FARMERS & MERCHANTS BANCORP INC (FMAO)
Savings Institution, Federally Chartered · Financial Services · $398M
Intrinsic Value (Consensus)
$61.27
Current Price
$28.87
Margin of Safety
+112.2%
112.2% Below Intrinsic Value
Value: $61
Price: $29
Valuation Model Estimates
Current Price: $28.87
DCF (Discounted Cash Flow)
$119.11
Graham Number
$38.38
Earnings Power Value
$23.59
Relative Value (P/E)
$48.60
Dividend Discount Model
$76.67
Consensus Value
$61.27
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
64
Profitability
15/25
Strength
17/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Strong earnings growth (20% YoY)
High free cash flow yield (8.8%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $2.43
- EPS (Forward)
- $2.92
- Book Value
- $26.94
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 9.0%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.5%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance