FMAO Stock Analysis: Buy, Sell, or Hold?
FMAO - Farmers & Merchants Bancorp, Inc.
$29.23
0.57 (1.99%)
▲
5d:
+2.96%
30d:
+5.03%
90d:
+16.18%
HOLD
MODERATE Confidence
Analysis Updated: Jun 23, 2026 12:00 AM ET
Earnings: Jul 27, 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 1.1% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: FMAO is fairly valued with market pricing in 1.1% 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
$36.23
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 $29.23, which is considered extended relative to its 30-day fair value range of $27.52 to $28.65. The stock's valuation (Forward PE: 9.7) is in line with its historical norms (9.4). At these levels, the market is pricing in 1.1% 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: 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 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: 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
$27.52 -
$28.65
Company Quality Score
61/100
(BUY)
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 ($28.67)
- NEUTRAL: Market pricing in 1.1% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$27.52 -
$28.65
Current vs Trading Range
EXTENDED
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.)
9.70
Wall Street Target
$28.67
(-1.9%)
Revenue Growth (YoY)
16.5%
Earnings Growth (YoY)
37.3%
Profit Margin
29.0%
Valuation Premium vs History
+1.1% premium
PE vs Historical
9.7 vs 9.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.1%
(market-implied from PE analysis)
1-Year Target
$29.55
(+1%)
2-Year Target
$29.88
(+2%)
3-Year Target
$30.21
(+3%)
3-Yr Target (if PE normalizes)
(PE: 10→9)
PE COMPRESSION
$29.27
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 6.1%)
$78.39
(+168%)
Base:
(SPY PE: 9.7, Growth: 6.1%)
$34.91
(+19%)
Bear:
(PE: 8.2, Growth: 6.1%)
$29.68
(+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: 10.94 | Current EPS (TTM): $2.62
Bull Case
$36.26
(+24%)
Analyst growth 15.0%, PE expands to 12.0
Base Case
$32.96
(+13%)
Market implied 15.0%, PE stable at 10.9
Bear Case
$19.49
(-33%)
Severe decline -20.0%, PE contracts to 9.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: June 24, 2026 8:05 AM ET
Data refreshes hourly during market hours. Next update: 9:05 AM
Data refreshes hourly during market hours. Next update: 9:05 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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