Farmers & Merchants Bancorp Inc

NAS:FMAOFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

$35.04−0.79%At closeAt close · Tue 20 Oct · ≈ AED 128.68 · Market cap — · Next earnings Wed 21 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	79.6%	88.3%	83.3%	60.4%	55.9%	62.3%	—	—
Operating margin	29.6%	32.0%	35.6%	18.6%	18.4%	22.5%	22.5%	+0.0 pts
Net margin	23.6%	25.5%	28.6%	15.0%	14.7%	17.6%	17.6%	+0.0 pts
EBITDA margin	34.6%	37.4%	39.1%	22.4%	22.1%	26.2%	—	—
Return on equity	8.1%	7.9%	10.9%	7.2%	7.7%	9.0%	9.0%	+0.0 pts
Return on assets	1.1%	0.9%	1.1%	0.7%	0.8%	1.0%	1.0%	+0.0 pts
Return on capital employed	9.4%	7.5%	8.6%	4.4%	5.0%	6.4%	—	—
Debt / equity	0.2×	0.4×	0.8×	1.0×	0.9×	0.8×	0.8×	+0.0%
Debt / assets	2.5%	4.8%	7.5%	10.0%	9.2%	8.7%	—	—
Interest coverage	2.4×	4.0×	2.8×	0.5×	0.4×	0.6×	—	—
Current ratio	0.3×	0.3×	0.2×	0.2×	0.2×	0.1×	0.1×	+0.0%
Quick ratio	0.3×	0.3×	0.2×	0.2×	0.2×	0.1×	—	—
Cash ratio	0.1×	0.1×	0.0×	0.1×	0.1×	0.0×	0.0×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.0×	0.1×	0.1×	—	—
Dividend payout	35.8%	32.6%	31.6%	49.7%	46.0%	36.3%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.