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Zacks Company Profile for Farmers & Merchants Bancorp Inc. (FMAO : NSDQ)

• Company Description    Farmers & Merchants Bancorp, Inc. is the holding company for The Farmers & Merchants State Bank which operates as a locally owned and operated community bank serving Northwest Ohio and Northeast Indiana. The bank provides commercial banking, retail banking and other financial services through its 19 offices with locations in Fulton, Defiance, Henry, Williams, and Wood counties in Northwest Ohio. In Northeast Indiana they have offices located in DeKalb and Steuben counties. Farmers & Merchants Bancorp, Inc. is based in Archbold, Ohio. Number of Employees: 473

• Price / Volume Information    Yesterday's Closing Price: $24.47 Daily Weekly Monthly 20 Day Moving Average: 19,728 shares Shares Outstanding: 13.75 (millions) Market Capitalization: $336.46 (millions) Beta: 0.88 52 Week High: $34.15 52 Week Low: $20.88 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 4.84% 2.09% 12 Week -0.16% -4.30% Year To Date -16.91% -27.37%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 307-11 N DEFIANCE ST - ARCHBOLD,OH 43502 USA ph: 419-446-2501 fax: - andrew@smberger.com http://www.fm.bank

• General Corporate Information    Officers Lars B. Eller - President and Chief Executive Officer Andrew J. Briggs - Chairman Barbara J. Britenriker - Executive Vice President; Chief Financial Officer David R. Gerken - Executive Vice President and Chief Lending Officer Shalini Singhal - Senior Vice President and Chief Information Office Peer Information Farmers & Merchants Bancorp Inc. (CNBKA) Farmers & Merchants Bancorp Inc. (CNBI2) Farmers & Merchants Bancorp Inc. (CNOB) Farmers & Merchants Bancorp Inc. (FBNK.) Farmers & Merchants Bancorp Inc. (FMBN) Farmers & Merchants Bancorp Inc. (TBNK) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-NORTHEAST Sector: Finance CUSIP: 30779N105 SIC: 6035 Fiscal Year Fiscal Year End: December Last Reported Quarter: 09/01/25 Next Expected EPS Date: 02/11/26 Share - Related Items Shares Outstanding: 13.75 Most Recent Split Date: 9.00 (2.00:1) Beta: 0.88 Market Capitalization: $336.46 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 3.72% Current Fiscal Quarter EPS Consensus Estimate: $0.67 Indicated Annual Dividend: $0.91 Current Fiscal Year EPS Consensus Estimate: $2.38 Payout Ratio: 0.38 Number of Estimates in the Fiscal Year Consensus: 2.00 Change In Payout Ratio: -0.02 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 10/10/2025 - $0.23 Next EPS Report Date: 02/11/26

• Fundamental Ratios P/E Current FY Estimate: 10.26 Trailing 12 Months: 10.55 PEG Ratio: - Price Ratios Price/Book: 0.93 Price/Cash Flow: 10.87 Price / Sales: 1.80 EPS Growth vs. Year Ago Period: 33.33% vs. Previous Quarter: 14.29% Sales Growth vs. Year Ago Period: 6.50% vs. Previous Quarter: 2.98% ROE 09/30/25 - 9.16 06/30/25 - 8.66 03/31/25 - 8.23 ROA 09/30/25 - 0.95 06/30/25 - 0.88 03/31/25 - 0.82 Current Ratio 09/30/25 - 0.97 06/30/25 - 0.96 03/31/25 - 0.98 Quick Ratio 09/30/25 - 0.97 06/30/25 - 0.96 03/31/25 - 0.98 Operating Margin 09/30/25 - 17.03 06/30/25 - 16.04 03/31/25 - 15.15 Net Margin 09/30/25 - 17.03 06/30/25 - 16.04 03/31/25 - 15.15 Pre-Tax Margin 09/30/25 - 21.48 06/30/25 - 20.13 03/31/25 - 19.02 Book Value 09/30/25 - 26.31 06/30/25 - 25.57 03/31/25 - 25.15 Inventory Turnover 09/30/25 - 16.23 06/30/25 - 18.37 03/31/25 - 29.17 Debt-to-Equity 09/30/25 - 0.52 06/30/25 - 0.54 03/31/25 - 0.71 Debt-to-Capital 09/30/25 - 34.19 06/30/25 - 34.95 03/31/25 - 41.60

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