Farmers and Merchants Bancshares, Inc.

Farmers and Merchants Bancshares, Inc.verified

FMFG

Price:

$16.8

Market Cap:

$53.30M

Farmers and Merchants Bancshares, Inc., through its subsidiary Farmers and Merchants Bank, provides commercial and retail banking services to individuals and businesses in Baltimore and Carroll counties in Maryland, and surrounding areas of northern Maryland. It offers checking, savings, money market, individual retirement, and sweep accounts, as well as certificates of deposit, remote check deposits, and repurchase agreements. The company also provides credit for residential mortgages, including federal housing administration and veterans affairs loans; construction loans; home equity lines; personal installment loans; and other consumer financing, as well as finances commerce and industry ...[Read more]

Industry

Banks - Regional

IPO Date

2004-05-12

Stock Exchange

OTC

Ticker

FMFG

The ROE as of December 2025 (TTM) for Farmers and Merchants Bancshares, Inc. (FMFG) is 11.26%

According to Farmers and Merchants Bancshares, Inc.’s latest financial reports and current stock price. The company's current ROE is 11.26%. This represents a change of 718.35% compared to the average of 1.38% of the last 4 quarters.

Farmers and Merchants Bancshares, Inc. (FMFG) Historical ROE (quarterly & annually)

How has FMFG ROE performed in the past?

The mean historical ROE of Farmers and Merchants Bancshares, Inc. over the last ten years is 10.69%. The current 11.26% ROE has changed 5.31% with respect to the historical average. Over the past ten years (40 quarters), FMFG's ROE was at its highest in in the March 2022 quarter at 3.93%. The ROE was at its lowest in in the September 2025 quarter at 0%.

Quarterly (TTM)
Annual

Average

10.69%

Median

10.20%

Minimum

5.18%

Maximum

16.93%

Farmers and Merchants Bancshares, Inc. (FMFG) ROE by Quarter and Year

Discovering the peaks and valleys of Farmers and Merchants Bancshares, Inc. ROE, unveiling quarterly and yearly fluctuations to gain insights into the company’s financial performance and market dynamics, offering valuable data for investors and analysts alike.

Maximum Annual Increase = 177.61%

Maximum Annual ROE = 16.93%

Minimum Annual Increase = -43.78%

Minimum Annual ROE = 5.18%

Quarterly (TTM)
Annual
YearROEChange
20247.60%-38.20%
202312.30%-27.36%
202216.93%17.65%
202114.39%177.61%
20205.18%-43.78%
20199.22%-11.17%
201810.38%14.52%
20179.07%-9.53%
201610.02%-14.96%
201511.78%7.82%

Farmers and Merchants Bancshares, Inc. (FMFG) Average ROE

How has FMFG ROE performed in the past?

The current ROE of Farmers and Merchants Bancshares, Inc. (FMFG) is less than than its 3-year, less than than its 5-year, and less than than its 10-year historical averages

3-year avg

12.28%

5-year avg

11.28%

10-year avg

10.69%

Farmers and Merchants Bancshares, Inc. (FMFG) ROE vs. Peers

How is FMFG’s ROE compared to its peers?

Farmers and Merchants Bancshares, Inc.’s ROE is less than Pacific Valley Bancorp (7.14%), less than Mission Valley Bancorp (8.92%), less than United National Bank (10.25%), less than Highlands Bankshares, Inc. (8.96%), less than Chino Commercial Bancorp (12.82%), less than FCN Banc Corp. (10.81%), less than Redwood Capital Bancorp (9.40%), less than Equitable Financial Corp. (6.31%), less than Northeast Indiana Bancorp, Inc. (9.51%), less than First Resource Bancorp Inc. (12.10%),

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