Farmers & Merchants Bancorp Inc/Archbold OH (FMCB)
OTCFinancialsBanks - RegionalSnapshot 2026-11-05
$1451.60-0.47%
Close 2026-11-05 · 1-day change
OTCFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · FMCB
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
We experienced solid loan growth of $40.5 million during the quarter compared to the second quarter of 2026 and loan growth of $136.0 million when compared to September 30, 2025.
Stated in 2 of 2 supplied quarters. Management reported: “We experienced solid loan growth of $40.5 million during the quarter compared to the second quarter of 2026 and loan growth of $136.0 million when compared to September 30, 2025.” “Deposits increased $85.0 million compared to September 30, 2025 as we continued our focus on growing deposits with both our longstanding established client relationships while developing new client relationships.”
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 61% for the rest of the cohort, n=10284).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“We experienced solid loan growth of $40.5 million during the quarter compared to the second quarter of 2026 and loan growth of $136.0 million when compared to September 30, 2025.”
“Deposits increased $332.6 million or 7.0% compared to June 30, 2025 as we continued our focus on growing deposits with both our longstanding established client relationships while developing new clie…”
We achieved these impressive results while continuing to maintain a strong liquidity position and balance sheet at quarter-end with $172.0 million in cash, $1.5 billion in investment securities of wh…
Stated in 2 of 2 supplied quarters. Management reported: “We achieved these impressive results while continuing to maintain a strong liquidity position and balance sheet at quarter-end with $172.0 million in cash, $1.5 billion in investment securities of which $862.5 million were available-for-sale, no borrowings and access to $2.1 billion in borrowing capacity.” “Capital levels continued to strengthen and were significantly above the regulatory thresholds for “well-capitalized” banks at quarter-end.”
“We achieved these impressive results while continuing to maintain a strong liquidity position and balance sheet at quarter-end with $172.0 million in cash, $1.5 billion in investment securities of wh…”
“We achieved these impressive results while continuing to maintain a strong liquidity position and balance sheet at quarter-end with $278.6 million in cash, $1.6 billion in investment securities of wh…”
Overall credit quality remained resilient during the third quarter of 2026.
Stated in 2 of 2 supplied quarters. Management reported: “Overall credit quality remained resilient during the third quarter of 2026.” “3 Credit Quality The Company’s credit quality remained solid during the third quarter of 2026 with a negligible delinquency ratio of 0.23% of gross loans and leases.”
“Overall credit quality remained resilient during the third quarter of 2026.”
“Overall credit quality remained resilient during the second quarter of 2026.”
Exhibit 99 Farmers & Merchants Bancorp (FMCB) Announces Increase in Quarterly Dividend Farmers & Merchants Bancorp (OTCQX: FMCB ) (the “Company” or “FMCB”), the parent company of Farmers & Merchants…
Stated in a supplied disclosure. Management reported: “Exhibit 99 Farmers & Merchants Bancorp (FMCB) Announces Increase in Quarterly Dividend Farmers & Merchants Bancorp (OTCQX: FMCB ) (the “Company” or “FMCB”), the parent company of Farmers & Merchants Bank of Central California (the “Bank” or “F&M Bank”), declared a quarterly cash dividend of $5.60 per share, up 4.7% from $5.35 for the previous quarter which was paid on July 1, 2026.” “This year marks the 91st consecutive year that the Company has paid cash dividends and the 61st consecutive year the Company has increased dividends.”
Ensure resilient credit quality with low delinquency, stable allowance for credit losses, and controlled net charge-offs.
Over the trailing year it converted 1.25x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9158).
Not enough signal yet.
Not enough signal to read sensitivity to the broad stock market, the US dollar, long-term interest rates, Fed net liquidity, real (inflation-adjusted) rates (low R² over the window).
15 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 58% for the rest of the cohort, n=10134).
Not investment advice. As of 2026-11-05.