Farmers & Merchants Bancorp, Inc. cash flow to debt ratio of 12.13% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Farmers & Merchants Bancorp, Inc.'s free cash flow has increased 13.12% from $30.60M last year to $34.62M, signaling increasing performance

Farmers & Merchants Bancorp, Inc.'s debt to equity ratio is 0.57, which means that the company's assets are healthy financed, signaling financial stability.

Farmers & Merchants Bancorp, Inc.'s debt has decreased relative to shareholder equity from 0.92 last year to 0.57 today, signaling strengthened financials

Farmers & Merchants Bancorp, Inc. has a net cash position, so leverage is healthy.

Farmers & Merchants Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Farmers & Merchants Bancorp, Inc.'s profit margin has increased (39.75%) in the last year from 14.69% to 20.53%, signaling increasing performance

Farmers & Merchants Bancorp, Inc.'s short-term liabilities of $2.77B exceed its short-term assets of $309.46M, signaling financial risk

Farmers & Merchants Bancorp, Inc.'s return on assets of 1.14% is lower than the 5.00% threshold, indicating inefficient asset utilization

Farmers & Merchants Bancorp, Inc.'s return on equity of 10.72%, is lower than 15.00%, indicating bad performance

Farmers & Merchants Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Farmers & Merchants Bancorp, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Farmers & Merchants Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Farmers & Merchants Bancorp, Inc. has a free cash flow yield of 7.31%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Farmers & Merchants Bancorp, Inc.'s yearly earnings has increased 28.42% since last year from $25.94M to $33.31M, signaling increasing performance

Farmers & Merchants Bancorp, Inc.'s yearly revenue has increased 7.10% since last year from $176.56M to $189.09M, signaling increasing performance

ROIC 1.14% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Farmers & Merchants Bancorp, Inc.'s 3-year revenue CAGR of 18.49% is positive, indicating growing revenue over the past 3 years

Farmers & Merchants Bancorp, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Farmers & Merchants Bancorp, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Farmers & Merchants Bancorp, Inc. is overvalued relative to its fair value price of 25.60 based on Discounted Cash Flow model

Farmers & Merchants Bancorp, Inc. has an earnings yield of 8.47%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Farmers & Merchants Bancorp, Inc. is overvalued relative to its fair value price of 6.94 based on EBITDA multiple model

Farmers & Merchants Bancorp, Inc. has an EV/EBITDA ratio of 9.37x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Farmers & Merchants Bancorp, Inc. is undervalued relative to its fair value price of 60.72 based on Earnings Fair Value model

Farmers & Merchants Bancorp, Inc. has a PEG-ratio under 1 which is considered undervalued

Farmers & Merchants Bancorp, Inc. has a price-to-book ratio of 1.23x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Farmers & Merchants Bancorp, Inc. has a price-to-sales ratio of 2.42x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue