FMAO Stock Analysis: Buy, Sell, or Hold?
FMAO - Farmers & Merchants Bancorp, Inc.
$34.07
0.71 (2.13%)
▲
5d:
+9.2%
30d:
+11.09%
90d:
+25.03%
HOLD
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Oct 26, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: FMAO is fairly valued with market pricing in 3.2% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: FMAO is fairly valued with market pricing in 3.2% 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
$58.95
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$36.61
6.9% Margin of Safety
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 9.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FMAO is currently trading at $34.07, which is considered extended relative to its 30-day fair value range of $29.67 to $32.64. From a valuation perspective, the stock is trading at a premium (Forward PE: 10.5) compared to its historical average (9.5). At these levels, the market is pricing in 3.2% 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 strong uptrend. Immediate support is located at $27.97, while resistance sits at $35.94.
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 strong uptrend. Immediate support is located at $27.97, while resistance sits at $35.94.
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
$29.67 -
$32.64
Company Quality Score
54/100
(HOLD)
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 ($33.67)
- NEUTRAL: Market pricing in 3.2% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$29.67 -
$32.64
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$27.97
Resistance Level
$35.94
Current Trend
Strong Uptrend
Technical data as of
Aug 3, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.47
Wall Street Target
$33.67
(+0.9%)
Revenue Growth (YoY)
17.5%
Earnings Growth (YoY)
52.9%
Profit Margin
31.0%
Valuation Premium vs History
+3.2% premium
PE vs Historical
10.5 vs 9.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.2%
(market-implied from PE analysis)
1-Year Target
$34.43
(+3%)
2-Year Target
$35.53
(+7%)
3-Year Target
$36.67
(+10%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$33.27
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 68.6%)
$67.43
(+102%)
Base:
(SPY PE: 10.5, Growth: 68.6%)
$34.05
(+2%)
Bear:
(PE: 8.9, Growth: 68.6%)
$28.94
(-13%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 12.73 | Current EPS (TTM): $2.62
Bull Case
$44.61
(+34%)
Analyst growth 21.6%, PE expands to 14.0
Base Case
$40.55
(+22%)
Market implied 21.6%, PE stable at 12.7
Bear Case
$22.67
(-32%)
Severe decline -20.0%, PE contracts to 10.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 03, 2026 2:52 PM ET
Data refreshes hourly during market hours. Next update: 3:52 PM
Data refreshes hourly during market hours. Next update: 3:52 PM
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Technical Signals Check
Is FMAO showing a specific setup today?
Insider Activity (6 Months)
1
Buys
2
Sells
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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