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FMAO DRIP Calculator & Dividend Yield 2026
2.63% YieldFinancial ServicesFarmers & Merchants Bancorp, Inc. · NASDAQ
Price: $35.75 · Annual div: $0.9400/share · Frequency: quarterly · Payout ratio: 28% · Ex-div: 2026-10-09
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Portfolio growth: DRIP vs No DRIP
Annual dividend income growth
💡 What-if scenarios
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🎯 When FMAO pays your bills
Year your monthly dividend income covers each expense (based on current settings)
FMAO Dividend History — Last 80 Payments
| Ex-Dividend Date | Payment Date | Amount / Share | TTM Yield | Stock Price |
|---|---|---|---|---|
| 2026-10-09Latest | 2026-10-20 | $0.2500 | 3.34% | $34.91 |
| 2026-07-10 | 2026-07-20 | $0.2300 | 2.92% | $31.45 |
| 2026-04-02 | 2026-04-20 | $0.2300 | 4.35% | $25.95 |
| 2025-12-29 | 2026-01-20 | $0.2300 | 3.68% | $24.47 |
| 2025-10-10 | 2025-10-20 | $0.2275 | 3.50% | $25.46 |
| 2025-07-07 | 2025-07-20 | $0.2213 | 3.38% | $26.21 |
| 2025-04-04 | 2025-04-20 | $0.2213 | 3.71% | $23.85 |
| 2024-12-27 | 2025-01-20 | $0.2213 | 2.66% | $33.20 |
| 2024-10-04 | 2024-10-20 | $0.2213 | 3.37% | $26.16 |
| 2024-07-05 | 2024-07-20 | $0.2200 | 3.88% | $22.41 |
| 2024-03-27 | 2024-04-20 | $0.2200 | 5.29% | $20.23 |
| 2023-12-28 | 2024-01-20 | $0.2200 | 5.18% | $20.48 |
| 2023-10-05 | 2023-10-20 | $0.2100 | 4.81% | $17.47 |
| 2023-07-06 | 2023-07-20 | $0.2100 | 4.53% | $23.04 |
| 2023-03-30 | 2023-04-20 | $0.2100 | 3.96% | $25.86 |
| 2022-12-29 | 2023-01-20 | $0.2100 | 2.88% | $28.25 |
| 2022-09-23 | 2022-10-20 | $0.2100 | 3.43% | $28.37 |
| 2022-07-07 | 2022-07-20 | $0.2030 | 2.29% | $33.34 |
| 2022-03-31 | 2022-04-20 | $0.1900 | 2.27% | $32.15 |
| 2021-12-27 | 2022-01-20 | $0.1900 | 3.03% | $29.02 |
| 2021-09-27 | 2021-10-20 | $0.1800 | 3.69% | $23.30 |
| 2021-06-25 | 2021-07-20 | $0.1700 | 3.78% | $22.20 |
| 2021-03-30 | 2021-04-20 | $0.1700 | 2.83% | $23.68 |
| 2020-12-28 | 2021-01-20 | $0.1700 | — | — |
| 2020-09-28 | 2020-10-20 | $0.1700 | — | — |
| 2020-06-26 | 2020-07-20 | $0.1600 | — | — |
| 2020-03-30 | 2020-04-20 | $0.1600 | — | — |
| 2019-12-30 | 2020-01-20 | $0.1600 | — | — |
| 2019-09-30 | 2019-10-20 | $0.1500 | — | — |
| 2019-06-14 | 2019-07-20 | $0.1500 | — | — |
| 2019-03-25 | 2019-04-20 | $0.1500 | — | — |
| 2018-12-28 | 2019-01-20 | $0.1500 | — | — |
| 2018-10-01 | 2018-10-20 | $0.1400 | — | — |
| 2018-06-25 | 2018-07-20 | $0.1400 | — | — |
| 2018-03-26 | 2018-04-20 | $0.1300 | — | — |
| 2017-12-22 | 2018-01-20 | $0.1300 | — | — |
| 2017-09-25 | 2017-10-20 | $0.1300 | — | — |
| 2017-06-22 | 2017-07-20 | $0.1250 | — | — |
| 2017-03-24 | 2017-04-20 | $0.1150 | — | — |
| 2016-12-22 | 2017-01-20 | $0.1150 | — | — |
| 2016-09-23 | 2016-10-20 | $0.1150 | — | — |
| 2016-06-29 | 2016-07-20 | $0.2300 | — | — |
| 2016-03-24 | 2016-04-20 | $0.1100 | — | — |
| 2015-12-24 | 2016-01-20 | $0.2200 | — | — |
| 2015-09-25 | 2015-10-20 | $0.1100 | — | — |
| 2015-06-26 | 2015-07-20 | $0.1100 | — | — |
| 2015-03-27 | 2015-04-20 | $0.1050 | — | — |
| 2014-12-29 | 2015-01-20 | $0.1050 | — | — |
| 2014-09-29 | 2014-10-20 | $0.1050 | — | — |
| 2014-06-27 | 2014-07-20 | $0.1050 | — | — |
| 2014-03-28 | 2014-04-20 | $0.1050 | — | — |
| 2013-12-27 | 2014-01-20 | $0.1050 | — | — |
| 2013-09-27 | 2013-10-20 | $0.1000 | — | — |
| 2013-06-28 | 2013-07-20 | $0.1000 | — | — |
| 2013-03-26 | 2013-04-20 | $0.1000 | — | — |
| 2012-12-28 | 2013-01-20 | $0.1000 | — | — |
| 2012-09-28 | 2012-10-20 | $0.1000 | — | — |
| 2012-06-22 | 2012-07-20 | $0.0950 | — | — |
| 2012-03-23 | 2012-04-20 | $0.0950 | — | — |
| 2011-12-23 | 2012-01-20 | $0.0950 | — | — |
| 2011-09-23 | 2011-10-20 | $0.0950 | — | — |
| 2011-06-24 | 2011-07-20 | $0.0950 | — | — |
| 2011-03-25 | 2011-04-20 | $0.0950 | — | — |
| 2010-12-23 | 2011-01-20 | $0.0950 | — | — |
| 2010-09-21 | 2010-10-20 | $0.0900 | — | — |
| 2010-06-22 | 2010-07-20 | $0.0900 | — | — |
| 2010-03-23 | 2010-04-20 | $0.0900 | — | — |
| 2009-12-22 | 2010-01-20 | $0.0900 | — | — |
| 2009-09-21 | 2009-10-20 | $0.0900 | — | — |
| 2009-06-22 | 2009-07-20 | $0.0900 | — | — |
| 2009-03-23 | 2009-04-20 | $0.0900 | — | — |
| 2008-12-22 | 2009-01-20 | $0.0900 | — | — |
| 2008-09-24 | 2008-10-20 | $0.0900 | — | — |
| 2008-06-24 | 2008-07-20 | $0.0800 | — | — |
| 2008-03-18 | — | $0.1600 | — | — |
| 2008-03-18 | — | $0.1600 | — | — |
| 2008-01-28 | — | $0.0800 | — | — |
| 2007-07-13 | 2007-07-20 | $0.0800 | — | — |
| 2007-07-13 | 2007-07-20 | $0.0800 | — | — |
| 2007-06-13 | 2007-07-20 | $0.0800 | — | — |
About Farmers & Merchants Bancorp, Inc. (FMAO) — Dividend Analysis 2026
Farmers & Merchants Bancorp, Inc. functions as the holding company for The Farmers & Merchants State Bank, offering a broad spectrum of commercial banking solutions. The bank serves individual customers and small businesses throughout northwest Ohio and northeast Indiana. Its offerings include various deposit accounts such as checking, savings, and time deposits, along with custodial services for Individual Retirement Accounts (IRAs) and Health Savings Accounts (HSAs). The company's lending products are extensive, covering commercial, agricultural, and residential mortgages. Specifically, it provides financing for agricultural land, farm equipment, livestock, and operational expenses like seeds and fertilizers. Consumer loans are available for home improvements, vehicles (automobiles, trucks, recreational vehicles, and motorcycles), and credit cards. Additionally, it offers commercial real estate loans, including lines of credit and machinery purchase financing. For customer convenience, Farmers & Merchants Bancorp, Inc. provides Automated Teller Machine (ATM) and Interactive Teller Machine (ITM) access. It also supports digital banking through online and mobile platforms, remote deposit capture, and merchant credit card processing. Electronic transaction services, such as wire transfers and Automated Clearing House (ACH) file transmissions, are also available. The company was founded in 1897 and is headquartered in Archbold, Ohio.
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Forward dividend yield from the latest data · open any DRIP calculator
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🌍 FMAO Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold FMAO.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 2.63% | -0.17% | $263 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.24% | -0.56% | $224 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 2.10% | -0.70% | $210 / yr |
| 🇬🇧 UK ISA | 0% | 2.63% | -0.17% | $263 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.40% | -0.40% | $240 / yr |
| 🇨🇦 TFSA | 0% | 2.63% | -0.17% | $263 / yr |
| 🇨🇦 CA Taxable | 25% | 1.97% | -0.83% | $197 / yr |
| 🇦🇺 Super (pension) | 15% | 2.24% | -0.56% | $224 / yr |
| 🇦🇺 AU Taxable | 30% | 1.84% | -0.96% | $184 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.94% | -0.86% | $194 / yr |
| 🇫🇷 FR Taxable | 30% | 1.84% | -0.96% | $184 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 FMAO Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.94/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 FMAO Dividend Payment Schedule
FMAO pays quarterly — 4 times per year. Ex-div: 2026-10-09.
📊 FMAO vs Financial Services Benchmarks
How FMAO compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for FMAO sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ FMAO Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| A-Award | 2026-09-25 | 133 | $35.03 | $4.7K | ||
| A-Award | 2026-09-18 | 386 | $35.67 | $13.8K | ||
| A-Award | 2026-09-18 | 263 | $35.67 | $9.4K | ||
| A-Award | 2026-09-18 | 351 | $35.67 | $12.5K | ||
| A-Award | 2026-09-18 | 403 | $35.67 | $14.4K | ||
| A-Award | 2026-09-18 | 176 | $35.67 | $6.3K | ||
| A-Award | 2026-09-18 | 176 | $35.67 | $6.3K | ||
| Sale | 2026-08-17 | 3,000 | $35.11 | $105.3K | ||
| Sale | 2026-08-18 | 2,402 | $35.05 | $84.2K | ||
| Sale | 2026-08-13 | 3,000 | $35.19 | $105.6K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Peer Group
Similar companies in the same sectorCompare FMAO with peers: FMAO vs BCML · FMAO vs BWFG · FMAO vs FSBW
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the FMAO dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Farmers & Merchants Bancorp, Inc. (FMAO) is currently trading at $35.75, trading near its 52-week high. The current dividend yield is 2.63% based on an annual payout of $0.9400 per share.
FMAO (Farmers & Merchants Bancorp, Inc.) — 2.63% Dividend Yield Analysis
Farmers & Merchants Bancorp, Inc. (FMAO) is a financial services stock currently trading at $35.75 with a dividend yield of 2.63%. It pays an annual dividend of $0.9400 per share. The payout ratio of 28% suggests the dividend is well-covered by earnings. Over the past 5 years, FMAO has grown its dividend at a compound annual rate of 6.4%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
Latest FMAO News
LiveNews aggregated from public sources via Finnhub & RSS. For informational purposes only.
How investors use the FMAO dividend calculator
Illustrative examples of common use cases, written by the DividendFlow team — not customer reviews.