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Farmers & Merchants Bancorp Inc Stock: price and insider trades · United States
1 insider bought €8,966 of shares over the last 90 days, the latest filed 03 Aug 2026.
Farmers & Merchants Bancorp Inc: what insiders have been doing
Farmers & Merchants Bancorp Inc belongs to the Finance & Banking sector. Filings by its managers are published through SEC (Form 4). The last twelve months, up to 18 October 2026, brought 108 filings signed by 18 insiders.
The record shows 4 purchases on the open market worth €68k, made by 3 insiders, against 66 sales worth €3.7M by 3 insiders. The totals exclude 18 filings filed without an amount. A purchase on the market is a deliberate choice to commit personal money, which is why it draws more attention than a grant. Those buying include 3 senior executives. Briggs Andrew J filed the largest sale, €92k, on 14 August 2026, which represents 0.010% of the company's market value.
For context, the typical company on the same exchange (median of 5,808 companies) published 19 filings over the same period, against 108 filings here. The full history, which starts in 2016, counts 24 purchases against 68 sales. On the fundamentals side, the SEC filing (10-K) for the period ending 31 December 2025 lists net income at 33.3 m USD; the dividend was 0.90 USD per share.
The data flag 2 purchases as part of a group of insiders buying within 30 days of each other. A cluster is several different insiders buying the same stock within a short window, a pattern studied more closely than a single purchase. The clock since the last published purchase (3 August 2026) now reads 76 days. Filings reach the SEC (Form 4) feed a median of 1 day after the trade. For comparison, the SEC allows two business days to file a Form 4. Sales are harder to read than purchases, since they often meet personal needs such as tax or diversification.
Other companies in the same sector with recent insider buying flagged by our signals: First Guaranty Bancshares, Inc. and Avidia Bancorp, Inc. These figures are compiled from regulatory filings published by SEC (Form 4). They describe what insiders did and are not a recommendation.
Insider Decl.
223
Thresholds
n/a
Buy Volume
€635,664
24 ops. · all time
Sell Volume
€4M
68 ops. · all time
Who traded when
BuySaleAndrew J. Briggs62 sales
Ian D. Boyce3 buys
David R. Gerken2 sales
Faust Eric D2 sales
Gregory R. Allen1 buy
Steven J. Planson1 buy
Since the insiders bought
- +2.4%Entry US$1,390.00 · Close at T+30 US$1,424.00
- +13.9%Entry US$1,020.00 · Close at T+90 US$1,162.00
- +14.4%Entry US$1,005.01 · Close at T+90 US$1,150.00
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.
Analyst consensus: bullish or bearish?
Analysts rate Farmers & Merchants Bancorp Inc Hold (neutral), based on 3 analysts. Average price target: US$36.00.
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 1,706 of 24,148 companies
76.7
score / 100
Value75
Quality79
FCF yld7.2%
Earn yld6.8%
EV/EBITDA·
ROE11%
Gross mgn·
Net mgn28%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$34.69
Analyst consensus
3 analystsHold
US$36.00Target US$36.00(+4%)US$36.00
Income statement
RevenueUS$117.6M
Net incomeUS$33.3M31.0% margin
Valuation
PER (trailing)11.9x
PER (forward)10.6x
P/Book1.2x
Beta0.81
Balance sheet & cash
Market capUS$477.8M
Total debtUS$262.3M
Free Cash FlowUS$35M
Profitability & ownership
ROE10.9%
ROA1.2%
% insiders2.8%
% institutions38.1%
Last declaration on 25 September 2026
Declarations223 total
133 shares@ US$35.030.0005% mcap31.3% of flowCommon StockSEC:0001193125-26-403066:0
176 shares@ US$35.670.0006% mcap10.1% of flowCommon StockSEC:0001193125-26-396768:0
176 shares@ US$35.670.0006% mcap20.3% of flowCommon StockSEC:0001193125-26-396759:0
386 shares@ US$35.670.0014% mcap28.3% of flowCommon StockSEC:0001193125-26-396865:0
403 shares@ US$35.670.0014% mcap29.2% of flowCommon StockSEC:0001193125-26-396793:0
351 shares@ US$35.670.0012% mcap6.1% of flowCommon StockSEC:0001193125-26-396818:0
263 shares@ US$35.670.0009% mcap21.2% of flowCommon StockSEC:0001193125-26-396855:0
3,000 shares@ US$35.110.010% mcap1.3% of flowCommon StockSEC:0001193125-26-355800:0
2,402 shares@ US$35.050.0082% mcap1.0% of flowCommon StockSEC:0001193125-26-355800:1
5,402 shares@ US$35.110.018% mcap2.3% of flowCommonSEC144:0001959173-26-006051
3,000 shares@ US$35.190.010% mcap1.3% of flowCommon StockSEC:0001193125-26-351514:0
3,000 shares@ US$35.380.010% mcap1.3% of flowCommon StockSEC:0001193125-26-351514:1
3,000 shares@ US$34.540.010% mcap1.2% of flowCommon StockSEC:0001193125-26-347238:0
3,000 shares@ US$34.460.010% mcap1.2% of flowCommon StockSEC:0001193125-26-347238:1
3,000 shares@ US$34.940.010% mcap1.3% of flowCommon StockSEC:0001193125-26-347238:2
15,000 shares@ US$34.540.051% mcap6.2% of flowCommonSEC144:0001959173-26-005804
3,000 shares@ US$34.240.010% mcap1.2% of flowCommon StockSEC:0001193125-26-340562:0
3,000 shares@ US$34.080.0100% mcap1.2% of flowCommon StockSEC:0001193125-26-340562:1
1,000 shares@ US$33.720.0033% mcap17.9% of flowCommon StockSEC:0001193125-26-338293:0
3,000 shares@ US$33.690.0099% mcap1.2% of flowCommon StockSEC:0001193125-26-335459:0
3,000 shares@ US$34.760.010% mcap1.3% of flowCommon StockSEC:0001193125-26-335459:2
3,000 shares@ US$33.670.0099% mcap1.2% of flowCommon StockSEC:0001193125-26-335459:1
15,000 shares@ US$33.690.049% mcap6.1% of flowCommonSEC144:0001959173-26-005492
300 shares@ US$34.470.0010% mcap68.7% of flowCommon StockSEC:0001193125-26-330836:0
Canonical exit: 1 Nov 2026 (T+90)
3,000 shares@ US$34.480.010% mcap1.3% of flowCommon StockSEC:0001193125-26-328765:0
25 of 223 declarations
About Farmers & Merchants Bancorp Inc
Farmers & Merchants Bancorp Inc. (ticker: FMCB) is a U.S.-listed banking company, traded on the OTCQX market rather than on the NYSE/NASDAQ proper, and serves as the holding company for Farmers & Merchants Bank of Central California. The group is a long-established regional financial institution headquartered in Lodi, California, with a business model rooted in relationship banking and a strong local franchise tied to Central California’s agricultural, commercial, and household economies.
The company’s heritage is an important part of its investment profile. FMCB has built its reputation over time through conservative underwriting, a stable deposit base, and a community-bank culture that emphasizes customer relationships rather than aggressive balance-sheet expansion. In competitive terms, that places the bank in a differentiated position versus large national banks and faster-growing fintech-led lenders. Its edge lies in local market knowledge, prudent credit management, and a reputation for consistency across cycles.
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Operationally, Farmers & Merchants Bancorp focuses on core banking services: commercial loans, agricultural lending, commercial real estate, residential real estate, deposits, treasury management, and standard retail banking products. These are the fundamentals of a traditional U.S. regional bank, but FMCB’s emphasis on credit quality and relationship depth makes it especially relevant for investors seeking a lower-volatility financial institution with recurring earnings power.
Geographically, the business is concentrated in California, particularly in communities where small and mid-sized businesses, farmers, and local households form the backbone of economic activity. This regional focus limits geographic diversification, but it also supports strong customer retention and a more granular understanding of borrower risk. For French-speaking investors, FMCB is best viewed as a disciplined community-to-regional bank rather than a broad national platform.
Recent developments have been constructive. In 2025 and early 2026, the company reported record or near-record financial results, including higher net income, improved net interest margin, and continued capital-return activity through dividends and share repurchases. The market has also monitored SEC Form 4 insider transaction filings, which are often watched closely in regional banks as a signal of management alignment and confidence. Overall, FMCB appears to be a conservatively run, profitable U.S. regional bank with a long operating history, a California-centric footprint, and a clear focus on relationship banking and credit discipline.
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