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Farmers & Merchants Bancorp FMAO Q3 2025 earnings

Reported October 27, 2025 · Before market open

Revenue$30.2MBeat by $2.9M
EPS$0.64Beat by $0.05
Revenue estimate$27.3M
EPS estimate$0.59

Next report

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

Financials

Q3 2025

Income statement

See full
Revenue$31.3M+22.3%
Net income$8.9M+35.9%
EPS (diluted)$0.64+33.3%

Balance sheet

See full
Cash & equivalents$117.0M-52.3%
Total equity$361.8M+7.9%
Total assets$3.4B0.0%

Cash flow

See full
Operating cash flow$11.2M-40.0%
CapEx$475.0K+33.1%
Free cash flow$10.7M-41.4%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$343.24M-9.3%
P/E10.8×-5.6×
P/S3×-0.9×

Profitability

See full
Net margin27.5%+4.1pp
FCF margin20.4%-17.5pp

Returns & leverage

See full
Return on equity9.2%+1.9pp

Segments

By product

See full
Financial Service Other$1.3M+16.8%
Bank Servicing$370.0K+23.3%

Versus estimates

Revenue

Q2 2026$34.4MBeat by $1.3MQ1 2026$32.4MMiss by $156.0KQ4 2025$32.5MBeat by $999.5K
Q3 2025$30.2MBeat by $2.9M
Q2 2025$29.3MBeat by $3.0MQ1 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 $0.05
Q3 2025$0.64Beat by $0.05
Q2 2025$0.56Beat by $0.05Q1 2025$0.51Beat by $0.09

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Questions, answered.

When did Farmers & Merchants Bancorp report Q3 2025 earnings?
Farmers & Merchants Bancorp (FMAO) reported Q3 2025 earnings on October 27, 2025 before market open.
What were Farmers & Merchants Bancorp's Q3 2025 revenue and EPS?
Farmers & Merchants Bancorp reported revenue of $30.2M and eps of $0.64 for Q3 2025.
Did Farmers & Merchants Bancorp beat estimates in Q3 2025?
Revenue beat the consensus estimate of $27.3M by $2.9M. EPS beat the consensus estimate of $0.59 by $0.05.
How did Farmers & Merchants Bancorp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 21.7% from $24.8M a year earlier and eps grew 33.3% from $0.48.
Where can I find Farmers & Merchants Bancorp's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001193125-25-260124) directly on SEC EDGAR. The filing index links above go to sec.gov.