Stock Ratings / Financials / FMAO / insiders

NRIM (77) PDLB (65) KRNY (52) WSBF (58) ⌘ Pro Terminal →

Farmers & Merchants Bancorp Inc. (FMAO) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$37.11 +1.48% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Farmers & Merchants Bancorp Inc. (FMAO) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $510.7M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FMAO)Realized 20D OHLCV Swing Band: ±5.9%

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

FMAO Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (FMAO)

No recent open-market Form 4 cluster sales or emergency dumps flagged on FMAO. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (FMAO Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

FMAO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +38.57%⚡ TESTING RESISTANCE

2026-10-30O $37.00H $37.27L $36.41C $37.11VOL 48.9K

RES: $37.75SUP: $34.38SMA50: $35.16SMA200: $30.04

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FMAO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FMAO Butterfly Map → + Track FMAO →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

7.6%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FMAO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FMAO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FMAO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FMAO)

Financials Rank #256 of 1096 ⚔️ NRIM vs FMAO Full Matrix →

1. Head-to-Head Financials Peer Comparison (FMAO vs. NRIM, PDLB, KRNY, WSBF)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Farmers & Merchants Bancorp Inc. (FMAO) ranks #256 by composite RQD confidence (67/100, grade C+) and #700 by equity capitalization ($510.7M). Within this direct 5-issuer industry benchmark cohort, NRIM leads on earnings valuation at 8.3x trailing P/E, while NRIM leads on capital efficiency and profitability with 19.8% ROIC and — gross margin. NRIM currently holds the highest overall quantitative score in the immediate peer group at 77/100 (B+) compared with FMAO at 67/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FMAO ACTIVE Farmers & Merchants Bancorp Inc.	C+	67/100	15.3x	—	9.0%	+1.48%	$510.7M	Benchmark Subject
NRIM Northrim BanCorp Inc	B+	77/100	8.3x	—	19.8%	+0.83%	$537.9M	/nrim-vs-fmao →
PDLB Ponce Financial Group Inc.	C	65/100	19.9x	—	5.1%	+1.21%	$548.6M	/pdlb-vs-fmao →
KRNY Kearny Financial Corp	D+	52/100	23.0x	—	3.4%	+0.11%	$599.3M	/krny-vs-fmao →
WSBF Waterstone Financial Inc. (MD)	D+	58/100	13.5x	—	7.6%	+0.30%	$356.5M	/wsbf-vs-fmao →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000792966

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Farmers & Merchants Bancorp Inc. (FMAO) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $33.3M, operating cash flow of $36.7M, and free cash flow of $35.0M (+14.3% YoY). On the balance sheet, FMAO closed FY2025 with $3.43B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$33.3M	$36.7M	$35.0M	$3.43B	—
FY2024 (FY)	2024-12-31	$0	$25.9M	$32.5M	$30.6M	$3.36B	—
FY2023 (FY)	2023-12-31	$0	$22.8M	$22.1M	$22.1M	—	—

3. FMAO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FMAO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Farmers & Merchants Bancorp Inc. (NASDAQ: FMAO) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $37.11 (+1.48% 1D, market cap $510.7M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, FMAO ranks #256 in composite RQD confidence.

How does FMAO compare to NRIM and PDLB in the Financials sector?

Within the Financials sector (Savings Institutions), FMAO carries a Roarable C+ (67/100 RQD), trailing P/E of 15.3x, gross margin of —, and ROIC of 9.0%. By comparison, NRIM (Northrim BanCorp Inc) holds a B+ grade (77/100 RQD, P/E 8.3x, ROIC 19.8%, cap $537.9M) and PDLB (Ponce Financial Group Inc.) posts a C grade (65/100 RQD, P/E 19.9x, ROIC 5.1%, cap $548.6M). Among the 5-stock peer group, NRIM leads on earnings multiple (8.3x) while NRIM leads on capital efficiency (19.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FMAO?

Per FMAO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000792966), Farmers & Merchants Bancorp Inc. generated $0 in revenue, $33.3M in net income, and $35.0M in free cash flow against $3.43B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FMAO trading relative to its 50-day, 200-day, and 52-week technical levels?

FMAO last traded at $37.11 (+1.48% on volume of 62,241 shares), positioning the stock +5.55% above its 50-day simple moving average ($35.16) and +23.54% above its 200-day simple moving average ($30.04). Across its 52-week range of $22.91 to $37.60, FMAO sits at the 96.7% percentile with a 14-day RSI of 57.7 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.9% ($34.92 to $39.30).

FMAO Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Are FMAO insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies FMAO leadership and institutional positioning as: HEAVY INSIDER & 13F ACCUMULATION.

Direct Sub-Reports: FMAO RQD Cockpit FMAO 12M Forecast FMAO Earnings & Move FMAO Dividends & DRIP FMAO Insiders & 13F FMAO Whale Options FMAO Profit Sankey FMAO News & Why