FMFG

Farmers and Merchants Bancshares, Inc. [FMFG] Stock Forecast

Q: What is Farmers and Merchants Bancshares, Inc. stock symbol ?

Farmers and Merchants Bancshares, Inc. is a US stock, located in Hampstead of Md and trading under the symbol FMFG

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FMFG Stock Summary

FMFG's dividend payments are well covered by cash flows with cash payout ratio of 0.01%.

Earnings are expected to fall -100% next year

EPS has been decreasing for the past 3 quarters (Quarter statements)

Does not have any significance market cap ($14.66M)

Profit margins (0.22%) are lower than the previous year (0.31%)

FMFG has less than 1 year of cash runway

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In the News

04:00 30 Nov 2023 FMFG

Farmers and Merchants Bancshares, Inc. Reports Record Earnings of $4,061,794 or $1.35 Per Share for the Six Months Ended June 30, 2021

HAMPSTEAD, Md., July 22, 2021 (GLOBE NEWSWIRE) -- Farmers and Merchants Bancshares, Inc. (the “Company”), the parent of Farmers and Merchants Bank (the “Bank”), announced that net income for the six months ended June 30, 2021 was $4,061,794, or $1.35 per common share, both all-time semi-annual records, compared to $1,879,362, or $0.63 per common share, for the same period in 2020. The primary driver of the significant increase in net income was the acquisition of Carroll Bancorp, Inc. and its subsidiary, Carroll Community Bank (collectively, “Carroll”), that was completed in the fourth quarter of 2020. Also, income from Paycheck Protection Program (“PPP”) loans added approximately $507,000 to net income.

04:33 30 Nov 2023 FMFG

FARMERS AND MERCHANTS BANCSHARES, INC. DECLARES CASH DIVIDEND OF $.28 PER SHARE

HAMPSTEAD, Md., May 25, 2021 (GLOBE NEWSWIRE) -- On May 17, 2021, the Board of Directors of Farmers and Merchants Bancshares, Inc., the parent of Farmers and Merchants Bank, declared a cash dividend of $.28 per share of common stock, which will be paid on June 25, 2021 to shareholders of record on June 4, 2021. The $.28 per share dividend is $.02 greater than the most recent dividend paid in December 2020. The semi-annual dividend has increased or stayed the same compared to the previous dividend 23 consecutive times, starting with the June 2010 dividend.

05:22 30 Nov 2023 FMFG

Farmers and Merchants Bancshares, Inc. Reports Earnings of $0.90 Per Share for the Year Ended December 31, 2020

HAMPSTEAD, Md., Feb. 08, 2021 (GLOBE NEWSWIRE) -- Farmers and Merchants Bancshares, Inc. (the “Company”), the parent of Farmers and Merchants Bank (the “Bank”), announced that net income for the year ended December 31, 2020 was $2,682,003, or $0.90 per common share, compared to $4,560,804, or $1.54 per common share, for the year ended December 31, 2019. Net income for the three months ended December 31, 2020 was $417,394, or $0.14 per common share, compared to $1,060,786, or $0.36 per common share, for the three months ended December 31, 2019. On October 1, 2020, the Company consummated its previously-announced acquisition of Carroll Bancorp, Inc. and Carroll Community Bank (collectively “Carroll”).

FMFG Financial details

Company Rating

Market Cap

14.66M

Income

5.01B

Revenue

22.45B

Book val./share

5915.54

Cash/share

51783.22

Dividend

0.65

Dividend %

3.71%

Employees

Optionable

Shortable

Yes

Earnings

24 Jan 2024

P/E

0.01

Forward P/E

PEG

P/S

P/B

P/C

P/FCF

4902801.97

Quick Ratio

Current Ratio

Debt / Equity

0.75

LT Debt / Equity

0.75

EPS (TTM)

1.67K

EPS next Y

EPS next Q

2.09

EPS this Y

EPS next Y

EPS next 5Y

EPS last 5Y

29.39%

Revenue last 5Y

25.75%

Revenue Q/Q

8.36%

EPS Q/Q

-17.47%

SMA20

-3.25%

SMA50

-7%

SMA100

-16.43%

Inst Own

1.68%

Inst Trans

0.41%

ROA

ROE

34%

ROC

0.04%

Gross Margin

100%

Oper. Margin

36%

Profit Margin

22%

Payout

Shs Outstand

837.86K

Shs Float

2.54M

Target Price

52W Range

17.31-27.0

52W High

-35.19%

52W Low

+2.94%

RSI

32.08

Rel Volume

1.48

Avg Volume

620

Volume

919

Perf Week

-1.13%

Perf Month

-4.63%

Perf Quarter

-16.67%

Perf Half Y

-15.87%

Beta

0.163

Volatility

0.12%, 0.3%

Prev Close

Price

17.5

Change

FMFG Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2022-12-31

Metric	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	0	0.22	6.98	0	8.83
Net income per share	0	1.54	2.23	0	2.72
Operating cash flow per share	0	1.94	0	0.63	0
Free cash flow per share	0	1.85	0	0.63	0
Cash per share	0	15.46	18.33K	0.01	0.04
Book value per share	0	16.75	7.88	0.01	0.01
Tangible book value per share	0	16.75	10.85	0.01	0.05
Share holders equity per share	0	16.75	7.88	0.01	0.01
Interest debt per share	0	1.25	4.54	0.01	0.73
Market cap	0	54.33M	39.56M	65.59M	65.44M
Enterprise value	0	45.21M	15.56M	65.58M	65.45M
P/E ratio	0	11.91	5.97	0	8.09
Price to sales ratio	0	81.87	1.91	0	2.49
POCF ratio	0	9.51	0	34.78	21.88M
PFCF ratio	0	9.95	0	34.78	21.88M
P/B Ratio	0	1.1	1.69	4.05K	3.59K
PTB ratio	0	1.1	1.69	4.05K	3.59K
EV to sales	0	68.12	0.75	0	2.49
Enterprise value over EBITDA	0	4.76	-54.01	11.66K	5.14
EV to operating cash flow	0	7.91	0	34.77	21.88M
EV to free cash flow	0	8.28	0	34.77	21.88M
Earnings yield	0	0.08	0.17	0	0.12
Free cash flow yield	0	0.1	0	0.03	0
Debt to equity	0	0	0.72	1.05	0.83
Debt to assets	0	0	0.35	0.03	0.1
Net debt to EBITDA	0	-0.96	83.33	-1.47	0
Current ratio	0	45.05	33.6	0	0
Interest coverage	0	2.52	0.08	0	5.93
Income quality	0	1.25	0	0	0.37
Dividend Yield	0	0.02	0.17	0	0
Payout ratio	0	0.22	1.02	0	0
Sales general and administrative to revenue	0	8.25	0	0	0.07
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0	0	146.96	0	0.05
Capex to operating cash flow	0	-0.04	0	0	0
Capex to revenue	0	-0.39	0	0	0
Capex to depreciation	0	-1.2	0	0	0
Stock based compensation to revenue	0	0	0	0	0
Graham number	0	24.12	19.87	0	0.61
ROIC	0	0.15	-0.01	0	292.07
Return on tangible assets	0	0.01	0	0	54.25
Graham Net	0	-117.29	18.84K	-0.21	0.04
Working capital	0	45.64M	39.76M	26.87K	134.55K
Tangible asset value	412.59B	49.45M	-7.03B	16.18K	134.03K
Net current asset value	0	-346.09M	25.22M	-621.7K	119.45K
Invested capital	0	0	0.72	1.05	0.83
Average receivables	0	509.77K	1.03B	1.03B	1.71K
Average payables	0	0	0	0	0
Average inventory	0	0	0	0	0
Days sales outstanding	0	560.71	36.17K	0	0.03
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	0	0.65	0.01	0	14.47K
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0	0.09	0.28	0	443.9
Capex per share	0	-0.09	0	0	0

Quarterly Fundamentals Overview

Last date of statement is 2023-09-30 for Q3

Metric	2022-09-30	2022-12-31	2023-03-31	2023-06-30	2023-09-30
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	2.21	4.51	2.37K	2.48K	2.59K
Net income per share	0.66	1.37	639.05	561.48	463.39
Operating cash flow per share	0	0	0	0	0
Free cash flow per share	0	0	0	0	0
Cash per share	48.11	44.62	45.09K	43.97K	51.78K
Book value per share	5.6	6.13	7.13K	6.69K	5.92K
Tangible book value per share	50.72	47.43	47.86K	47.17K	55.46K
Share holders equity per share	5.6	6.13	7.13K	6.69K	5.92K
Interest debt per share	5.4	5.46	5.39K	5.47K	5.34K
Market cap	64.7M	65.44M	64.76M	63.92M	56.56M
Enterprise value	65.77M	74.12M	6.39B	3.18B	-9.74B
P/E ratio	8.19	4.02	0.01	0.01	0.01
Price to sales ratio	9.82	4.88	0.01	0.01	0.01
POCF ratio	0	21.88M	0	0	0
PFCF ratio	0	21.88M	0	0	0
P/B Ratio	3.89	3.59	0	0	0
PTB ratio	3.89	3.59	0	0	0
EV to sales	9.99	5.53	0.91	0.43	-1.22
Enterprise value over EBITDA	21.61	26.4	1.62	1.44	-5.13
EV to operating cash flow	0	24.78M	0	0	0
EV to free cash flow	0	24.78M	0	0	0
Earnings yield	0.03	0.06	29.35	26.13	25.32
Free cash flow yield	0	0	0	0	0
Debt to equity	0.94	0.83	0.69	0.71	0.75
Debt to assets	0.09	0.1	0.09	0.09	0.07
Net debt to EBITDA	0.35	3.09	1.6	1.41	-5.16
Current ratio	0.02	0	0	0	0
Interest coverage	6.16	2.44	2.83	1.05	0.67
Income quality	0	0	0	0	0
Dividend Yield	0	0.01	0	0	0
Payout ratio	0	0.15	0	0	0
Sales general and administrative to revenue	0.06	0.07	0	0	0
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.04	0.05	0.04	0.05	0.04
Capex to operating cash flow	0	0	0	0	0
Capex to revenue	0	0	0	0	0
Capex to depreciation	0	0	0	0	0
Stock based compensation to revenue	0	0	0	0	0
Graham number	9.14	13.73	10.12K	9.19K	7.85K
ROIC	0.07	0.06	0.08	0.05	0.04
Return on tangible assets	0.01	0.03	0.01	0.01	0.01
Graham Net	43.28	40.01	40.61K	39.67K	47.85K
Working capital	-8.2B	134.55M	135.86B	132.62B	162.06B
Tangible asset value	143.81M	134.03M	135.33B	133.27B	164.37B
Net current asset value	129.14M	119.45M	121.23B	118.47B	148.37B
Invested capital	0.94	0.83	0.69	0.71	0.75
Average receivables	1.59M	1.71M	870.56M	1.78B	1.92B
Average payables	0	0	0	0	0
Average inventory	0	0	0	0	0
Days sales outstanding	21.87	12.19	22.2	22.25	22.71
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	4.12	7.38	4.05	4.05	3.96
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.12	0.22	0.09	0.08	0.08
Capex per share	0	0	0	0	0

FMFG Dividend History

FMFG Frequently Asked Questions

What is Farmers and Merchants Bancshares, Inc. stock symbol ?

Farmers and Merchants Bancshares, Inc. is a US stock , located in Hampstead of Md and trading under the symbol FMFG

What is Farmers and Merchants Bancshares, Inc. stock quote today ?

Farmers and Merchants Bancshares, Inc. stock price is $17.5 today.

Is Farmers and Merchants Bancshares, Inc. stock public?

Yes, Farmers and Merchants Bancshares, Inc. is a publicly traded company.

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Company Profile

Volume Average 620
Market Capitalization 14.66M
Employee 87
CEO Mr. Gary A. Harris
Headquarters Hampstead,MD,US
IPO Date 2004-05-12
Website https://www.fmb1919.bank

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.