FMAO – Dividend Returns, History & Calculator

Dividend Contender 16 Years

Farmers & Merchants Bancorp, Inc. operates as the bank holding company for The Farmers & Merchants State Bank that provides commercial banking services to individuals and small businesses in Northwest Ohio, Northeast Indiana, and Southeast Michigan. The compan

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Company Info

Symbol FMAO
Company Farmers & Merchants Bancorp, In
Sector Financial Services
Industry Banks - Regional
Website Visit
Market Cap $358.7M

Price Data

Price $26.09
Price Change +0.19
Price Change % +0.73%
Next Earnings Report Oct 27, 2025
Low (52W) $20.88
High (52W) $29.86

Dividend Data

Div Yield 3.50%
5Y Avg Yield 3.35%
Current Div $0.228
Payouts/Year 4
Annualized $0.912
Previous Div $0.221
Ex-date Dec 29, 2025
Dividend Pay Date Jan 20, 2026

Growth Rates

Chowder Number -0.5
DGR 1Y -24.0%
DGR 3Y 3.6%
DGR 5Y -4.0%
DGR 10Y 4.5%

Total Returns

TTR 1Y - With Specials -3.7%
TTR 3Y - With Specials 2.3%
TTR 1Y - No Specials -3.7%
TTR 3Y - No Specials 2.3%

Fair Value

Fair Value (P/E 10) $26.70
FV (P/E 10) % -2.0%
Fair Value (Peter Lynch) $58.25
FV (Peter Lynch) % -55.0%
Fair Value (Blended) $28.27
FV (Blended) % -8.0%

Financial Metrics

Revenue 1Y 5.6%
NPM 32.1%
CF/Share $1.89
ROE 9.2%
Debt/Capital 38.0%
ROTC 5.3%
P/E 11.2x
P/BV 1.0x
PEG 1.19
📊 Financial data last updated: December 29, 2025 1:03 pm (Data may be stale)

Calculate your FMAO Dividend Returns

Quickly and easily calculate FMAO dividend yield using our FMAO calculator. Adjust the fields below to see how your FMAO investments snowball over time.

Show Idealized Scenario (Assumes all future extra investments and dividends are made on Day 1 and reinvested instantly — this creates a best-case scenario for compounding growth.)

Portfolio Growth Over Time

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

YearStart BalanceStart SharesShare PriceDividend / ShareDividend YieldYield on CostAnnual DividendTotal DividendsEnd SharesEnd Balance
1$10,000200$50.00$1.028.16%8.16%$904$904242$12,104
2$12,709242$52.50$1.078.16%8.57%$1,132$2,035286$15,041
3$15,793286$55.13$1.128.16%9.00%$1,391$3,427333$18,384
4$19,303333$57.88$1.188.16%9.45%$1,686$5,113383$22,189
5$23,299383$60.78$1.248.16%9.92%$2,023$7,136436$26,522
6$27,848436$63.81$1.308.16%10.41%$2,405$9,541493$31,453
7$33,026493$67.00$1.378.16%10.94%$2,841$12,382553$37,066
8$38,920553$70.36$1.448.16%11.48%$3,337$15,719618$43,457
9$45,629618$73.87$1.518.16%12.06%$3,901$19,620687$50,731
10$53,267687$77.57$1.588.16%12.66%$4,544$24,164761$59,011

FMAO Dividend History

Invest in FMAO with Interactive Brokers

FMAO 10-yr Total Return ($10,000 invested)

This chart compares the 10-year total return performance of FMAO with and without dividend reinvestment (DRIP). The analysis demonstrates how reinvesting dividends can significantly enhance long-term investment returns through the power of compounding, showing the difference between collecting dividends as cash versus automatically purchasing additional shares.

With DRIP No DRIP

Projected Future Returns & Dividends for FMAO

Based on past 10-year performance, here are FMAO growth metrics:

Share price CAGR of +5.92%
Dividend CAGR of +7.56%

Using FMAO CAGR metrics, we can estimate that your initial $10,000 investment, over the next 10 years, should grow as follows:

FMAO (DRIP)FMAO (No DRIP)
Current Price$27.50$27.50
Start Shares363.64363.64
Start Value$10,000$10,000
After 10 years:
Final Share Count518.48363.64
Dividends Payment$1.89$1.89
Annual Dividends$943$687
Yield on cost9.43%6.87%
Share Price$48.89$48.89
Total Dividends$6,065$5,060
Final Value$25,351$22,840

Estimated Future Value + Dividends – FMAO

Dividend History: Payments & Yield

Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.

Yield Dividend

Dividend Growth

Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.

Dividend

Dividend Payments & Yield

Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.

Dividend 5-yr Rolling AVG Yield

FMAO Dividend History

Dividend Payout Ratio

Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.

Payout Ratio

Dividend to Free Cash Flow Ratio

Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.

Dividend/FCF Ratio

Share Price

Historical closing price with range controls. Table view includes quarter‑over‑quarter and year‑over‑year changes for additional context.

FMAO Price

Price to Earnings

This chart displays FMAO price to earnings data over time, helping analyze the company’s financial performance and operational trends.

Price to Sales

This chart displays FMAO price to sales data over time, helping analyze the company’s financial performance and operational trends.

Revenue

This chart displays FMAO revenue data over time, helping analyze the company’s financial performance and operational trends.

Net Income

This chart displays FMAO net income data over time, helping analyze the company’s financial performance and operational trends.

Revenue vs Net Income

This chart displays FMAO revenue vs net income data over time, helping analyze the company’s financial performance and operational trends.

Gross Profit

This chart displays FMAO gross profit data over time, helping analyze the company’s financial performance and operational trends.

Operating Income

This chart displays FMAO operating income data over time, helping analyze the company’s financial performance and operational trends.

EBITDA

This chart displays FMAO ebitda data over time, helping analyze the company’s financial performance and operational trends.

Operating Cash Flow

This chart displays FMAO operating cash flow data over time, helping analyze the company’s financial performance and operational trends.

Free Cash Flow

This chart displays FMAO free cash flow data over time, helping analyze the company’s financial performance and operational trends.

Free Cash Flow / Share

This chart displays FMAO free cash flow / share data over time, helping analyze the company’s financial performance and operational trends.

Earnings Per Share (EPS)

This chart displays FMAO earnings per share (eps) data over time, helping analyze the company’s financial performance and operational trends.

Return on Equity (ROE)

This chart displays FMAO return on equity (roe) data over time, helping analyze the company’s financial performance and operational trends.

Return on Assets (ROA)

This chart displays FMAO return on assets (roa) data over time, helping analyze the company’s financial performance and operational trends.

Net Profit Margin

This chart displays FMAO net profit margin data over time, helping analyze the company’s financial performance and operational trends.

Gross Profit Margin

This chart displays FMAO gross profit margin data over time, helping analyze the company’s financial performance and operational trends.

Cash & Debt

This chart displays FMAO cash & debt data over time, helping analyze the company’s financial performance and operational trends.

Shares Outstanding

This chart displays FMAO shares outstanding data over time, helping analyze the company’s financial performance and operational trends.

Stock-Based Comp

This chart displays FMAO stock-based comp data over time, helping analyze the company’s financial performance and operational trends.

FCF vs Stock Based Comp

This chart displays FMAO fcf vs stock based comp data over time, helping analyze the company’s financial performance and operational trends.

FCF vs FCF / Share

This chart displays FMAO fcf vs fcf / share data over time, helping analyze the company’s financial performance and operational trends.

Revenue: Actual + Estimates

This chart displays FMAO revenue: actual + estimates data over time, helping analyze the company’s financial performance and operational trends.

EPS: Actual + Estimates

This chart displays FMAO eps: actual + estimates data over time, helping analyze the company’s financial performance and operational trends.

Net Income: Actual + Estimates

This chart displays FMAO net income: actual + estimates data over time, helping analyze the company’s financial performance and operational trends.

EBITDA: Actual + Estimates

This chart displays FMAO ebitda: actual + estimates data over time, helping analyze the company’s financial performance and operational trends.

Disclaimer: The information on this page is for educational and entertainment purposes only and does not constitute financial advice. Do your own research and consult a qualified financial advisor before making investment decisions. Data sources include Yahoo Finance and other third-party providers and may contain errors or delays.

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