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Farmers and Merchants Bancshares, Inc (FMFG) Fair Value & Analysis

Financial Services · US · Market cap $57.9M

Price$17.75
Fair Value$23.17
Upside+30.5%
Quality95/100
Evidence: High Range $17.37 – $28.96

Fair value as of: Jun 26, 2026

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Analysis

Farmers and Merchants Bancshares, Inc (FMFG) currently trades at $17.75, while our model-based Fair Value estimate is $23.17 — implying the stock looks roughly 30.5% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Farmers and Merchants Bancshares, Inc. operates as the bank holding company for Farmers and Merchants Bank that provides commercial and retail banking services to individuals and businesses in Maryland. It offers checking, savings, money market, certificates of deposits and individual retirement, and sweep accounts, as well as 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 financing commerce and industry by providing credit and deposit services for small to medium size businesses and the agricultural community. In addition, it offers commercial lending, which includes commercial mortgages, land acquisition and development loans, lines of credit, accounts receivable financing, and term loans for fixed asset purchases, as well as loans guaranteed by…

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Frequently asked questions

Is Farmers and Merchants Bancshares, Inc (FMFG) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $23.17 versus a price of $17.75 — about +31% (undervalued). Model-based estimate, not financial advice.
What is the fair value of FMFG?
Our 21-model fair value for Farmers and Merchants Bancshares, Inc is $23.17 (as of Jun 26, 2026), built from audited fundamentals. The current price is $17.75.
What is the quality score of FMFG?
Farmers and Merchants Bancshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.