Farmers & Merchants Bancorp (NASDAQ:FMAO) versus Shore Community Bank (OTCMKTS:SHRC) Head-To-Head Survey

Farmers & Merchants Bancorp (NASDAQ:FMAO) and Shore Community Bank (OTCMKTS:SHRC) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, dividends, risk, earnings, profitability and valuation.

Insider & Institutional Ownership

24.0% of Farmers & Merchants Bancorp shares are held by institutional investors. 7.3% of Farmers & Merchants Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Analyst Ratings

This is a summary of recent ratings and price targets for Farmers & Merchants Bancorp and Shore Community Bank, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Farmers & Merchants Bancorp	0	3	1	0	2.25
Shore Community Bank	0	0	0	0	0.00

Farmers & Merchants Bancorp currently has a consensus target price of $30.25, suggesting a potential downside of 0.31%. Given Farmers & Merchants Bancorp’s stronger consensus rating and higher possible upside, research analysts clearly believe Farmers & Merchants Bancorp is more favorable than Shore Community Bank.

Earnings & Valuation

This table compares Farmers & Merchants Bancorp and Shore Community Bank”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Farmers & Merchants Bancorp	$121.83 million	3.43	$33.31 million	$2.61	11.63
Shore Community Bank	N/A	N/A	N/A	N/A	N/A

Farmers & Merchants Bancorp has higher revenue and earnings than Shore Community Bank.

Profitability

This table compares Farmers & Merchants Bancorp and Shore Community Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Farmers & Merchants Bancorp	18.54%	9.85%	1.05%
Shore Community Bank	N/A	N/A	N/A

Summary

Farmers & Merchants Bancorp beats Shore Community Bank on 9 of the 9 factors compared between the two stocks.

About Farmers & Merchants Bancorp

Farmers & Merchants Bancorp, Inc. is a bank holding company, which engages in the provision of commercial banking, retail banking, and financial services. It includes commercial, agricultural, and residential mortgages as well as consumer and credit card lending activities. The firm also offers checking account services, and savings and time deposit services. The company was founded in 1985 and is headquartered in Archbold, OH.

About Shore Community Bank

Shore Community Bank, a state chartered bank, provides banking products and services to businesses and individuals in Ocean County, New Jersey. The company's deposit products include checking accounts, savings accounts, certificates of deposit, individual retirement accounts, money market accounts, visa/mastercard merchant deposit accounts, and payroll/direct deposit accounts. Its loan portfolio comprises personal, home equity, term, and demand loans; lines of credit; letters of credit; commercial mortgages; and construction lending. The company also offers direct deposit and electronic transfer, wire transfer, ACH origination, night depository, tenant rent security, signature guarantee, remote deposit, notary, and automated asset management services; safe deposit boxes, escrow accounts, and debit cards, as well as online and telephone banking services. As of April 28, 2016, it operated five banking offices located in Toms River, Jackson, and Manahawkin, New Jersey. Shore Community Bank was incorporated in 1996 and is headquartered in Toms River, New Jersey.