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

Earnings have grown 14.96% per last year.

Earnings are expected to fall -100% next year

EPS has been decreasing for the past 3 years (Yearly statements)

FMFG has less than 1 year of cash runway

Debt-to-Equity ratio of 1.11 is considered moderate, deeper research suggested.

In the News

FMFG Financial details

Company Rating

Buy

Market Cap

54.24M

Income

1.44B

Revenue

8.03B

Book val./share

16.92

Cash/share

67.66

Dividend

0.66

Dividend %

3.67%

Employees

Optionable

Shortable

Yes

Earnings

31 Jan 2024

P/E

0.01

Forward P/E

PEG

P/S

P/B

P/C

0.25

P/FCF

18570886.17

Quick Ratio

Current Ratio

Debt / Equity

1.11

LT Debt / Equity

0.35

EPS (TTM)

465.01

EPS next Y

EPS next Q

EPS this Y

-21.8%

EPS next Y

EPS next 5Y

EPS last 5Y

6.2%

Revenue last 5Y

10.28%

Revenue Q/Q

-99.88%

EPS Q/Q

-99.9%

SMA20

0.29%

SMA50

-1.5%

SMA100

-6.37%

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

Shs Float

Target Price

52W Range

14.5-27.0

52W High

-38.04%

52W Low

+19.5%

RSI

46.41

Rel Volume

0.09

Avg Volume

1.19K

Volume

103

Perf Week

-1.59%

Perf Month

-3.01%

Perf Quarter

Perf Half Y

-8.83%

Beta

0.125

Volatility

0.28%, 0.36%

Prev Close

-3.85%

Price

16.73

Change

-3.96%

FMFG Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2023-12-31

Metric	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	6.83	7.65	9.23	9.4	10.67
Net income per share	1.54	0.9	2.7	2.66	2.08
Operating cash flow per share	1.82	1.39	3.37	2.45	1.92
Free cash flow per share	1.74	1.26	3.26	1.39	1.64
Cash per share	15.46	18.27K	57.93	43.6	67.66
Book value per share	16.75	17.34	18.76	15.68	16.92
Tangible book value per share	17.06	15.59	16.42	11.05	12.38
Share holders equity per share	16.75	17.34	18.76	15.68	16.92
Interest debt per share	3.78	15.8	9.39	13.53	19.42
Market cap	54.33M	39.69M	66.55M	67.02M	53.95M
Enterprise value	57.73M	46.88M	69.64M	101.94M	67.42M
P/E ratio	11.91	14.8	8.17	8.28	8.41
Price to sales ratio	2.69	1.74	2.39	2.34	1.64
POCF ratio	10.09	9.59	6.55	8.99	9.14
PFCF ratio	10.6	10.57	6.77	15.78	10.7
P/B Ratio	1.1	0.77	1.18	1.4	1.03
PTB ratio	1.1	0.77	1.18	1.4	1.03
EV to sales	2.86	2.05	2.5	3.56	2.05
Enterprise value over EBITDA	-323.41	-12.76	-108.59	382.41	280.99
EV to operating cash flow	10.72	11.32	6.86	13.67	11.42
EV to free cash flow	11.26	12.49	7.09	24	13.37
Earnings yield	0.08	0.07	0.12	0.12	0.12
Free cash flow yield	0.09	0.09	0.15	0.06	0.09
Debt to equity	0.22	0.91	0.49	0.85	1.11
Debt to assets	0.03	0.07	0.04	0.06	0.07
Net debt to EBITDA	-19.03	-1.96	-4.83	131	56.13
Current ratio	0.05	0.14	0.08	0.02	0.39
Interest coverage	127.42	30.77	14.71	13.61	4.33
Income quality	1.18	1.54	1.25	0.92	0.92
Dividend Yield	0.02	0.03	0.02	0.02	0.02
Payout ratio	0.22	0.4	0.14	0.15	0.19
Sales general and administrative to revenue	0.27	0.03	0.35	0.36	0.31
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0	0.01	0.01	0.01	0.01
Capex to operating cash flow	-0.05	-0.09	-0.03	-0.43	-0.15
Capex to revenue	-0.01	-0.02	-0.01	-0.11	-0.03
Capex to depreciation	-0.75	-0.93	-0.67	-6.48	-1.71
Stock based compensation to revenue	-0.03	-0.04	-0.04	-0.03	0
Graham number	24.12	18.72	33.76	30.61	28.16
ROIC	0.08	0.06	0.1	0.09	0.06
Return on tangible assets	0.01	0	0.01	0.01	0.01
Graham Net	-118.84	18.23K	-164.99	-177.4	-535.27
Working capital	-179.51M	-274.74M	-321.88M	-482.47M	-75.31M
Tangible asset value	50.38M	46.59M	49.57M	40.73M	45.14M
Net current asset value	-382.03M	-579.25M	-631.11M	-660.58M	-699.55M
Invested capital	0.22	0.91	0.49	0.85	1.11
Average receivables	509.77K	1.03B	1.03B	1.71M	2M
Average payables	-518.04K	-1.13M	-461.88K	322.91K	916.34K
Average inventory	-5.07M	-1.05B	-1.06B	-16.86M	-1.12B
Days sales outstanding	18.44	32.9K	21.08	23.15	24.19
Days payables outstanding	-19.38	-215.94	0	54.21	0
Days of inventory on hand	-189.66	-371.53K	0	-1.13K	0
Receivables turnover	19.79	0.01	17.32	15.76	15.09
Payables turnover	-18.84	-1.69	0	6.73	0
Inventory turnover	-1.92	0	0	-0.32	0
ROE	0.09	0.05	0.14	0.17	0.12
Capex per share	-0.09	-0.13	-0.11	-1.05	-0.28

Quarterly Fundamentals Overview

Last date of statement is 2023-12-31 for Q4

Metric	2022-12-31	2023-03-31	2023-06-30	2023-09-30	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	2.58	2.42	2.54	2.59K	3.01
Net income per share	0.66	0.62	0.54	463.39	0.46
Operating cash flow per share	0.55	0.56	0.37	0.58	0.26
Free cash flow per share	0.54	0.56	0.34	0.53	0.07
Cash per share	43.25	43.7	42.59	51.82	67.66
Book value per share	15.56	16.53	16.22	15.62	16.92
Tangible book value per share	13.26	14.23	13.92	13.34	14.64
Share holders equity per share	15.56	16.53	16.22	15.62	16.92
Interest debt per share	13.24	9.14	13.86	929.21	19.06
Market cap	67.57M	66.86M	66.05M	56.56M	53.95M
Enterprise value	102.49M	86.17M	97.13M	90.02M	68.43M
P/E ratio	8.39	8.79	9.89	0.01	9.53
Price to sales ratio	8.51	9	8.47	0.01	5.81
POCF ratio	40.35	38.55	58.31	31.5	66.31
PFCF ratio	40.99	39.16	62.46	34.47	260.71
P/B Ratio	1.41	1.32	1.33	1.17	1.03
PTB ratio	1.41	1.32	1.33	1.17	1.03
EV to sales	12.91	11.6	12.46	0.01	7.37
Enterprise value over EBITDA	384.46	0.02	0.04	0.05	285.2
EV to operating cash flow	61.21	49.68	85.76	50.14	84.11
EV to free cash flow	62.17	50.47	91.85	54.86	330.67
Earnings yield	0.03	0.03	0.03	25.32	0.03
Free cash flow yield	0.02	0.03	0.02	0.03	0
Debt to equity	0.85	0.55	0.85	1.18	1.11
Debt to assets	0.06	0.04	0.06	0.08	0.07
Net debt to EBITDA	131	0	0.01	0.02	60.34
Current ratio	0.02	0.09	0.12	0.24	0.08
Interest coverage	11.43	7.16	5.98	0.67	2.53
Income quality	0.83	0.91	0.68	1.25	0.57
Dividend Yield	0.01	0	0.01	0	0.01
Payout ratio	0.31	0	0.37	0	0.43
Sales general and administrative to revenue	0.43	0.33	0.31	0	0.33
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.01	0.01	0.01	0.01	0.01
Capex to operating cash flow	-0.02	-0.02	-0.07	-0.09	-0.75
Capex to revenue	0	0	-0.01	0	-0.07
Capex to depreciation	-0.2	-0.21	-0.59	-1.24	-4.86
Stock based compensation to revenue	-0.03	0	0	0	0
Graham number	15.15	15.17	14.08	403.51	13.22
ROIC	0.02	0.02	0.02	13.6	0.01
Return on tangible assets	0	0	0	1.91	0
Graham Net	-176.27	-459.38	-477.34	-507.56	-535.45
Working capital	-482.47M	-123.49M	-110.7M	-91.8M	-530.9M
Tangible asset value	40.73M	43.72M	42.8M	41.23M	45.14M
Net current asset value	-660.58M	-659.27M	-664.97M	-680M	-700.11M
Invested capital	0.85	0.55	0.85	1.18	1.11
Average receivables	1.71M	1.78M	1.78M	1.92M	2.1M
Average payables	-4.17B	535.46K	920.99K	1.31M	1.49M
Average inventory	-13.36M	-878.98M	-1.79B	-1.94B	-2.13B
Days sales outstanding	20.59	21.07	21.08	0.02	21.13
Days payables outstanding	-5.76	-0.01	-0.01	0	0.01
Days of inventory on hand	149.35	22.34	22.42	0	-13.89
Receivables turnover	4.37	4.27	4.27	3.96K	4.26
Payables turnover	-15.64	-9.77K	-6.58K	0	9.73K
Inventory turnover	0.6	4.03	4.01	0	-6.48
ROE	0.04	0.04	0.03	29.67	0.03
Capex per share	-0.01	-0.01	-0.02	-0.05	-0.2

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 $16.73 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 1.19K
Market Capitalization 54.24M
Employee 90
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.