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Farmers & Merchants Bancorp FMAO Q2 2025 earnings

Reported July 28, 2025 · Before market open

Revenue$29.3MBeat by $3.0M
EPS$0.56Beat by $0.05
Revenue estimate$26.4M
EPS estimate$0.51

Next report

Oct 26, 2026 (in 3 months)
Revenue estimate$34.7M
EPS estimate$0.72

Financials

Q2 2025

Income statement

See full
Revenue$29.6M+18.4%
Net income$7.7M+35.7%
EPS (diluted)$0.56+33.3%

Balance sheet

See full
Cash & equivalents$88.2M-54.3%
Total equity$350.8M+8.7%
Total assets$3.3B+0.7%

Cash flow

See full
Operating cash flow$1.1M-88.6%
CapEx$719.0K+27.0%
Free cash flow$385.0K-95.8%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$342.81M+7.9%
P/E11.6×-3.3×
P/S3.1×-0.2×

Profitability

See full
Net margin26.8%+4.7pp
FCF margin28.3%+6.9pp

Returns & leverage

See full
Return on equity8.8%+2.0pp

Segments

By product

See full
Financial Service Other$1.2M+11.2%
Bank Servicing$330.0K+74.6%

Versus estimates

Revenue

Q2 2026$34.4MBeat by $1.3MQ1 2026$32.4MMiss by $156.0KQ4 2025$32.5MBeat by $999.5KQ3 2025$30.2MBeat by $2.9M
Q2 2025$29.3MBeat by $3.0M
Q1 2025$27.4MBeat by $4.1M

Diluted EPS

Q2 2026$0.86Beat by $0.19Q1 2026$0.70Beat by $0.02Q4 2025$0.71Beat by $0.05Q3 2025$0.64Beat by $0.05
Q2 2025$0.56Beat by $0.05
Q1 2025$0.51Beat by $0.09

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Questions, answered.

When did Farmers & Merchants Bancorp report Q2 2025 earnings?
Farmers & Merchants Bancorp (FMAO) reported Q2 2025 earnings on July 28, 2025 before market open.
What were Farmers & Merchants Bancorp's Q2 2025 revenue and EPS?
Farmers & Merchants Bancorp reported revenue of $29.3M and eps of $0.56 for Q2 2025.
Did Farmers & Merchants Bancorp beat estimates in Q2 2025?
Revenue beat the consensus estimate of $26.4M by $3.0M. EPS beat the consensus estimate of $0.51 by $0.05.
How did Farmers & Merchants Bancorp's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 18.0% from $24.8M a year earlier and eps grew 33.3% from $0.42.
Where can I find Farmers & Merchants Bancorp's Q2 2025 SEC filings?
You can read the 10-Q periodic report (0000950170-25-101771) directly on SEC EDGAR. The filing index links above go to sec.gov.