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Farmers & Merchants Bancorp FMAO Q2 2026 earnings

Reported July 27, 2026 · After market close

Revenue$34.4MBeat by $1.3M
EPS$0.86Beat by $0.19
Revenue estimate$33.1M
EPS estimate$0.67
“I am proud to report the second quarter of 2026 was the most profitable quarter in our 129-year history. Our record performance builds upon the strong start we established in the first quarter and demonstrates the meaningful operating leverage across our business. With growing earnings momentum, a solid balance sheet and continued investments in our people, technology, and markets, we believe F&M is well positioned to deliver sustained profitable growth and long-term value for our shareholders.”
Lars B. Eller

Next report

Oct 26, 2026 (In 3 weeks)
Revenue estimate$34.7M
EPS estimate$0.80

Financials

Q2 2026

Income statement

See full
Revenue$34.4M+15.9%
Net income$11.8M+53.0%
EPS (diluted)$0.86+53.6%

Balance sheet

See full
Cash & equivalents$156.4M+77.3%
Total equity$384.7M+9.7%
Total assets$3.5B+4.7%

Cash flow

See full
Operating cash flow$10.8M+878%
CapEx$209.0K-70.9%
Free cash flow$10.6M+2,651%

Valuation & ratios

Valuation

as of 10/02/26
See full
Market cap$480.82M+42.7%
P/E12×+1.4×
P/S3.7×+0.8×

Profitability

See full
Net margin30.7%+3.8pp
FCF margin31.8%+3.5pp

Returns & leverage

See full
Return on equity10.9%+2.1pp

Segments

By product

See full
Financial Service Other$1.3M+7.9%
Bank Servicing$544.0K+64.8%

FAQ

When did Farmers & Merchants Bancorp report Q2 2026 earnings?
Farmers & Merchants Bancorp (FMAO) reported Q2 2026 earnings on July 27, 2026 after market close.
What were Farmers & Merchants Bancorp's Q2 2026 revenue and EPS?
Farmers & Merchants Bancorp reported revenue of $34.4M and eps of $0.86 for Q2 2026.
Did Farmers & Merchants Bancorp beat estimates in Q2 2026?
Revenue beat the consensus estimate of $33.1M by $1.3M. EPS beat the consensus estimate of $0.67 by $0.19.
How did Farmers & Merchants Bancorp's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 17.2% from $29.3M a year earlier and eps grew 53.6% from $0.56.
Where can I find Farmers & Merchants Bancorp's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001193125-26-318198) and the 10-Q periodic report (0001193125-26-323955) directly on SEC EDGAR. The filing index links above go to sec.gov.