Farmers and Merchants Bancshares, Inc.FF

Farmers and Merchants Bancshares, Inc.

16.53USDD
+0.03+0.18%
At close at Jul 24, 18:29 GMT
USD
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FMFG fundamentals

Key facts

Market capitalization‪52.49 M‬USD
Founded1919
CEOGary A. Harris
About

Farmers & Merchants Bancshares, Inc. (Maryland) is a holding company, which engages in the provision of commercial and retail banking services. It offers checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts for local consumers. The firm also provides credit and deposit services for small to medium size businesses and the agricultural community. The company was founded 1919 and is headquartered in Hampstead, MD.

Ownership
‪‪3.18 M‬‬
Free Float shares
‪‪2.23 M‬‬ (70.34%)
Closely held shares
‪‪941.73 K‬‬ (29.66%)
Free Float shares
‪‪2.23 M‬‬ (70.34%)
Closely held shares
‪‪941.73 K‬‬ (29.66%)
Capital structure
Market cap
‪‪52.49 M‬‬
Debt
‪‪25.16 M‬‬
Cash & equivalents
‪‪30.28 M‬‬
Enterprise value
‪‪47.37 M‬‬

Valuation

Fundamental metrics to determine fair value of the stock

Summary
‪‪52.49 M‬‬
Price to earning ratio (P/E)
12.01x
Price to sales ratio (P/S)
1.25x
Market Cap
Net income
Revenue
Price to earning ratio (P/E)
12.01x
Price to sales ratio (P/S)
1.25x
Valuation ratios
‪0.00‬
‪0.45‬
‪0.90‬
‪1.35‬
‪1.80‬
Q2 '24
Q3 '24
Q4 '24
Q1 '25
Q2 '25
‪0.00‬
‪4.00‬
‪8.00‬
‪12.00‬
‪16.00‬
P/E
P/S

Growth and Profitability

Company’s recent performance and margins

Performance
‪7.5%‬
‪8.5%‬
‪9.5%‬
‪10.5%‬
‪11.5%‬
Q2 '24
Q3 '24
Q4 '24
Q1 '25
Q2 '25
‪0.00‬
‪‪3.00 M‬‬
‪‪6.00 M‬‬
‪‪9.00 M‬‬
‪‪12.00 M‬‬
Total revenue
Net income
Net margin %
Revenue to profit conversion
Total revenue
Int. expense & PCL
Non-int. expense
Op income
Unusual income/ expense
Pretax income
Taxes & Other
Net income
‪0.00‬
‪‪3.00 M‬‬
‪‪6.00 M‬‬
‪‪9.00 M‬‬
‪‪12.00 M‬‬
Total revenue
Int. & Non-int. expenses
Op income
Expenses & adjustments
Net income
‪0.00‬
‪‪3.00 M‬‬
‪‪6.00 M‬‬
‪‪9.00 M‬‬
‪‪12.00 M‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business
Period: 2024
Banking and Related Activities
By country
Period: 2024
United States

Dividends

Dividend yield, history and sustainability

Dividend summary
49.48%
Earnings retained
Payout ratio (TTM)
Dividend yield TTM
4.04%
Last payment
0.34
Last ex-date
Jul 11, 2025
Last pay date
Today
Dividend history
‪2.5%‬
‪2.9%‬
‪3.3%‬
‪3.7%‬
‪4.1%‬
2020
2021
2022
2023
2024
‪0.00‬
‪0.17‬
‪0.34‬
‪0.51‬
‪0.68‬
Dividends per share (FY)
Dividend yield (FY) %

Financial health

Financial position and solvency of the company

Loans and customer deposits
Q2 '24
Q3 '24
Q4 '24
Q1 '25
Q2 '25
‪‪−260.00 M‬‬
‪0.00‬
‪‪260.00 M‬‬
‪‪520.00 M‬‬
‪‪780.00 M‬‬
Net loans
Total deposits
Loan loss allowances
Capital adequacy analysis
Q2 '24
Q3 '24
Q4 '24
Q1 '25
Q2 '25
‪0.00‬
‪3.50‬
‪7.00‬
‪10.50‬
‪14.00‬
Common equity Tier 1 ratio
Tier 1 capital ratio
Total capital ratio