FMAO Stock Analysis: Buy, Sell, or Hold?
FMAO - Farmers & Merchants Bancorp, Inc.
$34.05
0.31 (0.92%)
â˛
5d:
-3.02%
30d:
+12.08%
90d:
+22.35%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Oct 26, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: FMAO is fairly priced but lacks strong directional signals. At 2.7% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: FMAO is fairly priced but lacks strong directional signals. At 2.7% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$37.28
Based on 3.5% avg growth
INTRINSIC VALUE TODAY
$23.15
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 9.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FMAO is currently trading at $34.05, which is considered fair relative to its 30-day fair value range of $31.63 to $35.10. The stock's valuation (Forward PE: 10.4) is in line with its historical norms (9.6). At these levels, the market is pricing in 2.7% 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. The price is currently testing key support at $33.14. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: FMAO scores 31/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, FMAO is in a strong uptrend. The price is currently testing key support at $33.14. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: FMAO scores 31/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$31.63 -
$35.10
Company Quality Score
44/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
46.2%
All Signals
- NEUTRAL: Price in fair range
- BEARISH: Weak technical setup (31/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($36.00)
- NEUTRAL: Market pricing in 2.7% annual earnings growth - fairly valued
- WARNING: Composite score 44/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$31.63 -
$35.10
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$33.14
Resistance Level
$35.71
Current Trend
Strong Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.41
Wall Street Target
$36.00
(+5.7%)
Revenue Growth (YoY)
17.5%
Earnings Growth (YoY)
53.0%
Profit Margin
31.0%
Valuation Premium vs History
+2.7% premium
PE vs Historical
10.4 vs 9.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.7%
(market-implied from PE analysis)
1-Year Target
$34.97
(+3%)
2-Year Target
$35.91
(+6%)
3-Year Target
$36.88
(+8%)
3-Yr Target (if PE normalizes)
(PE: 10â10)
PE COMPRESSION
$34.00
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 3.0%)
$71.81
(+111%)
Base:
(SPY PE: 10.4, Growth: 3.0%)
$37.26
(+9%)
Bear:
(PE: 8.9, Growth: 3.0%)
$31.67
(-7%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 11.59 | Current EPS (TTM): $2.91
Bull Case
$41.71
(+23%)
Analyst growth 12.4%, PE expands to 12.8
Base Case
$37.91
(+11%)
Market implied 12.4%, PE stable at 11.6
Bear Case
$22.94
(-33%)
Severe decline -20.0%, PE contracts to 9.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 24, 2026 12:38 AM ET
Data refreshes hourly during market hours. Next update: 1:38 AM
Data refreshes hourly during market hours. Next update: 1:38 AM
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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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