Farmers and Merchants Bancshares, Inc.
Farmers and Merchants Bancshares, Inc.
Your view on FMFG
Overview
What the company does, where it operates, and who runs it.
About Farmers and Merchants Bancshares, Inc.
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Gary A. Harris
- Headquarters
- 4510 Lower Beckleysville Road, Hampstead, MD, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Gary A. Harris
- Headquarters
- 4510 Lower Beckleysville Road, Hampstead, MD, US
Farmers and Merchants Bancshares, Inc., through its subsidiary Farmers and Merchants Bank, provides commercial and retail banking services to individuals and businesses in Baltimore and Carroll counties in Maryland, and surrounding areas of northern Maryland.
It offers checking, savings, money market, individual retirement, and sweep accounts, as well as certificates of deposit, remote check deposits, and repurchase agreements.
The company also provides credit for residential mortgages, including federal housing administration and veterans affairs loans; construction loans; home equity lines; personal installment loans; and other consumer financing, as well as finances commerce and industry by providing credit and deposit services for small to medium size businesses and the agricultural community.
In addition, it offers commercial lending, which includes commercial mortgages, land acquisition and development loans, lines of credit, accounts receivable financing, and term loans for fixed asset purchases, as well as loans guaranteed by the Small Business Administration and the United States Department of Agriculture.
Further, the company provides automated teller machine, internet, mobile banking, and automated telephone services, as well as debit and credit cards.
It serves customers through its office located in Upperco, Maryland; six branches located in Hampstead, Greenmount, Reisterstown, Owings Mills, Eldersburg, and Westminster, Maryland; and a satellite branch located in Westminster, Maryland. Farmers and Merchants Bancshares, Inc. was founded in 1919 and is headquartered in Hampstead, Maryland.
Media
Infographics, videos, and posts covering the company.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for Farmers and Merchants Bancshares, Inc., and the rating behind it. FMFG last traded at $19.03, 8.4× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for Farmers and Merchants Bancshares, Inc.. Starting points for Farmers and Merchants Bancshares, Inc.: P/E 8.4, EPS $2.26, beta -0.24 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for Farmers and Merchants Bancshares, Inc.. Farmers and Merchants Bancshares, Inc. does not currently pay a regular dividend, so this section tracks capacity rather than history. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for Farmers and Merchants Bancshares, Inc.. Trailing twelve-month EPS for Farmers and Merchants Bancshares, Inc. stands at $2.26. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for Farmers and Merchants Bancshares, Inc.. Farmers and Merchants Bancshares, Inc. has reported as a listed company since 2004. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
Farmers and Merchants Bancshares, Inc. valued side by side against its closest peers. Farmers and Merchants Bancshares, Inc. is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold Farmers and Merchants Bancshares, Inc., and how their positions are changing. At a $61.0M market value, institutional positions materially move Farmers and Merchants Bancshares, Inc.'s register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by Farmers and Merchants Bancshares, Inc. executives and directors. Shares of Farmers and Merchants Bancshares, Inc. have traded between $14.76 and $21.00 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming Farmers and Merchants Bancshares, Inc.. Farmers and Merchants Bancshares, Inc. is a $61.0M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming Farmers and Merchants Bancshares, Inc.. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for Farmers and Merchants Bancshares, Inc.. Coverage tracks Farmers and Merchants Bancshares, Inc. within Banks - Regional (Financial Services). Press releases and market coverage, newest first.