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%
F&M Bank statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | F&M Bank | Industry median |
|---|---|---|
| Market Cap | $146.52M | $679.86M |
| Enterprise Value | $85.76M | $408.94M |
| PE Ratio | 10.11 | 11.99 |
| PS Ratio | 2.50 | 3.59 |
| PB Ratio | 1.31 | 1.18 |
| P/TBV Ratio | 1.34 | 1.41 |
| P/FCF Ratio | 7.95 | 10.89 |
| P/OCF Ratio | 7.44 | 10.01 |
Enterprise value
| Measure | F&M Bank | Industry median |
|---|---|---|
| EV / Sales | 1.46 | 2.76 |
| EV / FCF | 4.65 | 8.23 |
Income (trailing twelve months)
| Measure | F&M Bank | Industry median |
|---|---|---|
| Revenue | $58.61M | $170.85M |
| Pretax Income | $16.87M | $70.12M |
| Net Income | $14.41M | $54.33M |
| EPS (Diluted) | $4.04 | $2.91 |
Margins
| Measure | F&M Bank | Industry median |
|---|---|---|
| Pretax Margin | 28.8% | 36.5% |
| Profit Margin | 24.6% | 29.1% |
| FCF Margin | 31.4% | 33.2% |
Returns
| Measure | F&M Bank | Industry median |
|---|---|---|
| Return on Equity (ROE) | 14.0% | 10.6% |
| Return on Assets (ROA) | 1.06% | 1.12% |
Growth
| Measure | F&M Bank | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 20.5% | 11.8% |
| Net Income Growth (YoY) | 70.0% | 23.2% |
| EPS Growth (YoY) | 68.3% | 23.1% |
| FCF Growth (YoY) | 56.5% | 28.5% |
| Revenue Growth (3Y CAGR) | 4.49% | 5.82% |
| Revenue Growth (5Y CAGR) | 4.02% | 6.17% |
| EPS Growth (3Y CAGR) | 9.45% | 1.31% |
| EPS Growth (5Y CAGR) | 4.30% | 8.24% |
Balance sheet
| Measure | F&M Bank | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $60.75M | $205.54M |
| Net Cash (Debt) | $60.75M | $164.40M |
| Net Cash Per Share | $16.94 | $8.13 |
| Equity (Book Value) | $112.11M | $563.88M |
| Book Value Per Share | $31.26 | $28.47 |
| Tangible Book Value | $109.03M | $475.36M |
Cash flow (trailing twelve months)
| Measure | F&M Bank | Industry median |
|---|---|---|
| Operating Cash Flow | $19.69M | $61.52M |
| Capital Expenditures | -$1.26M | -$4.08M |
| Free Cash Flow | $18.43M | $52.15M |
| FCF Per Share | $5.14 | $3.05 |
Efficiency
| Measure | F&M Bank | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $338.76K | $353.78K |
| Profits Per Employee | $83.28K | $107.28K |
| Employee Count | 173 | 489 |
Dividends and yields
| Measure | F&M Bank | Industry median |
|---|---|---|
| Earnings Yield | 9.83% | 8.13% |
| FCF Yield | 12.6% | 8.91% |
| Dividend Yield | 2.55% | 2.48% |
| Buyback Yield | -0.17% | 1.55% |
| Shareholder Yield | 2.38% | 3.13% |
| Dividend Per Share | $1.04 | $0.93 |
| Dividend Growth (YoY) | 0.00% | 4.26% |
| Years of Dividend Growth | 0 | 2 |
| Payout Ratio | 25.7% | 29.3% |
| FCF Payout Ratio | 20.1% | 26.0% |
Shares
| Measure | F&M Bank | Industry median |
|---|---|---|
| Shares Outstanding | 3,586,730 | 18,839,100 |
| Shares Change (YoY) | 0.70% | 0.40% |
| Shares Change (QoQ) | -0.90% | 0.00% |
| Float | 3,188,110 | 17,061,900 |
| Shares Held by Insiders | 11.1% | 5.89% |
| Shares Held by Institutions | 4.73% | 61.9% |
Taxes
| Measure | F&M Bank | Industry median |
|---|---|---|
| Income Tax | $2.46M | $14.50M |
| Effective Tax Rate | 14.6% | 21.1% |
Scores
| Measure | F&M Bank | Industry median |
|---|---|---|
| Graham Number | $53.30 | $45.31 |
| Graham Upside | 30.5% | 21.9% |
| Altman Z-Score | 0.21 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from F&M Bank's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.