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Farmers & Merchants Bancorp FMAO Q4 2025 Annual earnings

Reported February 12, 2026 · After market close

Revenue$32.5MBeat by $999.5K
EPS$0.71Beat by $0.05
Revenue estimate$31.5M
EPS estimate$0.66

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$32.5M+20.7%
Net income$9.8M+16.8%
EPS (diluted)$0.71+16.4%

Balance sheet

See full
Cash & equivalents$97.7M-44.6%
Total debt$5.7M-10.4%
Total equity$370.9M+10.6%
Total assets$3.4B+2.1%

Cash flow

See full
Operating cash flow$13.4M+414%
CapEx$187.0K-74.3%
Free cash flow$13.2M+604%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$339.9M-15.8%
Enterprise value$247.92M+6.2%
P/E10.2×-5.4×
P/S2.8×-1.2×

Profitability

See full
Net margin27.4%+1.9pp
FCF margin28.8%-1.3pp

Returns & leverage

See full
Return on equity9.4%+1.5pp
Debt / equity0×0.0×

Segments

By product

See full
Financial Service Other$1.3M+11.5%
Bank Servicing$337.0K+42.2%

Versus estimates

Revenue

Q2 2026$34.4MBeat by $1.3MQ1 2026$32.4MMiss by $156.0K
Q4 2025$32.5MBeat by $999.5K
Q3 2025$30.2MBeat by $2.9MQ2 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 $0.02
Q4 2025$0.71Beat by $0.05
Q3 2025$0.64Beat by $0.05Q2 2025$0.56Beat by $0.05Q1 2025$0.51Beat by $0.09

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Questions, answered.

When did Farmers & Merchants Bancorp report Q4 2025 earnings?
Farmers & Merchants Bancorp (FMAO) reported Q4 2025 earnings on February 12, 2026 after market close.
What were Farmers & Merchants Bancorp's Q4 2025 revenue and EPS?
Farmers & Merchants Bancorp reported revenue of $32.5M and eps of $0.71 for Q4 2025.
Did Farmers & Merchants Bancorp beat estimates in Q4 2025?
Revenue beat the consensus estimate of $31.5M by $999.5K. EPS beat the consensus estimate of $0.66 by $0.05.
How did Farmers & Merchants Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 23.6% from $26.3M a year earlier and eps grew 16.4% from $0.61.
Where can I find Farmers & Merchants Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-048918) and the 10-K periodic report (0001193125-26-081475) directly on SEC EDGAR. The filing index links above go to sec.gov.