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Farmers & Merchants Bancshares, Inc.

Data quality: 83%

FMFG

OTC Financial Services Depository Institutions

$17.98

▲ $0.21 (1.18%)

Mkt Cap: 58.18 M

Price

$17.98

Mkt Cap

58.18 M

Day Range

$17.98 — $17.98

52-Week Range

$14.76 — $21.00

Volume

300

Open $17.98

50D / 200D Avg

$18.38

2.17% below

50D / 200D Avg

$17.08

5.29% above

Quick Summary

Key Takeaways

Earnings grew 34.78% over the past year

Debt/Equity of 0.19 — conservative balance sheet

Generating 6.05 M in free cash flow

P/E of 10.09 — trading at a low valuation

Cash machine — converts 104.93% of earnings into free cash flow

Growth

Revenue Growth (5Y)

N/A

Revenue (1Y)N/A

Earnings (1Y)34.78%

FCF Growth (3Y)1.23%

Quality

Return on Equity

9.34%

Above sector avg (9.24%)

ROICN/A

Net MarginN/A

Op. MarginN/A

Safety

Debt / Equity

0.19

Below sector avg (0.49)

Current RatioN/A

Interest CoverageN/A

Valuation

PE (TTM)

10.09

Below sector avg (11.15)

P/B Ratio0.92

EV/EBITDAN/A

Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2150 peers)

Metric	Stock	Sector Median
P/E	10.1	11.2
P/B	0.9	1.2
ROE %	9.3	9.2
Net Margin %	—	9.4
Rev Growth 5Y %	—	5.8
D/E	0.2	0.5

All Fundamental Metrics

Growth
Revenue Growth (1Y)	N/A	Revenue Growth (3Y)	N/A
Earnings Growth (1Y)	34.78%	Earnings Growth (3Y)	-5.22%
Revenue Growth (5Y)	N/A	Earnings Growth (5Y)	-8.29%
Profitability
Revenue (TTM)	N/A	Net Income (TTM)	5.77 M
ROE	9.34%	ROA	0.67%
Gross Margin	N/A	Operating Margin	N/A
Net Margin	N/A	Free Cash Flow (TTM)	6.05 M
ROIC	N/A	FCF Growth (3Y)	1.23%
Safety
Debt / Equity	0.19	Current Ratio	N/A
Interest Coverage	N/A	Asset Turnover	N/A
Working Capital	N/A	Tangible Book Value	56.19 M
Dividends
Dividend Yield	N/A	Payout Ratio	N/A
Dividend Growth (3Y)	N/A	Dividend Growth (5Y)	N/A
Consecutive Div Years	N/A
Valuation
P/E Ratio	10.09	Forward P/E	N/A
P/B Ratio	0.92	P/S Ratio	N/A
PEG Ratio	N/A	Forward PEG	N/A
EV/EBITDA	N/A	Fwd EV/EBITDA	N/A
Forward P/S	N/A	Fwd Earnings Yield	N/A
FCF Yield	10.40%
Market Cap	58.18 M	Enterprise Value	70.20 M
Per Share
EPS (Diluted TTM)	1.81	Revenue / Share	N/A
FCF / Share	1.87	OCF / Share	1.87
EPS CAGR (1Y)	32.12%	EPS CAGR (5Y)	N/A
EPS CAGR (10Y)	N/A
Efficiency
CapEx / Revenue	N/A	FCF Conversion	104.93%
SBC-Adj. FCF	5.88 M	Growth Momentum	N/A

Income Statement

Annual, most recent first

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Revenue	—	—	—	—	—
Net Income	5.77 M	4.28 M	6.42 M	8.09 M	8.15 M
EPS (Diluted)	1.81	1.37	2.08	—	—
Gross Profit	—	—	—	—	—
Operating Income	—	—	—	—	—
EBITDA	—	—	—	—	—
R&D Expenses	—	—	—	—	—
SG&A Expenses	—	—	—	—	—
D&A	578,000.0	559,000.0	466,559.0	445,939.0	434,434.0
Interest Expense	24.39 M	20.84 M	9.91 M	2.15 M	2.81 M
Income Tax	1.61 M	1.23 M	2.02 M	2.49 M	2.43 M

Balance Sheet

Annual, most recent first

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Total Assets	871.96 M	844.64 M	799.94 M	718.21 M	716.68 M
Total Liabilities	807.30 M	788.37 M	747.76 M	670.44 M	660.06 M
Shareholders' Equity	64.66 M	56.27 M	52.18 M	47.77 M	56.62 M
Total Debt	12.04 M	11.33 M	13.21 M	15.10 M	16.98 M
Cash & Equivalents	—	—	—	—	—
Current Assets	—	—	—	—	—
Current Liabilities	—	—	—	—	—