Farmers & Merchants Bancorp Inc/Archbold OH (FMCB)
OTCFinancialsBanks - RegionalSnapshot 2026-11-04
$1458.490.00%
Close 2026-11-04 · 1-day change
OTCFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · FMCB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 8.1% |
| Our one-year growth estimate | diamond | 9.5% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 1.4 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of — · Company calendar date is not available
FMCB — dividend update
Dated 2026-08-12
Other Events On August 12, 2026, Farmers & Merchants Bancorp announced the Board of Directors’ declaration of a quarterly cash dividend, a copy of which is included as Exhibit 99 and incorporated herein by reference.
Why it matters: Net charge-offs rose from $0.9 million a year ago to $1.4 million. A further rise would weaken the good credit trend.
Worry ifNet charge-offs top $1.4 million in a later quarter, or delinquencies rise above 0.23%.
Less concerning ifNet charge-offs stay at or below $1.4 million and delinquencies stay at or below 0.23%.
Why it matters: Higher rates raised paper losses on securities. Tangible book value fell from $963.82 to $932.14 in one quarter.
Watch forTangible book value per share rises above $963.82, its June 2026 level.
Also watch forTangible book value per share falls below $932.14, its September 2026 level.
Why it matters: The latest dividend rose 4.7% to $5.60 per share. Another increase would show that the long record continues.
Supportive ifA company release says the quarterly dividend is above $5.60 per share.
Worry ifThe next declared dividend is $5.60 or less per share, or the company reports no increase.
Why it matters: Loans grew 3.77% year over year, but deposits grew just 1.74%. Faster deposit growth would ease pressure from loans growing faster.
Supportive ifIn the next results, loans and deposits both grow year over year, and deposit growth is at least 1.74%.
Worry ifDeposits fall year over year, or loans keep growing while deposit growth stays below 1.74%.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$51 on $10,000 · ±0.5% | How much price usually moves either way. |
| Bad day | $197 loss on $10,000 · 2.0% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $838 loss on $10,000 · 8.4% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.