Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/9ee23b09-a279-42e2-9021-c28f3aeebeb6/
FMAO
Farmers & Merchants Bancorp IncSnapshot 2026-07-19 · 0.6w · Fresh
Strategy Eligibility
10 of 23 passing
★
OS Composite
OS 0.890
↗
Trending Value
✗
◆
Quality × Value
QV 0.739
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 11.7
◇
VC2 Cheapest
✗
📐
EBITDA/EV
10.3%
◐
Veiled Value
✗
▣
Piotroski Bargains
F7
🔬
Quality Compounders
✗
📈
Consistent Earners
Yes
🌱
GARP
✗
🔄
Shareholder Yield
3.1%
💰
High Yield
Div 3.0%
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 84%
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.84
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
84.0%ile
P/E
11.7×
P/S
2.2×
P/B
1.1×
E/P
0.0894
FCF Yield
0.070
EBITDA/EV
0.103
SH Yield
0.031
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
19.00000000
/100 — 1=cheapest
VC2 (Trending Value)
20.00000000
/100
VC3 (Buyback)
16.00000000
/100
P/E of 11.7x places this firmly in deep value territory. FCF yield of 7.0% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
65.0%ile
ROE
0.096
ROA
0.010
Net Margin
0.188
Op Margin
0.241
GPA
0.035
D/E
8.27
Current
0.13
F-Score
7/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.066
Earn Growth
0.305
Stability
0.186
lower=better
Accruals
0.001
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 8.27 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
67.0%ile
6M Return
21.9%
12M Return
21.2%
12-1 Mom
13.4%
Risk-Adj
0.48
Vol 252d
28.2%
Vol 60d
60.1%
↑ Expanding
Max DD 12M
-17.1%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
Near-term vol (60%) is expanding vs long-term (28%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.89
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services
· 500 peers
Sector Value %ile
60.5%
Sector Quality %ile
36.5%
P/E z-score
-0.19
P/B z-score
-0.06
Sector Avg OS
85.4%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
Factor Interactions
Volatility Expanding
60-day vol (60%) significantly exceeds 252-day (28%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
69.3% avg (7 factors)
Quality
D
32.7% avg (8 factors)
Momentum
C
52.5% avg (4 factors)
Risk
B
69.6% avg (1 factors)
Deep value territory, but quality is concerning. This is either a turnaround opportunity or a value trap — the F-Score and accruals ratio will be key differentiators.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends7 snapshots
Factor Persistence7 snapshots
| Factor | Current | Streak | Trend | Spark |
|---|---|---|---|---|
| OS Composite | 0.890 | —2 | — | |
| Value %ile | 0.840 | —7 | — | |
| Quality %ile | 0.650 | —0 | — | |
| Momentum %ile | 0.670 | —0 | — | |
| F-Score | 7.000 | —7 | — | |
| Confidence | 0.969 | —7 | — | |
| Volatility | 0.282 | —0 | — |
Value Lens2021-07-20 → 2026-07-19
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
11.71
Earnings Yield (E/P)
0.0894
Price / Sales
2.20
Price / Book
1.12
Price / Cash Flow
12.38
FCF Yield
7.0%
EBITDA / EV
10.3%
Sales Yield (1/P·S)
0.3711
Shareholder Yield
Div + net buyback / mktcap
3.1%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
9.6%
Return on Assets
1.0%
Net Margin
18.8%
Operating Margin
24.1%
Gross Profit / Assets
Novy-Marx GPA
3.5%
Debt / Equity
8.27
Current Ratio
0.13
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.001
MomentumPrice trend strength over different horizons
6M Return
21.9%
12M Return
21.2%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
13.4%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.48
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
6.6%
Earnings Growth (YoY)
30.5%
Earnings Stability (CV)
Lower = more stable
0.186
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
7
Dividend Yield
3.0%
Buyback Yield
0.1%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
19
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
20
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
16
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity