Operating profit before amortization: Farmers & Merchants Bancorp, Inc. (FMAO)

Brandmark of fm.bank (FMAO)

Volatility risks associated with agricultural loans are evident in the operating cash flow before amortization, where this metric equals 0.00. The loyalty of multi-generational Ohio farmers strengthens the position of Farmers & Merchants Bancorp (FMAO), creating a reliable foundation. Consistent cash generation and a strong regional foothold eliminate liquidity shortages, ensuring a steady stream of interest payments and balance sheet protection.

FMAO Farmers & Merchants Bancorp: Profit before payment of interest, taxes and amortization in the range 11/23/2025 - 11/12/2026

Farmers & Merchants Bancorp, Inc. (FMAO) - metric breakdowns and financial figures

- market price and analyst price targets:
Stock Price Farmers & Merchants Corp|FMAO - Price Target Chart
- company stock exchange capitalization indicators:
Market Capitalization Farmers & Merchants Bancorp|FMAO - Total Company Value
- balance sheet net asset value indicators:
Book Value per Share Farmers & Merchants Bancorp|FMAO - Company Book Value|Market Capitalization to Book Value fm.bank|FMAO - Company Total Assets
- debt level and financial liquidity data:
Aggregate Debt to Equity Farmers & Merchants Bancorp|FMAO - Long-Term Debt to Capital|Short-Term Debt to Capital Farmers & Merchants Bank|FMAO - Company Debts|Debt to Net Assets Ratio Farmers & Merchants Bancorp|FMAO - Company Long-Term Debt|Company Current Liabilities Farmers & Merchants Bancorp|Immediate Liquidity fm.bank
- business earnings and investment ratios data:
FMAO - Company Net Income|Expected Net Income Farmers & Merchants Bancorp|FMAO - Price to Earnings Ratio|Market Cap to Projected Earnings fm.bank|FMAO - Price/Earnings to Growth Multiple|Business Value to Operating Income Before Depreciation Farmers & Merchants Bancorp|FMAO - Operating profit before amortization|Earnings per share for the last four quarters Farmers & Merchants Bancorp|FMAO - Net earnings per share for the last 12 months|Year-over-year earnings per one share growth for the last 12 months fm.bank|FMAO - Earnings per share growth in current year|Expected earnings per share growth for next year Farmers & Merchants Bancorp
Analysis of all company metrics:Farmers & Merchants Corp
Finished products of Farmers & Merchants Bancorp, Inc.

Absolute operating profit measures the actual cash flow from core operations before depreciation and taxes, allowing for an assessment of resource generation efficiency regardless of debt load. By analyzing operating earnings trends, an investor can see how Farmers & Merchants Bancorp (FMAO) is transforming M&A synergies from a series of rural bank acquisitions into real capital growth while minimizing the risk of frozen funds.

Competitors of Farmers & Merchants Bancorp (FMAO)

Operating profit EBITDA BancFirst Corp. BANF|TFSL - Profit before payment of interest, taxes and amortization|CBU (cbna.com) - Operating profit before amortization|TowneBank Inc. (TOWN) - Profit before payment of interest, taxes and amortization|NBT Bancorp (NBTB) - Operating profit EBITDA|Profit before payment of interest, taxes and amortization First Bancorp Corp|Stock Yards Corp (SYBT) - Operating income before deduction of amortization|Operating profit EBITDA DCOM|BFC: Profit before deduction of interest, taxes, depreciation and amortization|Operating profit EBITDA CTBI (Community Trust Bank)|Operating profit EBITDA Burke & Herbert Bank & Trust Company BHRB|SBSI - Profit before payment of interest, taxes and amortization|Income before deduction of interest, taxes and amortization EQBK (Equity Financial)|CNB Financial Corporation (CCNE) - Profit before payment of interest, taxes and amortization|Operating profit before deduction of amortization ccbg.com|TRST (TrustCo Bank) - Operating profit EBITDA|Profit before interest, taxes and amortization HomeTrust Bancshares HTB|Profit before payment of interest, taxes and amortization Mid Penn Bancorp Inc (MPB)|FSBC (Five Star Corp) - Income before deduction of interest, taxes and amortization|Profit before payment of interest, taxes and amortization Orrstown Financial Services ORRF|Operating income before deduction of amortization needhambank.com (NBBK)|FCBC: Operating profit before deduction of amortization|Income before deduction of interest, taxes and amortization IBCP (Independent Bank Corporation)|Operating profit before amortization South Plains Financial Inc|NPB: Company profit before taxes, interest and amortization|Operating profit before deduction of amortization SMBC|HTBK: Income before deduction of interest, taxes and amortization|Profit before payment of interest, taxes and amortization hinghamsavings.com (HIFS)|Operating profit before deduction of amortization HarborOne Bancorp, Inc. HONE|Operating profit EBITDA SHBI (Shore Bancshares Inc)|Third Coast Corp (TCBX) - Profit before interest, taxes and amortization|FMNB - Profit before payment of interest, taxes and amortization|Income before deduction of interest, taxes and amortization BHB (Bar Harbor Bankshares)|UNTY: Operating profit EBITDA|Operating profit before deduction of amortization Peoples Financial Services Corp.|PGC (Peapack-Gladstone Financial Corp) - Operating profit EBITDA|NFBK: Income before deduction of interest, taxes and amortization|Operating profit EBITDA ACNB|Operating profit EBITDA flushingbank.com (FFIC)|Profit before payment of interest, taxes and amortization Bridgewater Bank BWB|BSVN: Operating profit before amortization|COFS: Operating profit before deduction of amortization|Carter Corp - Company profit before taxes, interest and amortization|Home Bancorp, Inc. (HBCP) - Profit before payment of interest, taxes and amortization|KRNY - Operating income before deduction of amortization|Operating profit before deduction of amortization FRBA|CWBC: Income before deduction of interest, taxes and amortization|Operating profit EBITDA CIVB|Profit before payment of interest, taxes and amortization GCBC (Greene County Corp)|Operating profit EBITDA BMRC (Bank of Marin Bancorp)|Operating profit EBITDA Blue Ridge Bankshares, Inc. BRBS|PDLB - Profit before payment of interest, taxes and amortization|OBT (Orange County Bancorp, Inc.) - Operating profit before amortization|WTBA: Operating profit EBITDA|Operating profit before deduction of amortization Pioneer Financial|Profit before payment of interest, taxes and amortization BayCom Corp|Profit before interest, taxes and amortization avidiabank.com AVBC|Profit before payment of interest, taxes and amortization FS Bancorp (FSBW)|CZNC (C&N Bank) - Income before deduction of interest, taxes and amortization|Profit before payment of interest, taxes and amortization Pacific City Bank PCB|CBAN (Colony Bankcorp) - Profit before deduction of interest, taxes, depreciation and amortization|Plumas Bank Corp - Operating profit EBITDA|Profit before deduction of interest, taxes, depreciation and amortization FNLC|necommunitybank.com (NECB) - Profit before payment of interest, taxes and amortization|Operating profit before deduction of amortization John Marshall Bank|TSBK (Timberland Bancorp, Inc.) - Operating profit EBITDA|Operating profit EBITDA WaterStone Financial|Profit before payment of interest, taxes and amortization LINKBANCORP, Inc. (LNKB)|PKBK - Profit before interest, taxes and amortization|Profit before payment of interest, taxes and amortization Fidelity Bank FDBC|Middlefield Banc Corp. - Profit before payment of interest, taxes and amortization|CHMG - Profit before payment of interest, taxes and amortization|Profit before interest, taxes and amortization Westfield Bank Corp|NWFL: Operating profit EBITDA|Operating profit before deduction of amortization fvcbank.com|FBLA (Fidelity Federal Savings Bank) - Operating profit EBITDA|Operating profit EBITDA Oak Valley Bancorp Inc|Profit before payment of interest, taxes and amortization Provident Bancorp (PVBC)|Profit before payment of interest, taxes and amortization LCNB (lcnb.com)|First Community Corporation - Operating profit before deduction of amortization|Income before deduction of interest, taxes and amortization BPRN|Hawthorn Bancshares Inc - Operating profit EBITDA|FRAF: Profit before payment of interest, taxes and amortization|VABK: Operating profit EBITDA|Open Bank (OPBK) - Operating profit EBITDA|Profit before payment of interest, taxes and amortization First National Corp|Operating profit before amortization CBNA (Chain Bridge Bank, N.A.)|Profit before payment of interest, taxes and amortization Eagle Financial Services, Inc (EFSI)|Operating profit EBITDA bluefoundrybank.com (BLFY)|Profit before payment of interest, taxes and amortization First Savings Financial Group Inc. FSFG|Operating income before deduction of amortization Ames National Corp (ATLO)|Peoples Bank - Operating profit EBITDA|Profit before deduction of interest, taxes, depreciation and amortization CBFV|BVFL: Operating profit EBITDA|United Security Bank (UBFO) - Operating profit EBITDA|Profit before payment of interest, taxes and amortization MainStreet Bank|HNVR: Income before deduction of interest, taxes and amortization|Profit before payment of interest, taxes and amortization Citizens Community Bancorp (CZWI)|Operating profit before deduction of amortization cfbankonline.com CFBK|Operating profit EBITDA RMBI (Richmond Mutual Bancorporation, Inc.)|First Capital Inc. (FCAP) - Profit before interest, taxes and amortization|BCBP - Profit before payment of interest, taxes and amortization|Income before deduction of interest, taxes and amortization ECBK (ECB Bancorp, Inc.)|opportunitybank.com (EBMT) - Profit before payment of interest, taxes and amortization|FNWD - Operating income before deduction of amortization|Operating profit before deduction of amortization RBKB|SBFG: Income before deduction of interest, taxes and amortization|Operating profit before amortization Affinity Bancshares AFBI|Company profit before taxes, interest and amortization FGBI|SR Bancorp - Operating profit before deduction of amortization|Income before deduction of interest, taxes and amortization BSBK|UNB - Profit before payment of interest, taxes and amortization|Sound Financial Bancorp Inc (SFBC) - Operating profit before deduction of amortization|MGYR: Operating profit EBITDA|Profit before interest, taxes and amortization Riverview Community Bank (RVSB)|Profit before payment of interest, taxes and amortization Lake Shore Bancorp|PBHC: Income before deduction of interest, taxes and amortization|Operating profit EBITDA CFSB|Operating profit before deduction of amortization auburnbank.com AUBN|Operating profit EBITDA IROQ (Iroquois Federal)|Income before deduction of interest, taxes and amortization UBCP|Summit Bank - Operating profit EBITDA|FDSB - Operating profit EBITDA|First US Bancshares (FUSB) - Profit before payment of interest, taxes and amortization|Operating profit before amortization BOTJ|Operating profit before deduction of amortization CPBI|BYFC (Broadway Financial Corp) - Company profit before taxes, interest and amortization|Profit before payment of interest, taxes and amortization NSTS Bancorp, Inc. (NSTS)|Operating income before deduction of amortization catalystbank.com|First Seacoast Bank - Operating profit before deduction of amortization|Income before deduction of interest, taxes and amortization ASRV|PB Bankshares, Inc. - Operating profit EBITDA|OPHC: Profit before payment of interest, taxes and amortization|TCBS: Operating profit EBITDA|hfb.bank (HFBL) - Operating profit EBITDA|Profit before payment of interest, taxes and amortization First Home Bank|Operating profit before amortization MBBC (Marathon Bancorp Inc.)|Operating profit EBITDA KFFB|Operating profit before deduction of amortization thebankofglenburnie.com GLBZ|Profit before payment of interest, taxes and amortization Carver Bancorp CARV|brooklinebancorp.com (BRKL) - Profit before interest, taxes and amortization|EBTC - Profit before payment of interest, taxes and amortization|Income before deduction of interest, taxes and amortization ESSA (ESSA Bancorp)|evansbank.com (EVBN) - Profit before payment of interest, taxes and amortization|Profit before deduction of interest, taxes, depreciation and amortization FBMS (The First Bank)|FLIC (First National Bank of Long Island) - Operating profit EBITDA|justcallhome.com - Profit before deduction of interest, taxes, depreciation and amortization|Profit before payment of interest, taxes and amortization HomeTrust Bancshares (HTBI)|Operating profit before deduction of amortization independent-bank.com IBTX|Operating profit EBITDA MCBC (Macatawa Bank Corp.)|Operating profit EBITDA Old Point Trust OPOF|PWOD - Profit before payment of interest, taxes and amortization|Profit before interest, taxes and amortization sandyspringbank.com|Territorial Bancorp Inc. (TBNK) - Profit before payment of interest, taxes and amortization|VBFC (Village Bank and Trust Financial Corp) - Profit before payment of interest, taxes and amortization|Profit before payment of interest, taxes and amortization William Penn Bank|Profit before interest, taxes and amortization 1895 Bancorp BCOW|Operating profit EBITDA SSBK