Q2 FY2026 EarningsFY26 Q2 beat consensus significantly across all key metrics: diluted EPS of $0.86 beat the $0.67 expected by 28.36%, while pre-tax income of $14.77M exceeded the $12.70M consensus. Revenue (Net Interest Income + Noninterest Income) reached $34.35M, a 15.78% beat driven by a NIM expansion to 3.48% (vs. 3.44% expected) and strong noninterest income from loan sales and BOLI restructuring. Asset quality remains robust with net charge-offs at near-zero levels, despite a slight uptick in agricultural nonaccrual loans.
Financial report interval: 2026.03.30 - 2026.06.30
Overview: Farmers & Merchants(FMAO) the Revenue is 28.92 M (+12.47%), Miss estimate;the EBIT is 15.09 M (+45.25%), Beat estimate;the EPS is 0.86 (+53.57%), Beat estimate.
Actual
YoY
Estimate
YoY
Vs estimate
YoY
RevenueMiss expectations
0.03B12.47%
0.03B15.39%
-0.00B2.92%
EBITExceed expectations
0.02B45.25%
0.01B22.28%
+0.00B22.97%
EPSExceed expectations
0.8653.57%
0.673320.24%
+0.186733.33%
Revenue
ActualEstimateUnit: USD
qf
EBIT
ActualEstimateUnit: USD
qf
Net income
ActualEstimateUnit: USD
qf
EPS
ActualEstimateUnit: USD
qf