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Farmers & Merchants Bancorp FMAO Mortgage servicing rights

Mortgage servicing rights at other companies

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Other financials

Income statement

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

Balance sheet

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Cash & equivalents$156.4M+77.3%
Total debt$5.7M-10.4%
Total equity$384.7M+9.7%
Total assets$3.5B+4.7%

Cash flow

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

Valuation

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Market cap$473.35M+40.3%
P/E11.8×+0.4×
P/S3.6×+0.6×

Profitability

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

Returns & leverage

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Return on equity10.9%+2.1pp
Debt / equity0.0×

Where this comes from

Reported directly by Farmers & Merchants Bancorp in its filing.

Tagged under the XBRL concept us-gaap:ServicingAssetAtAmortizedValue.

The source filing: Farmers & Merchants Bancorp’s 10-Q, filed July 29, 2026.

Filed
Jul 29, 2026, 4:39 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001193125-26-323955
Line itemJune 30, 2026December 31, 2025
Loans, net of allowance for credit losses of $27,941 and $27,6882,677,0722,685,990
Premises and equipment30,33431,864
Goodwill86,35886,358
Loan servicing rights5,0855,175
Bank owned life insurance48,02147,410
Other assets43,41139,331
Total Assets$3,502,118$3,434,382
Liabilities and Stockholders' Equity

ITEM 1 FINANCIAL STATEMENTS

FAQ

What is Farmers & Merchants Bancorp's mortgage servicing rights?
Farmers & Merchants Bancorp (FMAO) reported mortgage servicing rights of $5.09M in Q2 2026.
How has Farmers & Merchants Bancorp's mortgage servicing rights changed year-over-year?
Farmers & Merchants Bancorp's mortgage servicing rights decreased by 12.5% year-over-year, from $5.81M to $5.09M.
What is the long-term trend for Farmers & Merchants Bancorp's mortgage servicing rights?
Over 5 years (2020 to 2025), Farmers & Merchants Bancorp's mortgage servicing rights has grown at a 9.3% compound annual growth rate (CAGR), from $3.32M to $5.18M.
What does mortgage servicing rights mean?
This represents the capitalized value of the contractual right to service mortgage loans after they have been sold to third-party investors. The bank earns fee income for collecting payments, managing escrow accounts, and handling foreclosures. The valuation of these rights is sensitive to interest rate changes and prepayment speeds, which directly impact future fee income streams.

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