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Farmers & Merchants Bancshares, Inc. FMFG
Farmers & Merchants Bancshares, Inc. (FMFG) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1152 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| FMFG | Farmers & Merchants Bancshares, Inc. | 4/9 | — | — | — |
| BBT | Beacon Financial Corp | 5/9 | — | 29.2 | -92.5% |
| PBFS | Pioneer Bancorp, Inc./MD | 4/9 | — | 20.8 | +5.8% |
| RBKB | Rhinebeck Bancorp, Inc. | 4/9 | — | 19.3 | — |
| ECBK | ECB Bancorp, Inc. /MD/ | 5/9 | — | 22.1 | — |
| MUFG | MITSUBISHI UFJ FINANCIAL GROUP INC | 4/9 | — | — | +9.5% |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
All Finance, Insurance & Real Estate companies →
About Farmers & Merchants Bancshares, Inc.
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, certificates of deposits and individual retirement, and sweep accounts, as well as 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 financing 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.
FAQ
Is FMFG financially healthy?
Farmers & Merchants Bancshares, Inc.'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does FMFG pay a dividend, and is it safe?
Yes. Farmers & Merchants Bancshares, Inc. pays a dividend with a 23.0% payout ratio, rated “safe” for safety.
How profitable is FMFG?
In FY2025, Farmers & Merchants Bancshares, Inc. had a return on equity of 8.9%.
Is FMFG overvalued or undervalued?
Farmers & Merchants Bancshares, Inc. trades at about 10.4× trailing earnings — near its 10-year norm (10-year range 7.8×–11.7×, median 10.6×). Stocktoria reports the data, not buy/sell advice.
Is FMFG a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Farmers & Merchants Bancshares, Inc.: a Piotroski F-score of 4/9. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.