Farmers & Merchants Bancorp, Inc. (FMAO)
NASDAQ: FMAO · Real-Time Price · USD
24.80
-0.63 (-2.48%)
Dec 5, 2025, 4:00 PM EST - Market closed
FMAO Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Interest Income on Loans | 154.28 | 145.33 | 129.34 | 94.26 | 71.65 | 65.32 | Upgrade
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| Interest Income on Investments | 16.55 | 18.24 | 10.46 | 6.89 | 5.2 | 4.85 | Upgrade
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| Total Interest Income | 170.83 | 163.57 | 139.81 | 101.15 | 76.84 | 70.17 | Upgrade
|
| Interest Paid on Deposits | 59.61 | 64.46 | 46.92 | 9.88 | 5.42 | 8.64 | Upgrade
|
| Interest Paid on Borrowings | 11.87 | 13.2 | 11.49 | 4.48 | 1.92 | 1.76 | Upgrade
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| Total Interest Expense | 71.48 | 77.66 | 58.41 | 14.36 | 7.34 | 10.39 | Upgrade
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| Net Interest Income | 99.35 | 85.91 | 81.4 | 86.79 | 69.5 | 59.78 | Upgrade
|
| Net Interest Income Growth (YoY) | 19.68% | 5.55% | -6.21% | 24.88% | 16.26% | 11.63% | Upgrade
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| Gain (Loss) on Sale of Investments | - | - | -0.89 | - | 0.29 | 0.27 | Upgrade
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| Other Non-Interest Income | 15.26 | 14.69 | 16.23 | 14.18 | 13.42 | 12.07 | Upgrade
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| Total Non-Interest Income | 16.47 | 15.55 | 16.04 | 15.54 | 17.61 | 16.36 | Upgrade
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| Non-Interest Income Growth (YoY) | 6.26% | -3.06% | 3.24% | -11.77% | 7.65% | 38.39% | Upgrade
|
| Revenues Before Loan Losses | 115.82 | 101.46 | 97.44 | 102.32 | 87.11 | 76.13 | Upgrade
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| Provision for Loan Losses | 1.75 | 0.27 | 1.74 | 4.6 | 3.44 | 6.98 | Upgrade
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| Revenue | 114.07 | 101.19 | 95.69 | 97.72 | 83.66 | 69.15 | Upgrade
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| Revenue Growth (YoY) | 16.39% | 5.74% | -2.08% | 16.81% | 20.98% | 7.66% | Upgrade
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| Salaries and Employee Benefits | 38.1 | 37.16 | 32.83 | 28.46 | 25.79 | 23.02 | Upgrade
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| Federal Deposit Insurance | 1.85 | 2.11 | 1.98 | 0.91 | 1.07 | 0.63 | Upgrade
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| Amortization of Goodwill & Intangibles | 2.97 | 2.6 | 2.39 | 1.28 | 1.58 | 1.03 | Upgrade
|
| Selling, General & Administrative | 25.72 | 22.65 | 24.64 | 19.84 | 18.13 | 16.61 | Upgrade
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| Other Non-Interest Expense | 4.9 | 4.17 | 5.15 | 4.67 | 3.31 | 3.04 | Upgrade
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| Total Non-Interest Expense | 73.85 | 68.62 | 67.13 | 54.89 | 50.31 | 44.33 | Upgrade
|
| EBT Excluding Unusual Items | 40.22 | 32.57 | 28.56 | 42.84 | 33.36 | 24.82 | Upgrade
|
| Other Unusual Items | - | - | - | - | - | 0.43 | Upgrade
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| Pretax Income | 40.22 | 32.57 | 28.35 | 40.48 | 29.5 | 25.21 | Upgrade
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| Income Tax Expense | 8.32 | 6.64 | 5.57 | 7.96 | 6 | 5.11 | Upgrade
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| Net Income | 31.9 | 25.94 | 22.79 | 32.52 | 23.5 | 20.1 | Upgrade
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| Preferred Dividends & Other Adjustments | 0.59 | 0.51 | 0.25 | 0.28 | 0.19 | 0.15 | Upgrade
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| Net Income to Common | 31.31 | 25.43 | 22.54 | 32.23 | 23.3 | 19.94 | Upgrade
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| Net Income Growth | 38.08% | 13.83% | -29.92% | 38.39% | 16.92% | 9.20% | Upgrade
|
| Basic Shares Outstanding | 13 | 13 | 13 | 13 | 12 | 11 | Upgrade
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| Diluted Shares Outstanding | 13 | 13 | 13 | 13 | 12 | 11 | Upgrade
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| Shares Change (YoY) | -0.56% | -0.55% | 3.07% | 13.15% | 4.60% | 0.28% | Upgrade
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| EPS (Basic) | 2.33 | 1.90 | 1.67 | 2.46 | 2.01 | 1.80 | Upgrade
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| EPS (Diluted) | 2.33 | 1.90 | 1.67 | 2.46 | 2.01 | 1.80 | Upgrade
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| EPS Growth | 37.90% | 13.49% | -32.11% | 22.39% | 11.67% | 8.71% | Upgrade
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| Dividend Per Share | 0.891 | 0.882 | 0.850 | 0.800 | 0.710 | 0.660 | Upgrade
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| Dividend Growth | 1.14% | 3.82% | 6.25% | 12.68% | 7.58% | 8.20% | Upgrade
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| Effective Tax Rate | 20.69% | 20.37% | 19.63% | 19.67% | 20.35% | 20.28% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.