Filing Flows › Farmers & Merchants Bancorp (FMCB) › Guidance & outlook
Farmers & Merchants Bancorp (FMCB) guidance and outlook
Farmers & Merchants Bancorp's 10-Q filed Nov 6, 2026 makes 6 forward-looking statements.
Guidance and outlook
Forward-looking statements, 10-Q filed Nov 6, 2026
- Statements that project future financial conditions, results of operations, and shareholder value are not guarantees of performance and many of the factors that will determine these results and values are beyond our ability to control or predict.
- As a legal entity separate and distinct from its subsidiary, the Company’s principal source of funds is, and will continue to be, dividends paid by and other funds received from the Bank.
- The provision is the amount required to maintain the allowance for credit losses at a level that, in management’s judgment, is adequate to absorb expected credit losses over the life of the loans and leases, unfunded loan commitments and HTM securities portfolios.
- Based on the Company’s evaluation of the credit quality of the loan and lease portfolio and the calculations of the allowance for credit losses under the current expected credit losses (“CECL”) methodology, the Company recorded a $1.5 million provision for credit losses during the three months ended September 30, 2026 compared to a $0.7 million provision for credit losses during the three months ended September…
- The Company evaluates securities for expected credit losses at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation.
- In order to ensure funds are available at all times, we devote resources to projecting the amount of funds that will be required and we maintain relationships with a diversified client base.
Farmers & Merchants Bancorp's latest quarter
Farmers & Merchants Bancorp, Q3 2026: revenue $64.6M (+4% year over year), operating margin 42.2%, net earnings $25.1M, operating cash flow $40.4M. The chart follows the revenue to costs, profit and cash.
Questions
What does Farmers & Merchants Bancorp expect?
Statements that project future financial conditions, results of operations, and shareholder value are not guarantees of performance and many of the factors that will determine these results and values are beyond our ability to control or predict. As a legal entity separate and distinct from its subsidiary, the Company’s principal source of funds is, and will continue to be, dividends paid by and other funds received from the Bank. The provision is the amount required to maintain the allowance for credit losses at a level that, in management’s judgment, is adequate to absorb expected credit los
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.