OTC · Banks - Regional

F & M Bank Corp. (FMBM) Stock

$39.89 +0.00% OTC: FMBM Financial Services

F & M Bank Corp. operates as the bank holding company for Farmers & Merchants Bank that provides financial products and services to consumers and businesses in Virginia.

Valuation

MetricValue
Price$39.89
Market Cap$141.97M
P/E Ratio11.84
P/B Ratio1.33
P/S Ratio1.83
EPS (TTM)$3.37
52-Week High$39.99
52-Week Low$21.80
Dividend Yield2.61%

Financials & Margins

MetricValue
ROE11.77%
ROA0.85%
ROCE0.99%
Gross Margin66.38%
Operating Margin18.09%
Net Margin15.49%
Debt/Equity0.10
Current Ratio220.07

Annual Financials (USD)

Metric20212022202320242025
Revenue$47.0M$53.0M$66.0M$75.0M$79.0M
Operating Profit$12.0M$9.0M$2.0M$8.0M$13.0M
Net Profit$11.0M$8.0M$3.0M$7.0M$11.0M
EPS$3.12$2.41$0.80$2.07$3.16
Op Margin25.9%16.6%3.1%10.6%16.4%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.2B$1.2B$1.3B$1.3B$1.4B
Total Liabilities$1.1B$1.2B$1.2B$1.2B$1.3B
Cash$11.0M$19.0M$20.0M$19.0M$19.0M
Borrowings$22.0M$77.0M$67.0M$7.0M$11.0M

Latest News

F&M Bank Corp. Uses After-Tax Gain to Restructure Bond Portfolio ACCESS Newswire · Jul 10, 2026 F&M Bank Corp. Records Boost to Net Income With After-Tax Gain of $3.8 Million ACCESS Newswire · May 4, 2026 F&M Bank Corp. Reports First Quarter 2026 Earnings and Quarterly Dividend ACCESS Newswire · Apr 28, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$21.0M$18.0M$2.0M$7.0M$17.0M
Investing Cash Flow$-244.0M$-129.0M$-56.0M$27.0M$-55.0M
Financing Cash Flow$247.0M$3.0M$50.0M$62.0M$50.0M
Net Cash Flow$10.0M$-53.0M$-11.0M$33.0M$12.0M
Free Cash Flow$21.0M$14.0M$-3.0M$7.0M$16.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.31
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y88.93%
Return 3Y119.52%
Return 5Y—

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BORTBank of Botetourt $53.30 +0.00% 9.24 $105.18M 1.88%
CFFIC&F Financial Corporation $101.39 -0.12% 10.96 $329.96M 1.95%
CPKFChesapeake Financial Shares, Inc. $37.78 +0.00% 8.95 $177.67M 1.91%
CZBTCitizens Bancorp of Virginia, Inc. $42.00 +1.50% 8.35 $88.54M 2.86%
FBPAThe Farmers Bank of Appomattox $30.18 +0.00% 9.96 $32.72M 4.31%

About F & M Bank Corp.

F & M Bank Corp. operates as the bank holding company for Farmers & Merchants Bank that provides financial products and services to consumers and businesses in Virginia. The company offers commercial and individual demand and time deposit accounts, savings accounts, money market accounts, internet and mobile banking services, and drive-in banking services. It provides construction loans, including residential, and land acquisition and development loans; commercial real estate loans; business loans; consumer loans, such as personal loans, automobile loans, deposit account loans, installment and demand loans, and home equity loans; residential mortgage loans; credit cards; dealer finance; farmland loans; multi-family loans; and commercial and industrial loans. In addition, the company offers brokerage services and commercial and personal insurance products. Further, it originates conventional and government agency sponsored mortgages; and offers title insurance and real estate settlement services. The company was founded in 1908 and is headquartered in Timberville, Virginia.

F & M Bank Corp. is headquartered in US.

F & M Bank Corp. (FMBM) stock trades at $39.89 with a market capitalization of $141.97M. The stock is valued at a price-to-earnings (P/E) ratio of 11.84, price-to-book of 1.33, price-to-sales of 1.83. Over the past 52 weeks the stock has ranged between $21.80 and $39.99, and currently trades at its 52-week high. It pays a dividend yielding 2.61%.

On profitability, F & M Bank Corp. generates a return on equity (ROE) of 11.77%, return on capital employed of 0.99%, an operating margin of 18.09%, a net profit margin of 15.49%.

Official website: www.fmbankva.com

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