FMFG

Farmers and Merchants Bancshares Inc

FMFG, USA

Farmers and Merchants Bancshares, Inc. operates as the bank holding company for Farmers and Merchants Bank that provides commercial and retail banking services to individuals and businesses in 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, automated telephone services, online and mobile banking products, and other electronic banking services, as well as debit and credit cards. It operates through branches located in Hampstead, Greenmount, Reisterstown, Owings Mills, Eldersburg, and Westminster, Maryland. Farmers and Merchants Bancshares, Inc. was founded in 1919 and is headquartered in Hampstead, Maryland.

https://www.fmb1919.bank

Stock Price

$0.00

0%

increase compared to yesterday.

Dividend

Frequency:

N/A

Rate:

N/A

Next Payout:

N/A
FMFG
stock
FMFG

Farmers and Merchants Bancshares, Inc. Announces Adoption of Limited Duration Stockholder Rights Plan GlobeNewswire

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Finn Analysis

(Last Updated 2025-09-30)

Health Score

Price to Earnings Ratio (P/E)

-

Very High

11.04

Low ≥ 50

High ≤ 10

Price to Book Ratio (P/B)

-

Very Low

0.87

Low ≤ 1

High ≥ 3

Return on Equity (ROE)

-

Very Low

2.70 %

Low ≤ 5%

High ≥ 25%

Return on Assets (ROA)

-

Very Low

0.20 %

Low ≤ 2%

High ≥ 10%

Free Cash Flow - Revenue % (FCF)

-

Very High

40.06 %

Low ≤ 5%

High ≥ 15%

Debt to Equity

-

Very Low

12.77

Low ≥ 1

High ≤ 0.3

Investors

* Institutions hold a combined 0.00% of the total shares of Farmers and Merchants Bancshares Inc

* Investors data is estimated based on stocks listed on Finnton that are currently held by Institution/Fund.

Earnings History

EPS ActualEPS EstimateEPS DifferenceSurprise Percent

Upcoming Earnings Release

Date

—

EPS Estimate

—

Latest Release

Date

2025-09-30

EPS Actual

0.5339

EPS Estimate

—

EPS Difference

0

Surprise Percent

0%

Investing Fit Scorecard

(Last Updated 2025-09-30)

Deep Value
Strong Deep Value(8.5)
Defensive
Moderately Defensive(4)
Dividend
Decent Dividend Payer(3.5)
Economic Moat
Wide Moat Company(8.8)
GARP
Not Attractive for GARP(2.5)
Growth
Weak Growth Prospect(3)
Momentum
Moderate Momentum(5)
Net Net
Possible Net-Net(4)
Quality
Moderate Quality(5.5)
Value
Undervalued(6.5)

Income Statement

(Last Updated 2025-09-30)

Revenue

$ 0

Cost Of Revenue

$ 0

Gross Profit

$ 0

Operating Expenses

$ 0

Operating Income

$ 0

Interest Expense

$ 0

Pretax Income

$ 0

Net Income

$ 0

Income Tax Expense

$ 0

EBITDA

$ 0

Total Other Income Expense Net

$ 0

Earnings Per Share

0

Dividends Per Share

0

Shares Outstanding

0

Operating Margin

0%

Trend

Balance Sheet

(Last Updated 2025-09-30)

Cash

$ 0

Short Term Investments

$ 0

Receivables

$ 0

Inventories

$ 0

Total Current Assets

$ 0

Property Plant Equipment

$ 0

Total Assets

$ 0

Payables

$ 0

Short Term Debt

$ 0

Long Term Debt

$ 0

Total Liabilities

$ 0

Equity

$ 0

Trend

Cash Flow

(Last Updated 2025-09-30)

Net Income

$ 0

Depreciation

$ 0

Change In Working Capital

$ 0

Cash From Operations

$ 0

Capital Expenditures

$ 0

Cash From Investing

$ 0

Cash From Financing

$ 0

Net Change In Cash

$ 0

Trend

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