FMAO Stock Analysis: Buy, Sell, or Hold?
FMAO - Farmers & Merchants Bancorp, Inc.
$30.08
0.26 (0.87%)
▲
5d:
-2.46%
30d:
+5.43%
90d:
+10.47%
BUY
MODERATE Confidence
Analysis Updated: Jul 13, 2026 12:00 AM ET
Earnings: Jul 27, 2026
12d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: FMAO shows positive signals but monitor for confirmation. Market pricing in 1.9% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: FMAO shows positive signals but monitor for confirmation. Market pricing in 1.9% annual growth which appears achievable. Moderate conviction.
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 $30.08, which is considered slightly high relative to its 30-day fair value range of $28.42 to $30.39. The stock's valuation (Forward PE: 10.0) is in line with its historical norms (9.4). At these levels, the market is pricing in 1.9% 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: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
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: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$28.42 -
$30.39
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
61.4%
All Signals
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($29.83)
- NEUTRAL: Market pricing in 1.9% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$28.42 -
$30.39
Current vs Trading Range
SLIGHTLY HIGH
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.)
9.98
Wall Street Target
$29.83
(-0.8%)
Revenue Growth (YoY)
16.5%
Earnings Growth (YoY)
37.3%
Profit Margin
29.0%
Valuation Premium vs History
+1.9% premium
PE vs Historical
10.0 vs 9.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.9%
(market-implied from PE analysis)
1-Year Target
$30.65
(+2%)
2-Year Target
$31.23
(+4%)
3-Year Target
$31.83
(+6%)
3-Yr Target (if PE normalizes)
(PE: 10→9)
PE COMPRESSION
$29.97
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 6.1%)
$78.39
(+161%)
Base:
(SPY PE: 10.0, Growth: 6.1%)
$35.93
(+19%)
Bear:
(PE: 8.5, Growth: 6.1%)
$30.54
(+2%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 11.38 | Current EPS (TTM): $2.62
Bull Case
$37.73
(+25%)
Analyst growth 15.0%, PE expands to 12.5
Base Case
$34.30
(+14%)
Market implied 15.0%, PE stable at 11.4
Bear Case
$20.28
(-33%)
Severe decline -20.0%, PE contracts to 9.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 13, 2026 11:33 PM ET
Data refreshes hourly during market hours. Next update: 12:33 AM
Data refreshes hourly during market hours. Next update: 12:33 AM
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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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