FMAO
BULLISH
$27.28
Live
Farmers & Merchants Bancorp, Inc. · NASDAQ
Target $29.0
(+6.3%)
$20.88
52W Range
$29.83
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
AI-powered fundamental assessment
Confidence
85%
FMAO presents a compelling value opportunity, characterized by a stable Piotroski F-Score of 4/9 and a significant valuation discount. The stock is trading at $27.28, well below its Graham Number ($38.64) and estimated Intrinsic Value ($71.69), with a Price-to-Book ratio of 1.00. Strong fundamental growth (20% YoY revenue growth) and a consistent track record of earnings beats provide a solid floor. While technical trends and recent insider activity are bearish, the underlying financial health and growth metrics suggest substantial upside potential.
Key Strengths
Significant undervaluation relative to Graham Number ($38.64) and Intrinsic Value ($71.69)
Strong growth profile with 20% YoY revenue and 19.3% earnings growth
Excellent earnings track record with 3/4 recent beats and consistent positive surprises
Attractive valuation multiples (P/E 11.23) compared to the financial sector average (26.81)
Sustainable dividend profile with a low payout ratio of 37.04%
Key Risks
Bearish technical trend (0/100) indicating short-term price pressure
Net bearish insider activity with recent officer sales
Mediocre Piotroski F-Score (4/9) suggesting room for improvement in operational efficiency
Small market capitalization ($0.38B) which may lead to higher volatility
Regional bank sector exposure to interest rate fluctuations
AI Fair Value Estimate
Based on comprehensive analysis
$42.5
+55.8% above current price
Performance Snowflake
Multi-dimensional AI analysis across 5 key categories
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Historical Performance Trends
Long-term financial metrics and growth patterns
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability, Growth & Financial Health
Detailed profit margins, ROE, debt ratios, and liquidity metrics
Sector Comparison & Peer Analysis
Compare FMAO against industry averages and similar companies
Insider Trading & Analyst Ratings
Track insider transactions and Wall Street analyst recommendations
Past News Coverage
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