OakChart

Farmers & Merchants Bancorp Inc

FMAOFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 3:59 PM ET

36.70-0.39 (-1.05%)
2026-11-12 02:47 CET
Market cap
510.39 USD m
Revenue, TTM
- USD m
Net income, TTM
42.18 USD m
Free cash flow, TTM
42.96 USD m
EPS diluted, TTM
3.09
P/E
11.86
Compare

Price

FMAO against its 20, 50 and 200-day averages
2050200beat
25.0030.0035.00237K474KVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26FMAOclose 36.7020-day 36.3150-day 35.61200-day 30.4636.7052w high

4.3% under the 52-week high of 38.33 on 5 Nov 2026. 52-week low 22.90 on 20 Nov 2025. Last 15 sessions, 11.7% high to low

Volume 0.78× normal · the line is the 50-bar volume average

Profile

FMAO
52-week range, 89% of the way up
22.9038.33

Farmers & Merchants Bancorp, Inc. is a bank holding company, which engages in the provision of commercial banking, retail banking, and financial services. It includes commercial, agricultural, and residential mortgages as well as consumer and credit card lending activities. The firm also offers checking account services, and savings and time deposit services. The company was founded in 1985 and is headquartered in Archbold, OH.

IndexRUT
Employees474
IPONov 23, 2004
Beta0.78
ATR, 14d1.10
Rel volume0.78
Short float1.50%
Insider own7.30%
Inst own36.87%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap505.02M
Enterprise Value-
Income42.18M
Sales198.65M
Book/sh28.12
Cash/sh-
Dividend Est.0.95 (2.59%)
Dividend TTM0.93 (2.53%)
Dividend Ex-DateOct 09, 2026
Dividend Gr. 3/5Y4.00% 6.40%
Payout37.09%
Employees474
IPONov 23, 2004

Ratios

P/E11.86
Forward P/E10.79
PEG0.79
P/S2.54
P/B1.31
P/C-
P/FCF11.76
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.15
Debt/Eq0.56
LT Debt/Eq0.52
Option/ShortYes / Yes

Earnings

EPS (ttm)3.09
EPS next Y3.40
EPS next Q0.81
EPS this Y32.65%
EPS next Y5.48%
EPS next 5Y13.68%
EPS past 3/5Y-0.48% 6.12%
Sales past 3/5Y17.42% 17.09%
EPS Y/Y TTM34.29%
Sales Y/Y TTM6.75%
EPS Q/Q29.87%
Sales Q/Q6.75%
EarningsOct 22 AMC
EPS/Sales Surpr.4.57% 0.45%

Ownership

Insider Own7.30%
Insider Trans-17.15%
Inst Own36.87%
Inst Trans5.32%
ROA1.21%
ROE11.27%
ROIC7.15%
Gross Margin-
Oper. Margin27.26%
Profit Margin21.23%
SMA201.08%
SMA503.06%
SMA20020.47%
Trades-

Technical

Shs Outstand13.76M
Shs Float12.76M
Short Float1.50%
Short Ratio3.59
Short Interest0.19M
52W High38.33 -4.25%
52W Low22.90 60.24%
Volatility3.45% 3.08%
ATR (14)1.10
RSI (14)54.77
Beta0.78
Rel Volume0.78
Avg Volume53.16K
Volume41,681

Performance

Perf Week-2.08%
Perf Month4.92%
Perf Quarter3.91%
Perf Half Y37.49%
Perf YTD48.50%
Perf Year50.21%
Perf 3Y102.93%
Perf 5Y38.58%
Perf 10Y123.93%
Recom3.00
Target Price38.33
Prev Close37.09
Price36.70
Change %-1.05%

Analyst ratings

latest 10 of 11
DateActionAnalystRating changeTargetImplied
Apr 24, 2026ReiteratedHHovde GroupMarket Perform$30 → $28.50-22.3%
Apr 02, 2026ResumedPPiper SandlerNeutral
Jun 12, 2024ResumedPPiper SandlerNeutral$24-34.6%
Apr 05, 2024InitiatedHHovde GroupMarket Perform$22-40.1%
Jul 28, 2023DowngradePPiper SandlerNeutral → Underweight$24 → $23.50-36.0%
Dec 21, 2022InitiatedJJanneyNeutral$30-18.3%
Oct 21, 2022UpgradePPiper SandlerUnderweight → Neutral$27-26.4%
Apr 22, 2022DowngradePPiper SandlerNeutral → Underweight$36.50 → $41+11.7%
Oct 09, 2020InitiatedSStephensEqual-Weight$22.50-38.7%
Sep 24, 2020InitiatedBBoenning & ScattergoodNeutral

Peers

Mkt cap
TickerCompanyMkt cap
CIVBCivista Bancshares Inc598.58M
FMNBFarmers National Banc Corp917.30M
LCNBLCNB Corp280.25M
COFSChoiceone Financial Services Inc547.27M
IBCPIndependent Bank Corp (Ionia, MI)811.17M
HBNCHorizon Bancorp Inc (IN)1.09B
PEBOPeoples Bancorp Inc (Marietta, OH)1.38B
MBWMMercantile Bank Corp1.06B
THFFFirst Financial Corp916.98M
OVBCOhio Valley Banc Corp232.63M

Insider trading

latest 14 of 89
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Briggs Andrew JDirectorAug 17 '26Sale35.113,000105,33051,550Aug 18 06:19 PM
Briggs Andrew JDirectorAug 18 '26Sale35.052,40284,19049,148Aug 18 06:19 PM
Briggs Andrew JDirectorAug 17 '26Proposed Sale35.115,402189,664Aug 17 09:38 AM
Briggs Andrew JDirectorAug 14 '26Sale35.383,000106,14054,550Aug 14 01:02 PM
Briggs Andrew JDirectorAug 13 '26Sale35.193,000105,57057,550Aug 14 01:02 PM
Briggs Andrew JDirectorAug 12 '26Sale34.943,000104,82060,550Aug 12 05:35 PM
Briggs Andrew JDirectorAug 10 '26Sale34.543,000103,62066,550Aug 12 05:35 PM
Briggs Andrew JDirectorAug 11 '26Sale34.463,000103,38063,550Aug 12 05:35 PM
Briggs Andrew JDirectorAug 10 '26Proposed Sale34.5415,000518,100Aug 10 10:55 AM
Briggs Andrew JDirectorAug 06 '26Sale34.243,000102,72072,550Aug 07 05:51 PM
Briggs Andrew JDirectorAug 07 '26Sale34.083,000102,24069,550Aug 07 05:51 PM
Gerken David REVP/CLOAug 06 '26Sale33.721,00033,7206,509Aug 06 04:41 PM
Briggs Andrew JDirectorAug 05 '26Sale34.763,000104,28075,550Aug 05 05:06 PM
Briggs Andrew JDirectorAug 03 '26Sale33.693,000101,07081,550Aug 05 05:06 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWNiShares Russell 2000 Value ETFAUM: 14.10B
VTWOVanguard Russell 2000 Index ETFAUM: 16.75B
DFSVUS Small Cap Value Portfolio ETF Class SharesAUM: 8.52B
DFASU.S. Small Cap Portfolio-ETF Class SharesAUM: 15.51B
FDMFirst Trust Dow Jones Select Microcap Index FundAUM: 267.52M
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.47B

News

latest 14 of 200
  • F&M Bank Welcomes Paul Elkins as Chief Information & Technology Officer (GlobeNewswire)
  • Farmers & Merchants Bancorp, Inc. Reports 2026 Third-Quarter and Year-to-Date Financial Results (GlobeNewswire)
  • Farmers & Merchants Bancorp, Inc. Announces 32nd Consecutive Annual Increase in Dividend and a Special Dividend Commemorating America's 250th Anniversary (GlobeNewswire)
  • F&M Bank Welcomes Gregory R. Allen to Board of Directors (GlobeNewswire)
  • F&M Bank's 9th Annual Charity Golf Classic Raises $47,000 for Local Charities (GlobeNewswire)
  • Farmers & Merchants Bancorp, Inc. Reports 2026 Second-Quarter and Year-to-Date Financial Results (GlobeNewswire) +10.38%
  • Farmers & Merchants Bancorp, Inc. Declares 2026 Second-Quarter Cash Dividend (GlobeNewswire)
  • F&M Bank Announces Executive Leadership Appointments to Support Continued Growth and Strategic Execution (GlobeNewswire)
  • F&M Bank Launches 2nd Annual "Great Briefcase Hunt" with $10,000 Prize (GlobeNewswire)
  • Farmers & Merchants Bancorp, Inc. Reports 2026 First-Quarter Financial Results (GlobeNewswire)
  • F&M Bank Announces Appointment of Shalini Singhal to Chief Information and Technology Officer (GlobeNewswire)
  • Farmers & Merchants Bancorp, Inc. Declares 2026 First-Quarter Cash Dividend (GlobeNewswire)
  • Farmers & Merchants Bancorp, Inc. Reports 2025 Fourth-Quarter and Full-Year Financial Results (GlobeNewswire) +7.64%
  • Mike Schnitkey Promoted to Market President for Northwest Ohio at F&M Bank (GlobeNewswire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-220.8400.8030.84034.8134.653
2026Q22026-07-270.8600.6730.85734.3533.053
2026Q12026-04-220.7000.6800.69632.4432.603
2025Q42026-02-120.7100.6550.70432.4531.452
2025Q32025-10-270.6400.5930.64531.2630.543
2025Q22025-07-280.5600.5030.56229.6528.433
2025Q12025-04-280.5100.4230.50728.0726.923
2024Q42025-02-120.6100.4830.59026.8326.094
2024Q32024-10-300.4800.4080.47625.5525.024
2024Q22024-08-010.4200.3580.41525.0424.194
2024Q12024-05-010.3900.3470.39224.0623.903
2023Q42024-02-130.4100.3150.40123.8623.302
2023Q32023-10-260.3500.3700.35023.3324.002
2023Q22023-07-260.4550.4470.44024.3925.253
2023Q12023-04-190.4800.5400.47525.8625.703
2022Q42023-02-080.6500.6730.52326.7028.103

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY1.3801.3501.37546.86-
2018FY1.6101.6901.61250.72-
2019FY1.6601.7251.65665.37-
2020FY1.6801.5731.80376.5674.60
2021FY2.2802.1372.01487.1185.17
2022FY2.6202.6302.462102.32103.7
2023FY1.6801.6801.67097.4496.90
2024FY1.9001.7351.895101.53100.41
2025FY2.4302.3752.430121.43120.49
2026FY-3.223--137.35
2027FY-3.400--147.75
2028FY-3.570--155.7

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-2322035.3535.3035.40
2026Q4S2026-10-2220034.8534.8034.90
2026Q4S2026-10-1120034.8534.8034.90
2026Q4S2026-07-2822034.8534.8034.90
2026Q4S2026-04-2920034.3034.2034.40
2026Q4S2026-04-2322034.3034.2034.40
2026Q4S2026-04-0122034.2534.1034.40
2026Q4S2026-02-1322034.2634.1034.42
2026Q4S2026-01-1020033.3433.1033.58
2026Q4S2025-11-1122033.3433.1033.58
2026Q4S2025-11-1022033.3433.1033.58
2026Q4S2025-11-0922033.3433.1033.58
2026Q4S2025-11-0822033.3433.1033.58
2026Q4S2025-11-0722033.3433.1033.58

Estimate history

EPS, annual1.3751.6121.6561.8032.0142.4621.671.8952.4263.0937
Period201720182019202020212022202320242025TTM
EPS, quarterly0.4760.590.5070.5620.6450.7040.6960.8570.837
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual51.60356.88579.55885.91892.435116.8155.102178.375189.095198.65
Period201720182019202020212022202320242025TTM
Sales, quarterly45.64245.60645.03747.19348.25548.6147.77550.75151.51
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual9.2669.28511.13711.19813.06613.60813.66513.713.74813.762
Period201720182019202020212022202320242025MRQ
Shares, quarterly13.70313.713.71813.72613.7513.74813.76912.99413.762
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income180.50173.54163.57139.81101.1576.8470.1768.3146.43
Total Interest Expense66.4369.2577.6658.4114.367.3410.3914.766.57
Net Interest Income114.07104.2985.9181.4086.7969.5059.7853.5539.86
Loan Loss Provision1.572.090.271.744.603.446.981.140.32
Net Interest Income After Loan Loss Provision112.50102.2085.6479.6582.1966.0552.8052.4139.53
Non-Interest Income18.1415.5514.8015.2915.6515.6015.7511.2510.46
Non-Interest Expense76.5075.2367.8766.5957.3651.4143.3440.9031.81
Operating Income54.1542.5232.5728.3540.4830.2425.2122.7618.18
Unusual Expense0.000.000.000.000.000.740.000.000.00
Net Income Before Taxes54.1542.5232.5728.3540.4829.5025.2122.7618.18
Income Taxes11.449.226.635.577.966.005.114.363.23
Consolidated Net Income42.1832.9025.4322.5432.2323.3019.9418.2614.80
Net Income From Continuing Operations42.1832.9025.4322.5432.2323.3019.9418.2614.80
Net Income42.1832.9025.4322.5432.2323.3019.9418.2614.80
EPS (Recurring)3.102.431.901.672.462.061.801.661.61
EPS (Basic, Before Extraordinaries)3.092.431.901.672.462.011.801.661.61
EPS (Diluted)3.092.431.901.672.462.011.801.661.61
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments-0.53-0.41-0.51-0.25-0.28-0.19-0.15-0.14-0.15
Stock Option Compensation Expense0.961.011.081.010.710.600.790.790.53
Price To Earnings Ratio11.9911.9917.4813.8610.7616.4012.7918.2423.91
Price To Sales Ratio2.371.772.222.163.054.112.964.186.21
Operating Margin27.2622.4918.2618.2834.6532.7229.3428.6131.95
Net Margin21.2317.4014.2614.5327.6025.2123.2122.9626.02
Shares Outstanding13.7613.7513.7013.6613.6113.0711.2011.149.29
Market Capitalization510.39510.39403.34338.83369.73428.68256.48335.56357.14

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income46.9945.6543.3044.5744.4843.4941.0041.85
Total Interest Expense17.0516.7315.8516.8017.5817.7817.0919.02
Net Interest Income29.9428.9227.4427.7726.9025.7123.9122.83
Loan Loss Provision0.380.320.310.570.280.690.550.23
Net Interest Income After Loan Loss Provision29.5728.6027.1427.2026.6225.0223.3622.60
Non-Interest Income4.525.104.484.043.773.704.043.75
Non-Interest Expense19.8718.9419.2818.4219.1519.0318.6315.83
Operating Income14.2114.7712.3412.8311.239.708.7610.53
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes14.2114.7712.3412.8311.239.708.7610.53
Income Taxes2.682.972.763.042.381.991.812.15
Consolidated Net Income11.3911.659.469.678.757.616.878.08
Net Income From Continuing Operations11.3911.659.469.678.757.616.878.08
Net Income11.3911.659.469.678.757.616.878.08
EPS (Recurring)0.840.860.700.700.640.560.510.59
EPS (Basic, Before Extraordinaries)0.840.860.700.700.640.560.510.59
EPS (Diluted)0.840.860.700.700.640.560.510.59
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments-0.14-0.15-0.12-0.12-0.11-0.10-0.08-0.30
Stock Option Compensation Expense0.240.300.260.160.260.310.280.23
Price To Earnings Ratio11.9911.7310.6210.7311.7112.7112.7617.48
Price To Sales Ratio2.372.131.821.801.821.871.792.26
Operating Margin27.5929.0925.8226.4023.2820.5519.4523.08
Net Margin22.1222.9519.8119.9018.1216.1315.2517.72
Shares Outstanding13.7612.9913.7713.7513.7513.7313.7213.70
Market Capitalization510.39420.91352.81339.80343.14346.70327.48403.34

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks97.25174.85140.9283.08135.4998.2850.1437.4933.48
Investments444.11451.53381.22407.18502.06403.57237.82177.51206.34
Net Loans2,685.992,536.042,556.172,336.071,841.181,289.321,211.77839.60816.16
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets---0.000.160.070.210.600.67
Net Property, Plant & Equipment37.4640.2341.7228.6626.9127.0626.3522.6121.73
Interest Receivables11.7010.7010.200.000.000.000.000.000.00
Other Intangible Assets157.88151.36141.46160.35132.5191.2481.0438.3428.63
Total Assets3,434.383,364.723,283.233,015.352,638.301,909.541,607.331,116.161,107.01
Total Deposits2,730.742,686.762,607.462,468.862,193.461,596.161,288.35928.79919.34
Total Debt305.77314.50334.59226.28127.8048.1072.8832.1844.49
Long Term Debt267.09286.29305.50100.5697.1517.8617.470.005.00
Provision for Risks Charges2.520.180.821.261.040.640.480.270.23
Other Liabilities24.5028.0723.8120.8118.8315.4815.3711.638.81
Total Liabilities3,063.523,029.512,966.692,717.212,341.131,660.381,377.07972.88972.87
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity370.86335.21316.54298.14297.17249.16230.26143.29134.14
Total Shareholders Equity370.86335.21316.54298.14297.17249.16230.26143.29134.14
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity370.86335.21316.54298.14297.17249.16230.26143.29134.14
Total Liabilities & Stockholders Equity3,434.383,364.723,283.233,015.352,638.301,909.541,607.331,116.161,107.01
Book Value Per Share26.9824.4723.1721.9122.7422.2520.6815.4314.48
Tangible Book Value Per Share19.8517.2616.7815.1016.1017.6816.4214.9914.04
Tier 1 Capital292.40268.31251.65-----131.49
Tier 2 Capital--------7.09
Full-Time Employees474473456431385367357288275
Price to Book Ratio1.321.201.121.271.441.031.462.492.84
Return on Assets0.970.770.721.141.021.131.341.331.16
Return on Equity9.327.807.3310.838.538.329.7810.679.70
Return on Invested Capital5.164.093.628.085.917.477.3710.339.05
Current Ratio0.060.100.110.060.170.190.070.080.07

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations45.2237.8430.1928.7837.6927.6527.4322.9618.99
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-0.92-1.453.78-6.59-5.263.17-0.575.95-6.42
Cash from Operating Activities44.3036.3933.9722.2032.4330.8226.8528.9112.57
Capital Expenditures-1.34-1.77-1.87-10.93-2.60-1.97-13.22-3.51-2.61
Net Assets From Acquisitions0.000.000.000.000.00-12.590.00-2.090.00
Sale of Fixed Assets and Businesses0.000.000.000.009.070.230.000.000.00
Purchase or Sale of Investments-38.0222.31-64.1143.51-0.40-84.35-80.96-31.5026.02
Purchase of Investments-129.55-49.75-99.13-4.39-38.38-170.63-184.04-110.48-13.87
Sale Or Maturity of Investments91.5372.0635.0247.9137.9886.28103.0778.9739.88
Other Uses--18.000.000.000.000.000.000.000.00
Other Sources11.207.000.090.000.000.000.820.000.00
Cash from Investing Activities-124.33-138.35-45.85-194.14-381.66-261.77-177.19-154.30-0.36
Cash Dividends Paid-12.47-12.09-11.92-11.34-10.28-7.67-7.19-6.34-4.96
Change in Capital Stock-1.72-0.36-0.66-0.22-0.31-0.34-0.38-0.38-0.49
Repurchase of Common Pref Stock-1.72-0.36-0.66-0.22-0.31-0.34-0.38-0.38-0.49
Sale of Common Pref Stock0.000.000.000.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-27.57-8.19-20.68102.3597.5473.29-25.33-8.05-12.31
Change in Long Term Debt-20.02-18.69-19.68128.3472.6174.26-7.49-23.94-5.00
Issuance of Long Term Debt72.1840.0015.00324.00140.0074.420.000.000.00
Reduction of Long Term Debt-92.20-58.69-34.68-195.66-67.39-0.16-7.49-23.94-5.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.000.00
Other Financing Activities Uses------0.000.000.00
Cash from Financing Activities168.8123.3346.04229.73252.82236.07274.75138.32-8.31
Net Change in Cash88.78-78.6334.1557.79-96.415.12124.4112.933.90
Free Cash Flow42.9634.6232.1011.2729.8328.8523.6325.409.96
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow15.4614.8819.59-18.2017.9315.4717.4570.67
Federal Home Loan Advances Increase (Decrease)-1.370.36-7.34-0.370.850.000.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks205.12155.88172.8597.25116.4587.60
Investments473.19458.86452.35444.11442.56457.48
Net Loans2,709.362,677.072,654.142,685.992,632.672,599.92
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment29.5930.3331.5337.4632.3232.88
Interest Receivables14.3012.6011.9011.7013.6011.90
Other Intangible Assets167.49167.38162.48157.88153.15155.98
Total Assets3,599.053,502.123,485.573,434.383,390.753,345.76
Total Deposits2,962.492,869.412,809.662,730.742,751.912,710.33
Total Debt218.07218.21268.71305.77245.53250.88
Long Term Debt202.90203.44253.95267.09222.82223.32
Provision for Risks Charges0.422.500.002.521.471.75
Other Liabilities31.1527.2931.2524.5030.0632.01
Total Liabilities3,212.133,117.403,109.623,063.523,028.972,994.97
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity386.93384.72375.95370.86361.78350.79
Total Shareholders Equity386.93384.72375.95370.86361.78350.79
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity386.93384.72375.95370.86361.78350.79
Total Liabilities & Stockholders Equity3,599.053,502.123,485.573,434.383,390.753,345.76
Book Value Per Share28.1229.6127.3026.9826.3125.56
Tangible Book Value Per Share21.2322.7721.0319.8519.1318.37
Full-Time Employees486477473474476488
Price to Book Ratio1.321.120.950.940.981.01
Return on Assets1.211.151.030.970.920.87
Return on Equity11.2710.759.859.328.988.64
Return on Invested Capital1.931.981.501.521.501.33
Current Ratio0.150.120.130.060.090.07

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations12.4011.9710.4210.449.889.33
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital1.59-4.43-1.703.61-2.48-4.46
Cash from Operating Activities13.997.538.7214.057.404.88
Capital Expenditures-0.28-0.21-0.66-0.19-0.47-0.72
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments-20.46-11.31-9.653.4115.468.60
Purchase of Investments-40.19-37.57-34.87-16.92-2.99-16.02
Sale Or Maturity of Investments19.7326.2625.2220.3318.4524.61
Other Uses0.00---18.000.000.00
Other Sources0.011.542.666.990.000.01
Cash from Investing Activities-52.76-30.6622.64-63.55-11.46-40.00
Cash Dividends Paid-3.13-3.13-3.12-3.09-3.00-3.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-1.62-0.04-0.06-0.00-0.340.00
Repurchase of Common Pref Stock-1.62-0.04-0.06-0.00-0.340.00
Sale of Common Pref Stock0.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-0.15-50.53-31.3554.46-5.38-56.73
Change in Long Term Debt-0.55-50.54-8.3939.46-0.54-57.03
Issuance of Long Term Debt0.000.0032.1840.000.000.00
Reduction of Long Term Debt-0.55-50.54-40.57-0.54-0.54-57.03
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Other Financing Activities Uses----0.000.00
Cash from Financing Activities88.186.0444.4030.1932.86-49.68
Net Change in Cash49.42-17.0875.75-19.3128.80-84.81
Free Cash Flow13.717.328.0613.866.924.16
Price to Free Cash Flow15.4617.4616.7815.0826.8314.32

Revenue breakdown

Savings Institution, Federally Chartered2024: 101.53M 2025: 121.43M
United States2024: 101.53M 2025: 121.43M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-301.50%0.2M12.8M58.65K
2026-10-151.68%0.2M12.8M61.35K
2026-09-301.82%0.2M12.8M68.05K
2026-09-152.20%0.3M12.8M83.60K
2026-08-312.26%0.3M12.8M89.75K
2026-08-142.05%0.3M12.8M94.13K
2026-07-311.75%0.2M12.8M98.54K
2026-07-151.61%0.2M12.7M95.29K
2026-06-301.62%0.2M12.7M88.46K
2026-06-151.09%0.1M12.7M71.32K
2026-05-291.11%0.1M12.7M64.81K
2026-05-151.18%0.2M12.7M58.64K
2026-04-301.07%0.1M13.2M43.39K
2026-04-150.90%0.1M13.2M37.97K
2026-03-311.08%0.1M12.7M35.68K
2026-03-130.90%0.1M12.7M30.68K
2026-02-270.63%0.1M12.7M27.89K
2026-02-130.64%0.1M12.7M25.85K
2026-01-300.64%0.1M12.7M22.53K
2026-01-150.71%0.1M12.7M21.65K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call20.0015.7019.500.005.2570.000.000.966-0.0560.004
call22.5013.1017.000.004.5180.000.000.960-0.0540.005
call25.0010.6014.500.003.8580.000.000.883-0.1550.011
call30.005.609.505.202.6930.000.000.826-0.1320.015
call35.000.204.902.851.7991.000.000.637-0.1450.021
call40.000.004.400.202.4960.000.000.486-0.3150.023
call45.000.000.950.001.4720.000.000.219-0.1410.017
call50.000.000.950.001.8930.000.000.184-0.1630.015
put20.000.000.950.002.3580.000.00-0.033-0.0560.004
put22.500.000.200.001.8930.000.00-0.039-0.0490.005
put25.000.000.950.002.4620.000.00-0.116-0.1550.011
put30.000.000.950.001.5870.000.00-0.173-0.1310.015
put35.000.001.400.500.9674.000.00-0.363-0.1430.021
put40.001.105.500.001.5280.000.00-0.514-0.3130.023
put45.006.0010.400.002.0910.000.00-0.780-0.1380.017
put50.0011.7014.500.002.0670.000.00-0.816-0.1600.015

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-10-2710-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-228-KCurrent report2026-10-22SEC
2026-09-254Statement of changes in beneficial ownership of securities2026-09-25SEC
2026-09-214Statement of changes in beneficial ownership of securities2026-09-18SEC
2026-09-214Statement of changes in beneficial ownership of securities2026-09-18SEC
2026-09-214Statement of changes in beneficial ownership of securities2026-09-18SEC
2026-09-214Statement of changes in beneficial ownership of securities2026-09-18SEC
2026-09-214Statement of changes in beneficial ownership of securities2026-09-18SEC
2026-09-214Statement of changes in beneficial ownership of securities2026-09-18SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-17144Filing for proposed sale of securities under Rule 144.SEC
2026-08-144Statement of changes in beneficial ownership of securities2026-08-13SEC
2026-08-124Statement of changes in beneficial ownership of securities2026-08-10SEC
2026-08-10144Filing for proposed sale of securities under Rule 144.SEC
2026-08-074Statement of changes in beneficial ownership of securities2026-08-06SEC
2026-08-064Statement of changes in beneficial ownership of securities2026-08-06SEC
2026-08-054Statement of changes in beneficial ownership of securities2026-08-03SEC
2026-08-03144Filing for proposed sale of securities under Rule 144.SEC
2026-08-034Statement of changes in beneficial ownership of securities2026-08-03SEC
2026-07-314Statement of changes in beneficial ownership of securities2026-07-29SEC
2026-07-2910-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-294Statement of changes in beneficial ownership of securities2026-07-27SEC
2026-07-27144Filing for proposed sale of securities under Rule 144.SEC
2026-07-278-KCurrent report2026-07-27SEC
2026-07-244Statement of changes in beneficial ownership of securities2026-07-23SEC
2026-07-224Statement of changes in beneficial ownership of securities2026-07-20SEC
2026-07-20144Filing for proposed sale of securities under Rule 144.SEC
2026-07-174Statement of changes in beneficial ownership of securities2026-07-16SEC
2026-07-154Statement of changes in beneficial ownership of securities2026-07-13SEC
2026-07-13144Filing for proposed sale of securities under Rule 144.SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-0810.34K11.26M13
2026-07002.04M22
2026-06001.91M22
2026-05001.06M13
2026-040000
2026-030036.01K2
2026-020000
2026-010000
2025-120000
2025-119.95K100

Institutional holders

Manager% owned
BlackRock, Inc.7.90%
VANGUARD CAPITAL MANAGEMENT LLC4.19%
GEODE CAPITAL MANAGEMENT, LLC2.44%
DIMENSIONAL FUND ADVISORS LP2.18%
MANUFACTURERS LIFE INSURANCE COMPANY, THE2.10%
STATE STREET CORP1.95%
AMERICAN CENTURY COMPANIES INC1.36%
Goelzer Investment Management, Inc.0.89%
ACADIAN ASSET MANAGEMENT LLC0.80%
Mendel Money Management0.78%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND3.03%
iShares Russell 2000 ETF2.87%
Avantis U.S. Small Cap Value ETF1.71%
Fidelity Small Cap Index Fund1.09%
VANGUARD EXTENDED MARKET INDEX FUND1.08%
iShares Russell 2000 Value ETF1.06%
VANGUARD RUSSELL 2000 INDEX FUND0.56%
Fidelity Extended Market Index Fund0.47%
iShares Micro-Cap ETF0.34%
U.S. SMALL CAP VALUE PORTFOLIO0.25%

OakChart. FMAO. Cached 15 minutes.