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Farmers & Merchants Bancorp, Inc.

FMAO Finance Savings Institutions
$35.89
▲ +1.0% Today
as of Oct 22, 16:48 ET
Last 30 days +0.22% Sep 14 → Oct 22
$34.44 $34.83 $35.22 $35.61 $36.00 Sep 14 Sep 22 Sep 29 Oct 07 Oct 14 Oct 22
Open
$34.79
High
$36.31
Low
$34.32
Volume
$139,812
Avg Vol
$55,019
Mkt Cap
$481M
P/E (TTM)
22.64
Beta
—
52w High
$36.31
52w Low
$22.91
Div Yield
—
Shares Out
$14M

Recent Press Releases & News last 60 days · 4 items

▸ Show all 4 press releases & news Free account →

FMAO earnings at a glance

Farmers & Merchants Bancorp, Inc. (FMAO) is scheduled to report earnings on Monday, October 26, 2026 — in 3 days. Analysts expect earnings per share of $0.81, compared with $0.64 in the same quarter last year (+27%). The options market is pricing a move of about ±5.1% after the report, a range of roughly $34.04 to $37.74 from today's $35.89. Over its last 6 reports the stock rose the next day 4 times and fell 2, moving ±5.1% on average; after the most recent report on Jul 27, 2026 it moved +10.4%. That means options currently expect about the same movement than FMAO has typically delivered. FMAO beat the consensus EPS estimate in 6 of its last 6 reported quarters. Implied volatility is currently 29%. The share price of $35.89 sits near its 52-week high.

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Overview

52-week range
$23
$36
97% of range
Avg surprise (last 6)
+12.8%
Avg reaction (last 6)
+4.0%
67% positive
Latest IV / EM
29%
EM ±5.1% · $35 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.42$0.53$0.64$0.75$0.86 Actual $0.51Est $0.42Actual $0.56Est $0.51Actual $0.64Est $0.59Actual $0.71Est $0.67Actual $0.70Est $0.68Actual $0.86Est $0.67 Mar/2025Jun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$0$3M$6M$9M$12M Mar 25Jun 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Mon Jul 27, 2026Jun/2026 $0.86 $0.67 +28.4% +19.6% +10.4% earnings
Wed Apr 22, 20268K 2026-04-22 $0.70 $0.68 +2.9% — -0.9% earnings
Thu Feb 12, 20268K 2026-02-12 $0.71 $0.67 +6.0% — +7.6% earnings
Mon Oct 27, 2025Sep/2025 $0.64 $0.59 +8.5% — -2.5% earnings
Mon Jul 28, 2025Jun/2025 $0.56 $0.51 +9.8% — +1.3% earnings
Mon Apr 28, 2025Mar/2025 $0.51 $0.42 +21.4% — +8.0% earnings

Upcoming

DateFiscalTimeEPS EstLY EPSYoY %Δ
Mon Oct 26, 2026Sep/2026OTHER $0.81$0.64 +26.6%

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$12M$10M——$8M$7M——
EPS (diluted)$0.86$0.70——$0.56$0.51——

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents————————
Inventory————————
Total current assets————————
Total assets$3.50B$3.49B$3.43B$3.39B$3.35B$3.39B$3.36B$3.39B
Long-term debt————————
Total liabilities$3.12B$3.11B$3.06B$3.03B$2.99B$3.04B$3.03B$3.05B
Total equity$385M$376M$371M$362M$351M$345M$335M$335M

Implied volatility — last 90 days

18%101%183%266%349% Jun 07 — IV 139% · EM ±19.2%Jun 08 — IV 137% · EM ±18.1%Jun 09 — IV 148% · EM ±18.6%Jun 10 — IV 148% · EM ±17.5%Jun 11 — IV 158% · EM ±17.5%Jun 15 — IV 243% · EM ±17.6%Jun 16 — IV 182% · EM ±10.7%Jun 19 — IV 64% · EM ±14.0%Jun 22 — IV 89% · EM ±18.7%Jun 23 — IV 49% · EM ±10.1%Jun 24 — IV 85% · EM ±16.9%Jul 01 — IV 40% · EM ±6.7%Jul 02 — IV 103% · EM ±16.6%Jul 03 — IV 106% · EM ±16.6%Jul 06 — IV 90% · EM ±12.5%Jul 15 — IV 48% · EM ±2.8%Jul 20 — IV 72% · EM ±16.9%Jul 21 — IV 45% · EM ±10.5%Jul 22 — IV 19% · EM ±4.3%Jul 23 — IV 71% · EM ±16.0%Jul 24 — IV 73% · EM ±16.2%Jul 27 — IV 81% · EM ±17.0%Jul 28 — IV 50% · EM ±10.2%Jul 29 — IV 33% · EM ±6.6%Jul 30 — IV 46% · EM ±9.1%Jul 31 — IV 51% · EM ±9.7%Aug 03 — IV 36% · EM ±6.4%Aug 04 — IV 53% · EM ±9.1%Aug 05 — IV 21% · EM ±3.5%Aug 06 — IV 57% · EM ±9.3%Aug 07 — IV 43% · EM ±6.7%Aug 10 — IV 105% · EM ±14.5%Aug 11 — IV 69% · EM ±9.1%Aug 12 — IV 25% · EM ±3.1%Aug 13 — IV 36% · EM ±4.2%Aug 14 — IV 30% · EM ±3.3%Aug 17 — IV 36% · EM ±3.0%Aug 20 — IV 167% · EM ±7.0%Aug 24 — IV 36% · EM ±7.4%Aug 25 — IV 78% · EM ±15.9%Aug 26 — IV 68% · EM ±13.6%Aug 27 — IV 52% · EM ±10.2%Aug 28 — IV 49% · EM ±9.3%Sep 02 — IV 80% · EM ±13.3%Sep 11 — IV 139% · EM ±15.4%Sep 14 — IV 100% · EM ±8.4%Sep 15 — IV 214% · EM ±15.5%Sep 16 — IV 239% · EM ±14.1%Sep 17 — IV 349% · EM ±14.6%Sep 22 — IV 58% · EM ±11.9%Sep 23 — IV 74% · EM ±14.7%Sep 24 — IV 75% · EM ±14.7%Sep 28 — IV 29% · EM ±5.1%

Sector peers

FMAO earnings FAQ

When is FMAO's next earnings date?

Farmers & Merchants Bancorp, Inc. is expected to report on October 26, 2026.

What is FMAO's expected move for earnings?

Options currently price a move of about ±5.1%, or $1.85 per share either way from $35.89.

How does FMAO stock usually react to earnings?

Across the last 6 reports the average next-day move was ±5.1%, up 4 times and down 2 times.

What EPS are analysts expecting from Farmers & Merchants Bancorp, Inc.?

The consensus estimate is $0.81 per share, versus $0.64 a year ago.

What is FMAO's implied volatility?

FMAO's at-the-money implied volatility is about 29% based on the latest options snapshot.

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