FMAO Stock Analysis: Buy, Sell, or Hold?
FMAO - Farmers & Merchants Bancorp, Inc.
$33.59
0.23 (0.69%)
▲
5d:
+7.66%
30d:
+9.52%
90d:
+23.27%
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 2.6% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: FMAO is fairly valued with market pricing in 2.6% 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
$36.89
Based on 3.5% avg growth
INTRINSIC VALUE TODAY
$22.91
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 9.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FMAO is currently trading at $33.59, which is considered extended relative to its 30-day fair value range of $29.68 to $32.59. The stock's valuation (Forward PE: 10.3) is in line with its historical norms (9.5). At these levels, the market is pricing in 2.6% 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
$29.68 -
$32.59
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 ($36.00)
- NEUTRAL: Market pricing in 2.6% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$29.68 -
$32.59
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.)
10.27
Wall Street Target
$36.00
(+7.2%)
Revenue Growth (YoY)
17.5%
Earnings Growth (YoY)
53.0%
Profit Margin
31.0%
Valuation Premium vs History
+2.6% premium
PE vs Historical
10.3 vs 9.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.6%
(market-implied from PE analysis)
1-Year Target
$34.46
(+3%)
2-Year Target
$35.36
(+5%)
3-Year Target
$36.28
(+8%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$33.55
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 3.0%)
$74.17
(+121%)
Base:
(SPY PE: 10.3, Growth: 3.0%)
$36.76
(+9%)
Bear:
(PE: 8.7, Growth: 3.0%)
$31.24
(-7%)
📈
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
$45.80
(+36%)
Analyst growth 24.8%, PE expands to 14.0
Base Case
$41.64
(+24%)
Market implied 24.8%, PE stable at 12.7
Bear Case
$22.68
(-33%)
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 7:56 PM ET
Data refreshes hourly during market hours. Next update: 8:56 PM
Data refreshes hourly during market hours. Next update: 8:56 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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