FMAO is in a uptrend. The price is currently testing key support at $26.17. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. 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 currently testing key support at $26.17. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. 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
OVERSOLD
Historical Trading Range
$26.45 -
$27.39
Company Quality Score
51/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
74.8%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($28.67)
- CAUTION: Recommendation downgraded due to -5.1% 5-day decline
Trading Range Analysis
30-Day Trading Range
$26.45 -
$27.39
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$26.17
Resistance Level
$27.98
Current Trend
Uptrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.77
Wall Street Target
$28.67
(+8.4%)
Revenue Growth (YoY)
16.5%
Earnings Growth (YoY)
37.3%
Profit Margin
29.0%
Valuation Discount vs History
-2.3% cheaper
PE vs Historical
8.8 vs 9.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.3%
(market-implied from PE analysis)
1-Year Target
$25.83
(-2%)
2-Year Target
$25.24
(-5%)
3-Year Target
$24.66
(-7%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$26.42
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 6.1%)
$79.44
(+200%)
Base:
(SPY PE: 8.8, Growth: 6.1%)
$31.58
(+19%)
Bear:
(PE: 7.5, Growth: 6.1%)
$26.84
(+2%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 10.24 | Current EPS (TTM): $2.61
Bull Case
$33.95
(+28%)
Analyst growth 15.5%, PE expands to 11.3
Base Case
$30.86
(+17%)
Market implied 15.5%, PE stable at 10.2
Bear Case
$18.18
(-31%)
Severe decline -20.0%, PE contracts to 8.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.8 to 9.4
Stabilization Target:
$28.33
(+7.1%)
PE Expansion Potential:
+7.1%
Share & Embed Analysis
Last updated: May 15, 2026 10:17 PM ET
Data refreshes hourly during market hours. Next update: 11:17 PM
Data refreshes hourly during market hours. Next update: 11:17 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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