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Farmers and Merchants Bancshares, Inc. (FMFG)
USD18.88
+0.08 (+0.44%)
US OTC Financial Services Banks - Regional
Address
4510 Lower Beckleysville Road 21074
Hampstead, MD, US
Hampstead, MD, US
CEO
Gary A. Harris
Website
fmb1919.bank
IPO
2004-05-12
CIK 1698022 ISIN US3088561036
Description
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, individual retirement, and sweep accounts, as well as certificates of deposit, 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 finances 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 the Small Business Administration and the United States Department of Agriculture. Further, the company provides automated teller machine, internet, automated telephone services, online and mobile banking products, and other electronic banking services, as well as debit and credit cards. It operates through branches located in Hampstead, Greenmount, Reisterstown, Owings Mills, Eldersburg, and Westminster, Maryland. Farmers and Merchants Bancshares, Inc. was founded in 1919 and is headquartered in Hampstead, Maryland.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
USD18.88
+0.08 (+0.44%)
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Volume Profile
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Liquidity & share structure
Average Volume
734
Beta
-0.23
Float Shares
2.68M
Free Float %
82.8%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -2.30% | -0.97% | -2.13% | -6.04% | +3.32% | +1.22% | +7.20% | -16.20% | -25.83% | +15.05% | +70.21% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
18.88
DCF (Unlevered)
31.18
+65.1%
DCF (Levered)
30.61
+62.1%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.43
Distress
Piotroski F-Score
7 / 9
Strong
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
-
Revenue growth+11.9% Q1'26: +12.7% (vs Q1'25)
-
EPS growth+32.1% Q1'26: +56.8% (vs Q1'25)
-
FCF margin— Q1'26: +13.6% (vs Q1'25)
-
EBIT margin— Q1'26: +21.3% (vs Q1'25)
-
ROIC— Q1'26: -44.7% (vs Q1'25)
-
Share dilution+0.5% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 7.42× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-28 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-26 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-22 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-20 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-19 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-14 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-12 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-11 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-08 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-07 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-06 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-05 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 4/5 |
| 2026-05-01 | B | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-29 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-27 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-24 | B- | 2/5 | 4/5 | 3/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-23 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-20 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
8.08M
OE per share TTM
2.57
Owner's Yield
14.72%
Maintenance CapEx ratio
14.20%
Maint CapEx / Avg PPE
23.3%
Ownership Overview
Ownership breakdown
At a glance
Institutional holders
1
Total invested
1.17M
Insider transactions (90d)
0
Beneficial owners (>5%)
8
Beneficial owners (>5%)
| # | Reporting person | Amount owned | % of class | Sole voting | Shared voting | Sole dispositive | Shared dispositive | Type | Citizenship | Filing date | SEC filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Barry J. Renbaum | 159.2K | 5.20% | — | 159.2K | — | 159.2K | IN | Or Place Of Organization | 2022-12-19 | ↗ |
| 2 | Carol E. Renbaum | 159.2K | 5.20% | — | 159.2K | — | 159.2K | IN | Or Place Of Organization | 2022-12-19 | ↗ |
| 3 | Page 4 of 9 Pages | 89.3K | 12.00% | — | 89.3K | — | 89.3K | OO | Delaware | 2017-09-22 | ↗ |
| 4 | Siena Capital Partners GP, LLC | 89.2K | 5.30% | — | 89.2K | — | 89.2K | OO | Delaware | 2019-02-06 | ↗ |
| 5 | Page 2 of 9 Pages | 87.5K | 12.00% | — | 87.5K | — | 87.5K | PN | Delaware | 2017-09-22 | ↗ |
| 6 | Siena Capital Partners I, L.P. | 87.4K | 5.20% | — | 87.4K | — | 87.4K | PN | Delaware | 2019-02-06 | ↗ |
| 7 | Page 3 of 9 Pages | 1.8K | 12.00% | — | 1.8K | — | 1.8K | PN | Delaware | 2017-09-22 | ↗ |
| 8 | Siena Capital Partners Accredited, L.P. | 1.8K | 0.10% | — | 1.8K | — | 1.8K | PN | Delaware | 2019-02-06 | ↗ |
Institutional Activity (13F)
Institutional ownership trend
From
To
13F snapshot — 2025 Q4
Investors holding
1
+0 vs prev Q
New positions
0
Closed positions
0
Increased
0
Reduced
0
Put/Call ratio
0.00
Calls held
—
Puts held
—
Top institutional holders
| # | Investor | Shares / Δ | Mkt value / Δ | Own% / Δ | Weight% / Δ | Avg px / Perf. | Hold / Status |
|---|---|---|---|---|---|---|---|
| 1 | SIENA CAPITAL PARTNERS GP, LLC | 68.9K +— (+0.0%) | 1.17M +27.6K (+2.4%) | 2.19% +0.000 pp | 0.31% -0.013 pp | USD15.03 +14.6% | 29 qtrs — |
Ownership breakdown by holder
ETF Ownership
Top ETFs holding this stock
This company is not held by any ETF in our universe.
Insider Activity
Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Buys
2
Sells
0
Shares acquired
7.7K
Shares disposed
—
Cash buys
1.00
Cash sales
—
Net activity
+7,655
Insider buys vs sells (history)
From
To
Recent insider transactions
From
To
| Date | Person | Role | Transaction | A/D | Security | Shares | Price | Value | Owned after | D/I | Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026-01-21 | Luciani Barry | Officer | A-Award | A | Common Stock | 1,200 | 0.00 | — | 1,416 | D | ↗ |
| 2026-01-08 | Smack Teresa L. | Director | A-Award | A | FMFG | 827 | 17.02 | 14.1K | 8,378 | D | ↗ |
| 2026-01-08 | Schindler Bruce L. | Director | A-Award | A | FMFG | 2,287 | 17.02 | 38.9K | 105,066 | D | ↗ |
| 2026-01-08 | Pollokoff Robert G | Director | A-Award | A | FMFG | 823 | 17.02 | 14.0K | 2,282 | D | ↗ |
| 2026-01-08 | Miller Emily Bollinger | Director | A-Award | A | FMFG | 910 | 17.02 | 15.5K | 2,886 | D | ↗ |
| 2026-01-08 | Krebs Mark C. | Other | A-Award | A | FMFG | 265 | 17.02 | 4.5K | 7,701 | D | ↗ |
| 2026-01-08 | Hux Ronald W. | Director | A-Award | A | FMFG | 800 | 17.02 | 13.6K | 39,208 | D | ↗ |
| 2025-12-15 | RENBAUM BARRY J. | 10% Owner | J-Other | A | Common Stock | 6,905 | 16.66 | 115.0K | 328,377 | D | ↗ |
| 2025-11-25 | Miller Emily Bollinger | Director | P-Purchase | A | FMFG | 750 | 16.00 | 12.0K | 1,941 | D | ↗ |
| 2025-07-25 | RENBAUM CAROL ELLEN | 10% Owner | J-Other | A | Common Stock | 6,853 | 16.43 | 112.6K | 321,472 | D | ↗ |
| 2025-07-25 | RENBAUM BARRY J. | 10% Owner | I-Discretionary | A | Common Stock | 6,853 | 16.43 | 112.6K | 321,472 | D | ↗ |
| 2025-04-29 | Susie Paul B. | Officer | — | — | Common Stock | 0 | 0.00 | — | 0 | D | ↗ |
| 2025-04-29 | Luciani Barry | Officer | — | — | Common Stock | 0 | 0.00 | — | 1,416 | D | ↗ |
| 2025-01-23 | Smack Teresa L. | Director | A-Award | A | Common Stock | 841 | 0.00 | — | 7,276 | D | ↗ |
| 2025-01-23 | Schindler Bruce L. | Director | A-Award | A | FMFG | 2,286 | 0.00 | — | 98,472 | D | ↗ |
| 2025-01-23 | Pollokoff Robert G | Director | A-Award | A | FMFG | 1,373 | 0.00 | — | 1,399 | D | ↗ |
| 2025-01-23 | Miller Emily Bollinger | Director | A-Award | A | Common Stock | 872 | 0.00 | — | 1,172 | D | ↗ |
| 2025-01-23 | Mekulski Joseph Lawrence | Director | A-Award | A | FMFG | 1,356 | 0.00 | — | 2,866 | D | ↗ |
| 2025-01-23 | Krebs Mark C. | Officer | A-Award | A | Common Stock | 125 | 0.00 | — | 7,124 | D | ↗ |
| 2025-01-23 | Harris Gary A | Director / Officer | A-Award | A | Common Stock | 100 | 0.00 | — | 3,357 | D | ↗ |
| 2024-12-31 | Wooden Paul F. Jr. | Director | G-Gift | D | Common Stock | 2,926 | 0.00 | — | 47,275 | D | ↗ |
| 2024-12-12 | Cassell Roger D. | Director | P-Purchase | A | Common Stock | 500 | 15.25 | 7.6K | 2,566 | D | ↗ |
| 2024-11-20 | Hux Ronald W. | Director | P-Purchase | A | Common Stock | 10,000 | 14.65 | 146.5K | 36,334 | D | ↗ |
| 2024-08-08 | Krebs Mark C. | Officer | P-Purchase | A | Common Stock | 500 | 16.00 | 8.0K | 6,923 | — | ↗ |
| 2024-08-06 | Krebs Mark C. | Officer | P-Purchase | A | Common Stock | 500 | 15.97 | 8.0K | 6,423 | — | ↗ |
| 2024-08-05 | Krebs Mark C. | Officer | P-Purchase | A | Common Stock | 126 | 16.00 | 2.0K | 5,549 | — | ↗ |
| 2024-08-02 | Krebs Mark C. | Officer | P-Purchase | A | Common Stock | 500 | 16.00 | 8.0K | 5,423 | — | ↗ |
| 2024-06-12 | Mekulski Joseph Lawrence | Director | P-Purchase | A | Common Stock | 100 | 14.50 | 1.5K | 1,507 | — | ↗ |
| 2024-06-04 | Miller Emily Bollinger | Director | P-Purchase | A | Common Stock | 100 | 16.00 | 1.6K | 300 | — | ↗ |
| 2024-01-23 | Krebs Mark C. | Officer | A-Award | A | Common Stock | 125 | 0.00 | — | 7,124 | D | ↗ |
| 2023-12-13 | Cassell Roger D. | Director | G-Gift | D | Common Stock | 3,443 | 0.00 | — | 2,066 | — | ↗ |
| 2023-11-15 | Cassell Roger D. | Director | S-Sale | D | Common Stock | 1 | 17.70 | 10.85 | 5,509 | — | ↗ |
| 2023-11-03 | Wooden Paul F. Jr. | Director | S-Sale | D | Common Stock | 5,000 | 20.00 | 100.0K | 47,064 | — | ↗ |
| 2023-10-25 | Eline Steven W. | Director | P-Purchase | A | Common Stock | 1,000 | 18.15 | 18.2K | 23,699 | — | ↗ |
| 2023-10-24 | Harris Gary A | Director / Officer | A-Award | A | Common Stock | 3,000 | 0.00 | — | 5,100 | — | ↗ |
| 2023-10-04 | Smack Teresa L. | Director | P-Purchase | A | Common Stock | 5,000 | 18.30 | 91.5K | 5,980 | — | ↗ |
| 2023-09-22 | Harris Gary A | Director / Officer | A-Award | A | Common Stock | 2,000 | 0.00 | — | 2,100 | — | ↗ |
| 2023-09-07 | Pollokoff Robert G | Director | P-Purchase | A | Common Stock | 26 | 19.50 | 507.00 | 26 | — | ↗ |
| 2023-08-29 | Pollokoff Robert G | Director | — | D | Common Stock | 0 | 0.00 | — | 0 | — | ↗ |
| 2023-08-29 | Eline Steven W. | Director | P-Purchase | A | Common Stock | 140 | 19.98 | 2.8K | 22,699 | — | ↗ |
| 2023-08-24 | Miller Emily Bollinger | Director | P-Purchase | A | Common Stock | 100 | 20.00 | 2.0K | 200 | — | ↗ |
| 2023-08-15 | Miller Emily Bollinger | Director | — | D | Common Stock | 0 | 0.00 | — | 0 | — | ↗ |
| 2023-06-08 | Smack Teresa L. | Director | P-Purchase | A | Common Stock | 115 | 25.00 | 2.9K | 1,094 | — | ↗ |
| 2023-05-16 | Cassell Roger D. | Director | G-Gift | A | Common Stock | 100 | 0.00 | — | 12,042 | — | ↗ |
| 2023-02-22 | Wooden Paul F. Jr. | Director | G-Gift | D | Common Stock | 2,079 | 0.00 | — | 52,064 | — | ↗ |
| 2022-12-31 | Cassell Roger D. | Director | — | I | Common Stock | 0 | 0.00 | — | 6,428 | — | ↗ |
| 2022-07-18 | Harris Gary A | Officer | — | D | Common Stock | 0 | 0.00 | — | 100 | — | ↗ |
| 2022-03-01 | Wooden Paul F. Jr. | Director | G-Gift | D | Common Stock | 2,245 | 0.00 | — | 51,684 | — | ↗ |
| 2021-12-21 | Wooden Paul F. Jr. | Director | P-Purchase | A | Common Stock | 500 | 23.50 | 11.8K | 53,929 | — | ↗ |
| 2021-11-08 | Wooden Paul F. Jr. | Director | P-Purchase | A | Common Stock | 1,192 | 22.25 | 26.5K | 52,734 | — | ↗ |
| 2021-04-14 | Smack Teresa L. | Director | P-Purchase | A | Common Stock | 875 | 19.94 | 17.4K | 973 | — | ↗ |
| 2020-12-30 | Schuster John J. Jr. | Director | P-Purchase | A | Common Stock | 500 | 13.25 | 6.6K | 16,451 | — | ↗ |
| 2020-12-29 | Krebs Mark C. | Officer | P-Purchase | A | Common Stock | 500 | 13.25 | 6.6K | 4,578 | — | ↗ |
| 2020-12-22 | Eline Steven W. | Director | P-Purchase | A | Common Stock | 500 | 13.20 | 6.6K | 21,099 | — | ↗ |
| 2020-12-15 | Eline Steven W. | Director | P-Purchase | A | Common Stock | 410 | 13.17 | 5.4K | 20,206 | — | ↗ |
| 2020-12-04 | Krebs Mark C. | Officer | P-Purchase | A | Common Stock | 500 | 13.10 | 6.6K | 4,019 | — | ↗ |
| 2020-12-03 | Eline Steven W. | Director | P-Purchase | A | Common Stock | 500 | 13.10 | 6.6K | 19,796 | — | ↗ |
| 2020-03-24 | Eline Steven W. | Director | P-Purchase | A | Common Stock | 100 | 13.00 | 1.3K | 18,488 | — | ↗ |
| 2020-03-17 | Primm Louna S | Director | P-Purchase | A | Common Stock | 1,000 | 15.43 | 15.4K | 1,091 | — | ↗ |
| 2020-02-05 | Cassell Roger D. | Director | S-Sale | D | Common Stock | 0 | 18.40 | 4.82 | 6,585 | — | ↗ |
| 2019-11-07 | Mekulski Joseph Lawrence | Director | P-Purchase | A | Common Stock | 100 | 17.50 | 1.8K | 1,583 | — | ↗ |
| 2019-11-06 | Mekulski Joseph Lawrence | Director | P-Purchase | A | Common Stock | 100 | 18.50 | 1.9K | 1,483 | — | ↗ |
| 2019-09-25 | Wooden Paul F. Jr. | Director | S-Sale | D | Common Stock | 1,000 | 30.40 | 30.4K | 28,524 | — | ↗ |
| 2019-09-25 | Schindler Bruce L. | Director | P-Purchase | A | Common Stock | 1,000 | 30.40 | 30.4K | 45,342 | — | ↗ |
| 2019-04-02 | Wooden Paul F. Jr. | Director | S-Sale | D | Common Stock | 3,000 | 30.25 | 90.8K | 28,101 | — | ↗ |
| 2019-04-02 | Hux Ronald W. | Director | P-Purchase | A | Common Stock | 661 | 30.25 | 20.0K | 12,538 | — | ↗ |
| 2019-04-02 | Halle Edward A. Jr. | Director | P-Purchase | A | Common Stock | 389 | 30.25 | 11.8K | 18,515 | — | ↗ |
| 2018-12-31 | Cassell Roger D. | Director | — | I | Common Stock | 0 | 0.00 | — | 3,236 | — | ↗ |
| 2018-05-17 | Primm Louna S | Director | — | D | Common Stock | 0 | 0.00 | — | 50 | — | ↗ |
| 2018-05-09 | Mekulski Joseph Lawrence | Director | P-Purchase | A | Common Stock | 100 | 31.20 | 3.1K | 690 | — | ↗ |
| 2018-03-06 | Primm Louna S | Director | — | D | Common Stock | 0 | 0.00 | — | 50 | — | ↗ |
| 2018-03-06 | Cassell Roger D. | Director | — | I | Common Stock | 0 | 0.00 | — | 205 | — | ↗ |
| 2018-02-27 | Wooden Paul F. Jr. | Director | W-Will | A | Common Stock | 249 | 0.00 | — | 30,257 | — | ↗ |
| 2018-01-02 | Schindler Bruce L. | Director | P-Purchase | A | Common Stock | 278 | 28.80 | 8.0K | 42,499 | — | ↗ |
| 2017-11-30 | Schindler Bruce L. | Director | P-Purchase | A | Common Stock | 350 | 28.80 | 10.1K | 42,221 | — | ↗ |
| 2017-11-20 | Mekulski Joseph Lawrence | Director | P-Purchase | A | Common Stock | 50 | 28.70 | 1.4K | 590 | — | ↗ |
| 2017-08-03 | Hoffmeyer Kenneth W. | Director | P-Purchase | A | Common Stock | 420 | 27.75 | 11.6K | 2,997 | — | ↗ |
| 2017-06-02 | Hux Ronald W. | Director | P-Purchase | A | Common Stock | 1,000 | 27.50 | 27.5K | 11,235 | — | ↗ |
| 2017-05-08 | Wooden Paul F. Jr. | Director | — | D | Common Stock | 0 | 0.00 | — | 29,172 | — | ↗ |
| 2017-05-08 | Smack Teresa L. | Director | — | D | Common Stock | 0 | 0.00 | — | 50 | — | ↗ |
| 2017-05-08 | Schuster John J. Jr. | Director | — | D | Common Stock | 0 | 0.00 | — | 7,057 | — | ↗ |
| 2017-05-08 | Schindler Bruce L. | Director | — | D | Common Stock | 0 | 0.00 | — | 40,701 | — | ↗ |
| 2017-05-08 | Oswald Christopher T. | Officer | — | D | Common Stock | 0 | 0.00 | — | 393 | — | ↗ |
| 2017-05-08 | Mekulski Joseph Lawrence | Director | — | D | Common Stock | 0 | 0.00 | — | 540 | — | ↗ |
| 2017-05-08 | Lippy Thomas Edward | Director | — | I | Common Stock | 0 | 0.00 | — | 5,938 | — | ↗ |
| 2017-05-08 | Krebs Mark C. | Officer | — | D | Common Stock | 0 | 0.00 | — | 1,852 | — | ↗ |
| 2017-05-08 | Hux Ronald W. | Director | — | D | Common Stock | 0 | 0.00 | — | 10,235 | — | ↗ |
| 2017-05-08 | Hoffmeyer Kenneth W. | — | — | D | Common Stock | 0 | 0.00 | — | 2,577 | — | ↗ |
| 2017-05-08 | Halle Edward A. Jr. | Director | — | D | Common Stock | 0 | 0.00 | — | 6,097 | — | ↗ |
| 2017-05-08 | Eline Steven W. | Director | — | D | Common Stock | 0 | 0.00 | — | 9,764 | — | ↗ |
| 2017-05-08 | Cassell Roger D. | Director | — | I | Common Stock | 0 | 0.00 | — | 204 | — | ↗ |
| 2017-05-08 | Bosley James R. Jr. | Director / Officer | — | D | Common Stock | 0 | 0.00 | — | 6,292 | — | ↗ |
| 2017-05-04 | Krebs Mark C. | Officer | — | D | Common Stock | 0 | 0.00 | — | 1,852 | — | ↗ |
| 2002-11-27 | Eline Steven W. | Director | P-Purchase | A | Common Stock | 350 | 13.00 | 4.6K | 19,196 | — | ↗ |
Executive team
Top executives
EBIT / Employee
77.6K
Shares Outstanding
3.24M
Executive compensation
Executive compensation (annual)
| # | Year | Executive | Salary | Bonus | Stock award | Option award | Incentive | Other | Total | % Stock- based |
Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2025 | Gary A. Harris, President | 322.9K | — | — | — | — | — | 322.9K | 0.00% | ↗ |
| 2 | 2025 | Paul B. Susie, EVP & CFO | 196.9K | — | — | — | — | — | 196.9K | 0.00% | ↗ |
| 3 | 2025 | Barry Luciani, EVP | 177.8K | — | — | — | — | — | 177.8K | 0.00% | ↗ |
| 4 | 2025 | Mark C. Krebs, former EVP/CFO | 120.7K | — | — | — | — | — | 120.7K | 0.00% | ↗ |
| 5 | 2023 | Gary A. Harris, President | 300.0K | — | 92.7K | — | 71.8K | 123.7K | 588.1K | 15.76% | ↗ |
| 6 | 2023 | Christopher T. Oswald, EVP/COO | 209.1K | — | — | — | 41.7K | 79.2K | 330.0K | 0.00% | ↗ |
| 7 | 2023 | Mark C. Krebs, EVP/CFO | 214.4K | — | — | — | 41.7K | 47.6K | 303.8K | 0.00% | ↗ |
| 8 | 2022 | James R. Bosley, Jr. CEO | 287.0K | — | — | — | 117.9K | 21.4K | 426.3K | 0.00% | ↗ |
| 9 | 2022 | Gary A. Harris President | 235.6K | — | — | — | 123.2K | 62.7K | 421.5K | 0.00% | ↗ |
| 10 | 2022 | Gary A. Harris, President | 235.6K | — | — | — | 117.8K | 62.7K | 416.1K | 0.00% | ↗ |
| 11 | 2022 | Christopher T. Oswald EVP/COO | 202.1K | — | — | — | 68.7K | 100.7K | 371.4K | 0.00% | ↗ |
| 12 | 2022 | Christopher T. Oswald, EVP/COO | 202.1K | — | — | — | 68.6K | 100.7K | 371.4K | 0.00% | ↗ |
| 13 | 2022 | Mark C. Krebs, EVP/CFO | 207.2K | — | — | — | 68.6K | 48.2K | 324.1K | 0.00% | ↗ |
| 14 | 2021 | James R. Bosley, Jr. CEO | 278.0K | — | — | — | 73.5K | 20.6K | 372.0K | 0.00% | ↗ |
| 15 | 2021 | Christopher T. Oswald EVP/COO | 195.7K | — | — | — | 42.6K | 84.8K | 323.1K | 0.00% | ↗ |
| 16 | 2021 | Gary A. Harris President | 186.2K | — | — | — | 93.2K | 12.0K | 291.4K | 0.00% | ↗ |
| 17 | 2017 | James R. Bosley, Jr. President and CEO | 244.0K | — | — | — | 48.6K | 146.8K | 439.4K | 0.00% | ↗ |
| 18 | 2017 | Christopher T. Oswald EVP/COO | 171.8K | — | — | — | 28.2K | 67.8K | 267.7K | 0.00% | ↗ |
| 19 | 2017 | Mark C. Krebs EVP/CFO | 176.1K | — | — | — | 28.2K | 31.1K | 235.4K | 0.00% | ↗ |
| 20 | 2016 | James R. Bosley, Jr. President and CEO | 235.8K | — | — | — | 60.9K | 159.3K | 455.9K | 0.00% | ↗ |
| 21 | 2016 | Christopher T. Oswald EVP/COO | 162.7K | — | — | — | 35.3K | 71.7K | 269.7K | 0.00% | ↗ |
| 22 | 2016 | Mark C. Krebs EVP/CFO | 170.2K | — | — | — | 35.3K | 29.4K | 234.9K | 0.00% | ↗ |
CEO compensation breakdown
Proxy statements
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Gary A. Harris | President, Chief Executive Officer & Director | 503.9K | male |
| Paul Susie | Executive Vice President, Chief Financial Officer & Treasurer | 231.8K | male |
| Barry Luciani | Executive Vice President & Chief Retail Banking Officer | 223.6K | male |
| Cherie R. Barrett | Vice President & Corporate Secretary | — | — |
| Robert S. Glushakow | General Counsel | — | — |
ESG Rating
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
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Community Opinion for FMFG
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
