FMBMOTCState Commercial BanksFiscal year ends December 31
F&M BANK CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 13, 2026
$40.85+0.00 (0.00%)
Close on Oct 19, 2026
- Market cap
- $146.43B
- P/E (TTM)
- 10.1
- Dividend yield
- 2.55%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
21.3%+0.8 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +17.9% | +4.5% | +4.0% | +5.3% | |
| Net income | +54.1% | +10.5% | +4.8% | +2.9% | |
| EPS, diluted | +52.7% | +9.5% | +4.3% | +3.5% | |
| Free cash flow | +130.3% | +4.2% | +70.2% | +7.1% | |
| Dividend per share | 0.0% | 0.0% | 0.0% | +3.6% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 11.3% | 9.5% | 11.8% | |
| Return on assets | 1.4% | 1.0% | 0.8% | |
| Debt to equity | 1.20 | 0.35 | – | |
| Capex to revenue | 10.4% | 1.7% | 1.4% | |
| Diluted shares | 4M | 3M | 4M |
Where the cash went
Fiscal 2021 to 2025, five years combined
F&M Bank generated $64.65M from operations and spent $18.41M on capital expenditure, dividends and share buybacks. 58% of that went back into the business.
Generated
$64.65M
Used
$18.41M
Capital expenditure$10.66M58%Dividends$7.34M40%Share buybacks$402.00K2%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin21.3%
×Asset turnover0.04×
×Equity multiplier14.11×
=Return on equity, FY202511.8%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 21.3% | 0.04× | 14.11× | 11.8% |
| FY2024 | 16.3% | 0.03× | 15.85× | 8.9% |
| FY2023 | 6.6% | 0.03× | 17.04× | 3.7% |
| FY2022 | 18.0% | 0.04× | 14.40× | 9.7% |
| FY2021 | 25.2% | 0.04× | 11.15× | 11.0% |
| FY2020 | 20.6% | 0.05× | 9.51× | 9.5% |
| FY2019 | 11.2% | 0.05× | 8.71× | 5.1% |
| FY2018 | 22.3% | 0.05× | 8.40× | 9.7% |
| FY2017 | 23.7% | 0.05× | 8.43× | 10.1% |
| FY2016 | 28.0% | 0.05× | 8.31× | 11.3% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$11.23M
- Cash generatingOperating cash flow above zero$16.50M
- Return on assets improvedROA up on the prior year0.6% → 0.9%
- Earnings backed by cashOperating cash flow above net income$16.50M vs $11.23M
- Less leverageLong-term debt to assets fell0.5% → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise4M → 4M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.04