Farmers & Merchants Bancshares, Inc. (FMFG)
Savings Institutions, Not Federally Chartered · Financial Services · $58M
Intrinsic Value (Consensus)
$39.21
Current Price
$17.80
Margin of Safety
+120.3%
120.3% Below Intrinsic Value
Value: $39
Price: $18
Valuation Model Estimates
Current Price: $17.80
DCF (Discounted Cash Flow)
$74.53
Graham Number
$28.53
Earnings Power Value
$17.57
Relative Value (P/E)
$36.20
Dividend Discount Model
Not applicable
—
Consensus Value
$39.21
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
B
71
Profitability
15/25
Strength
24/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
High free cash flow yield (8.9%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $1.81
- EPS (Forward)
- $2.17
- Book Value
- $19.98
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 8.9%
- Debt/Equity
- 19%
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance