Filing Flows › Farmers & Merchants Bancorp (FMCB) › How it makes money
How Farmers & Merchants Bancorp (FMCB) makes money
Farmers & Merchants Bancorp (FMCB) made $64.6M of revenue in the third quarter 2026 (Q3 2026), +4% from a year earlier. Net interest income brought in $58.3M (90%); Noninterest income brought in $6.3M (10%). Of every dollar of revenue, 42¢ was left as operating profit, 39¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $58.3M | 90.3% | +2% | +5% |
| Noninterest income | $6.3M | 9.7% | +24% | -9% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $64.6M | 100.0% |
| Operating profit | $27.2M | 42.2% |
| Income tax | $2.2M | 3.3% |
| Net earnings | $25.1M | 38.8% |
| Operating cash flow | $40.4M | 62.6% |
| Free cash flow | $39.2M | 60.7% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $64.6M | +4% |
From Farmers & Merchants Bancorp's 10-Q filed Nov 6, 2026 (on EDGAR).
Questions
How does Farmers & Merchants Bancorp make money?
Farmers & Merchants Bancorp (FMCB) made $64.6M of revenue in the third quarter 2026 (Q3 2026), +4% from a year earlier. Net interest income brought in $58.3M (90%); Noninterest income brought in $6.3M (10%). Of every dollar of revenue, 42¢ was left as operating profit, 39¢ was left as net earnings.
What is Farmers & Merchants Bancorp's biggest business?
Net interest income: $58.3M in the third quarter 2026, 90% of revenue, +5% from a year earlier.
What is Farmers & Merchants Bancorp's profit margin?
Net earnings were $25.1M, 38.8% of revenue, in the third quarter 2026; the operating margin was 42.2%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.