Farmers & Merchants Bancorp, Inc. (FMAO)

FMAO Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	31.9	25.94	22.79	32.52	23.5	20.1
Depreciation & Amortization	6.69	6.37	5.77	4.02	4.99	4.3
Other Amortization	0.12	0.12	0.12	0.12	0.05	-
Gain (Loss) on Sale of Assets	0.02	-0.07	0.14	-0.26	0.43	0.01
Gain (Loss) on Sale of Investments	0.23	1.03	2.35	2.09	1.91	1.02
Total Asset Writedown	-2.43	-2.67	-3.57	-4.53	-1.23	0.46
Provision for Credit Losses	1.75	0.27	1.74	4.6	3.44	6.98
Net Decrease (Increase) in Loans Originated / Sold - Operating	-1.02	-1.49	-0.05	8.24	3.92	0.53
Change in Other Net Operating Assets	-9.93	3.78	-6.59	-4.73	4.59	-0.57
Other Operating Activities	-1.76	-1.48	-1.32	-1.06	-3.86	-2.48
Operating Cash Flow	25.92	32.47	22.15	40.67	34.74	27.38
Operating Cash Flow Growth	-35.91%	46.64%	-45.55%	17.06%	26.88%	14.42%
Capital Expenditures	-2.31	-1.87	-10.93	-2.6	-1.97	-3.22
Cash Acquisitions	-	-	-	9.07	-12.59	-
Investment in Securities	-11.14	-65.9	34.29	-2.46	-85.48	-81.06
Net Decrease (Increase) in Loans Originated / Sold - Investing	-120.5	21.17	-219.33	-395.61	-167.87	-84.35
Other Investing Activities	4.56	2.24	1.88	1.69	2.21	-9.09
Investing Cash Flow	-129.39	-44.36	-194.09	-389.9	-265.69	-177.72
Short-Term Debt Issued	-	-	-	-	40	-
Long-Term Debt Issued	-	15	324	164.94	34.42	-
Total Debt Issued	-	15	324	164.94	74.42	-
Short-Term Debt Repaid	-	-	-10	-30	-	-
Long-Term Debt Repaid	-	-35.68	-211.65	-37.39	-1.13	-25.33
Total Debt Repaid	-79.76	-35.68	-221.65	-67.39	-1.13	-25.33
Net Debt Issued (Repaid)	-79.76	-20.68	102.35	97.54	73.29	-25.33
Repurchase of Common Stock	-0.36	-0.66	-0.22	-0.31	-0.34	-0.38
Common Dividends Paid	-11.99	-11.92	-11.34	-10.28	-7.67	-7.19
Net Increase (Decrease) in Deposit Accounts	67.1	79.3	138.94	165.86	170.79	307.65
Financing Cash Flow	-25.01	46.04	229.73	252.82	236.07	274.75
Net Cash Flow	-128.47	34.15	57.79	-96.41	5.12	124.41
Free Cash Flow	23.61	30.6	11.22	38.07	32.78	24.16
Free Cash Flow Growth	-36.81%	172.83%	-70.53%	16.15%	35.66%	18.31%
Free Cash Flow Margin	20.70%	30.24%	11.72%	38.96%	39.18%	34.94%
Free Cash Flow Per Share	1.76	2.28	0.83	2.91	2.83	2.18
Cash Interest Paid	72.25	76.5	55.12	13.75	7.05	10.09
Cash Income Tax Paid	7.89	3.1	5.42	7.7	6.15	6.47

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q