Farmers & Merchants Bancorp (FMAO) vs HomeTrust Bancshares (HTB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Farmers & Merchants Bancorp (FMAO) has outperformed HomeTrust Bancshares (HTB) over the past year, gaining 40.2% versus a gain of 15.8%. Over five years, HTB leads with a +59.4% price change compared with +48.3% for FMAO. HomeTrust Bancshares is the larger company by market cap ($758.3 million vs $476.7 million), about 1.6 times the size.
On valuation, HomeTrust Bancshares trades at a lower forward P/E (10.4x vs 10.6x for Farmers & Merchants Bancorp). Farmers & Merchants Bancorp offers the higher dividend yield (2.65% vs 1.16%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FMAO | HTB |
|---|---|---|
| Share price | $34.61 | $45.87 |
| Market cap | $476.69M | $758.32M |
| 1-day change | -1.28% | -1.22% |
| YTD return | +42.84% | +8.13% |
| 1-year return | +40.23% | +15.79% |
| 5-year return | +48.30% | +59.44% |
| P/E ratio (TTM) | 11.89 | 12.04 |
| Forward P/E | 10.58 | 10.42 |
| EPS (TTM) | $2.91 | $3.81 |
| Dividend yield | 2.65% | 1.16% |
| Annual dividend | $0.918 | $0.53 |
| 52-week high | $36.12 | $52.50 |
| 52-week low | $22.77 | $38.30 |
| Distance from 52-week high | -4.18% | -12.64% |
| Analyst consensus | none | buy |
| Avg. price target upside | +4.02% | +20.46% |
| Average volume | 63.82K | 192.26K |
| Shares outstanding | 13.77M | 16.53M |
| Employees | 477 | 585 |
| Sector | Finance | Finance |
| Industry | Savings Institutions | Savings Institutions |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- FMAO has outperformed HTB by 24.4 percentage points over the past year.
- Farmers & Merchants Bancorp offers a meaningfully higher dividend yield (2.65% vs 1.16%).
About Farmers & Merchants Bancorp
FMAO stock →Farmers & Merchants Bancorp, Inc. operates as the bank holding company for The Farmers & Merchants State Bank that provides commercial banking services to individuals and small businesses in Northwest Ohio, Northeast Indiana, and Southeast Michigan.
Finance · Savings Institutions · 477 employees
About HomeTrust Bancshares
HTB stock →HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services in the United States.
Finance · Savings Institutions · 585 employees
FMAO vs HTB FAQ
Which is bigger, Farmers & Merchants Bancorp or HomeTrust Bancshares?
HomeTrust Bancshares (HTB) is larger, with a market capitalization of $758.32M compared with $476.69M for Farmers & Merchants Bancorp (FMAO).
Which stock has performed better over the past year, FMAO or HTB?
FMAO returned +40.23% over the past 12 months, compared with +15.79% for HTB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FMAO or HTB?
FMAO has the lower trailing P/E at 11.9, versus 12.0 for HTB. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Farmers & Merchants Bancorp or HomeTrust Bancshares?
Farmers & Merchants Bancorp has the higher yield at 2.65%, compared with 1.16% for HomeTrust Bancshares.
Are Farmers & Merchants Bancorp and HomeTrust Bancshares in the same industry?
Yes. Both are classified in the Savings Institutions industry within the Finance sector.