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Farmers & Merchants Bancorp Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest was filed 06 Nov 2025.
Farmers & Merchants Bancorp: what insiders have been doing
Farmers & Merchants Bancorp, classified in the Finance & Banking sector, is a listed company. Its insiders report their share dealings to SEC (Form 4). The last twelve months, up to 18 October 2026, brought 62 filings signed by 14 insiders.
Not one open-market sale was filed. On the buying side, 1 insider reported 1 purchase totalling €9,081. Unlike grants, an open-market purchase is paid for by the insider, at the market price. The largest single trade was a purchase of €9,081 by Sanguinetti Kevin, published on 6 November 2025. On the buying side, the filings list 1 senior executive among the declarants.
For context, the typical company on the same exchange (median of 5,808 companies) published 19 filings over the same period, against 62 filings here. Our records for Farmers & Merchants Bancorp go back to 2016, with 20 purchases and 1 sale on the open market in total. For the fiscal year to 31 December 2025, the annual 10-K puts net income at 93.6 m USD, and the dividend at 19.35 USD per share.
The clock since the last published purchase (6 November 2025) now reads 346 days. Typically, a trade is published a median of 8 days after it takes place. Section 16 rules allow two business days to file each Form 4.
In the same sector, recent insider purchases at First Guaranty Bancshares, Inc. and Avidia Bancorp, Inc. also feature in our signals. Source: insider filings from SEC (Form 4). Past trades are no guide to future returns.
Insider Decl.
210
Thresholds
n/a
Buy Volume
€818,230
20 ops. · all time
Sell Volume
€267,330
1 ops. · all time
Who traded when
BuySaleKevin Sanguinetti1 buy
Since the insiders bought
- +13.9%Entry US$1,020.00 · Close at T+90 US$1,162.00
- +7.4%Entry US$950.00 · Close at T+365 US$1,020.00
- +7.4%Entry US$950.00 · Close at T+365 US$1,020.00
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 402 of 24,148 companies
84.7
score / 100
Value83
Quality86
FCF yld9.7%
Earn yld9.4%
EV/EBITDA·
ROE15%
Gross mgn·
Net mgn39%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$1,435.00
Analyst consensus
Income statement
RevenueUS$238.2M
Net incomeUS$93.6M39.8% margin
Valuation
PER (trailing)10.3x
P/Book1.4x
Beta0.16
Balance sheet & cash
Market capUS$992.9M
Total debtUS$10.3M
Free Cash FlowUS$96.6M
Profitability & ownership
ROE14.9%
ROA1.7%
% insiders9.8%
% institutions0.5%
Last declaration on 14 October 2026
Declarations210 total
18 shares@ US$1,435.600.0026% mcap3.7% of flowCommon StockSEC:0001213900-26-109521:0
52 shares@ US$1,435.600.0074% mcap2.8% of flowCommon StockSEC:0001213900-26-109520:0
465 shares@ US$1,346.320.061% mcap23.1% of flowCommon StockSEC:0001213900-26-093355:0
60 shares@ US$1,346.320.0079% mcap2.8% of flowCommon StockSEC:0001213900-26-093342:0
250 shares@ US$1,346.320.033% mcap11.8% of flowCommon StockSEC:0001213900-26-093342:1
60 shares@ US$1,346.320.0079% mcap6.3% of flowCommon stockSEC:0001213900-26-093343:0
250 shares@ US$1,346.320.033% mcap26.4% of flowCommon stockSEC:0001213900-26-093343:1
60 shares@ US$1,346.320.0079% mcap8.0% of flowCommon StockSEC:0001213900-26-093344:0
250 shares@ US$1,346.320.033% mcap33.5% of flowCommon StockSEC:0001213900-26-093344:1
60 shares@ US$1,346.320.0079% mcap19.4% of flowCommon StockSEC:0001213900-26-093346:0
250 shares@ US$1,346.320.033% mcap80.6% of flowCommon StockSEC:0001213900-26-093346:1
60 shares@ US$1,346.320.0079% mcap4.3% of flowCommon StockSEC:0001213900-26-093356:0
250 shares@ US$1,346.320.033% mcap17.8% of flowCommon StockSEC:0001213900-26-093356:1
60 shares@ US$1,346.320.0079% mcap1.0% of flowCommon StockSEC:0001213900-26-093357:0
250 shares@ US$1,346.320.033% mcap4.0% of flowCommon StockSEC:0001213900-26-093357:1
60 shares@ US$1,346.320.0079% mcap3.2% of flowCommon StockSEC:0001213900-26-093359:0
250 shares@ US$1,346.320.033% mcap13.3% of flowCommon StockSEC:0001213900-26-093359:1
212 shares@ US$1,346.320.028% mcap40.0% of flowCommon StockSEC:0001213900-26-093353:0
804 shares@ US$1,346.320.11% mcap25.6% of flowCommon StockSEC:0001213900-26-093349:0
925 shares@ US$1,346.320.12% mcap29.4% of flowCommon StockSEC:0001213900-26-093349:1
804 shares@ US$1,346.320.11% mcap16.4% of flowCommon StockSEC:0001213900-26-093350:0
925 shares@ US$1,346.320.12% mcap18.9% of flowCommon StockSEC:0001213900-26-093350:1
275 shares@ US$1,346.320.036% mcap54.0% of flowCommon StockSEC:0001213900-26-093351:0
3,173 shares@ US$1,346.320.42% mcap8.3% of flowCommon StockSEC:0001213900-26-093358:0
3,800 shares@ US$1,346.320.50% mcap10.0% of flowCommon StockSEC:0001213900-26-093358:1
25 of 210 declarations
About Farmers & Merchants Bancorp
Farmers & Merchants Bancorp, Inc. (ticker: FMCB) is a U.S. bank holding company that trades on the U.S. public markets, commonly referenced by investors in the NYSE/NASDAQ universe. The company is headquartered in Archbold, Ohio, in the United States, and serves as the parent of Farmers & Merchants State Bank. Its franchise is built on a long-standing community-banking identity, with operating roots dating back to 1897, which gives the company a historically durable brand in its local markets. ([ir.fm.bank](https://ir.fm.bank/node/12586/pdf))
Operationally, FMCB is focused on relationship banking: commercial banking, retail banking, and a broader set of financial services for individuals, families, and businesses. Its lending mix includes commercial credit and commercial real estate, and management highlights a diversified CRE portfolio spanning industrial, multifamily, retail, hotel, office and other property types. That mix suggests a traditional regional-bank model rather than a capital-markets or fee-heavy banking profile. The company also emphasizes active credit monitoring, especially in potentially higher-risk sectors, which is important for assessing downside protection in a regional lender. ([ir.fm.bank](https://ir.fm.bank/node/12586/pdf))
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From a competitive standpoint, Farmers & Merchants Bancorp appears positioned as a conservative, relationship-driven community bank with an emphasis on balance-sheet discipline, deposit loyalty, and long-term customer retention. Rather than pursuing rapid national expansion, the firm appears to compete through local knowledge, stable underwriting, and incremental market share gains in its core footprint. Management stated that it entered 2026 from a position of strength and is developing a new three-year strategic plan aimed at sustainable growth across its markets, a signal that the bank remains focused on measured expansion rather than aggressive risk-taking. ([ir.fm.bank](https://ir.fm.bank/node/12586/pdf))
Recent operating results were constructive. In its 2025 year-end update, the bank reported a net interest margin of 4.15%, which management described as one of the strongest in the industry. The improvement was supported by higher investment yields and a lower cost of deposits, while deposits themselves increased year over year. Non-interest income also improved, and management highlighted continued balance-sheet strength, including a solid capital position and controlled nonperforming loans at year-end 2025. ([fmbonline.com](https://www.fmbonline.com/_/kcms-doc/171/95992/MSR11094_2025Year-EndEarningsPress-Release.pdf))
For investors in France, Belgium and Switzerland, FMCB can be viewed as a classic U.S. regional banking story: a conservative community franchise, a stable deposit base, diversified commercial lending, and a shareholder-friendly capital-return profile. The key variables to watch remain credit quality, deposit pricing, loan growth, and the bank’s ability to preserve margin and earnings power through changing interest-rate conditions. ([ir.fm.bank](https://ir.fm.bank/node/12586/pdf))
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