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FMAO

Farmers Merchants BancorpB
Nasdaq / Banks
Last Price
At close
2026-07-21
View Chart
Current thesis
FMAO entered 2026 with strong reported profitability, expanding NIM, deposit and loan growth, low charge-offs, and a growing dividend [#SEC-8K-2026-04-22]. A similarly solid Q2 update could support a recovery toward the mid-$30s.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -10.0.
What can break
A reported director open-market sale of 6,000 shares at $28.72 is a monitoring flag only and is not evidence about operating results [#SEC-FORM4-2026-06-24].
Momentum
60
Value
58
Sentiment
51
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $29.83 · Bull $34.00 · Bear $27.26
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-21 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $29.83
Why
Momentum60 · Δ7d +11.5
Value58 · Δ7d -10.0
Sentiment51 · Δ7d -2.4
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
60
26% active weight
Current posture
7d trendImproving
Δ7d
+11.5
Δ21d
+18.3
Value
58
39% active weight
Current posture
7d trendSoftening
Δ7d
-10.0
Δ21d
+0.1
Sentiment
51
34% active weight
Current posture
7d trendSoftening
Δ7d
-2.4
Δ21d
-2.0
Why this grade

Composite grade B. Momentum 60.4 / Value 58.1 / Sentiment 50.9

Fundamentals (TTM)
As of 2026-07-21
Market Cap
$425.44M
Beta
0.85
Shares Out
13.77M
P/E (TTM)
10.5
P/S (TTM)
2.90
P/FCF (TTM)
28.88
Rev YoY
+6.1%
EPS YoY
+37.3%
Gross Margin
-
Op Margin
+34.7%
Net Debt
$208.52M
Current Ratio
0.13
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology