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F & M Bank Corp. (FMBM)
OTHER OTC:FMBM
US Market
FMBM
F & M Bank
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F & M Bank (FMBM) Ratios

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F & M Bank Ratios

FMBM's free cash flow for Q1 2026 was $0.69. For the 2026 fiscal year, FMBM's free cash flow was decreased by $ and operating cash flow was $0.18. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 220.07 232.66 0.05 0.08 0.36
Quick Ratio
 220.07 232.66 0.05 0.08 0.36
Cash Ratio
 171.37 183.91 0.02 0.06 0.02
Solvency Ratio
 0.01 <0.01 <0.01 <0.01 <0.01
Operating Cash Flow Ratio
 155.94 157.17 <0.01 <0.01 0.02
Short-Term Operating Cash Flow Coverage
 155.94 157.17 0.00 0.04 0.25
Net Current Asset Value
$ -1.28B$ -1.24B$ -1.15B$ -1.19B$ -760.41M
Leverage Ratios
Debt-to-Assets Ratio
 <0.01 <0.01 <0.01 0.05 0.06
Debt-to-Equity Ratio
 0.10 0.10 0.08 0.85 1.09
Debt-to-Capital Ratio
 0.09 0.09 0.07 0.46 0.52
Long-Term Debt-to-Capital Ratio
 0.09 0.09 0.07 0.08 0.09
Financial Leverage Ratio
 13.20 13.11 15.12 16.53 17.60
Debt Service Coverage Ratio
 0.52 0.48 0.28 0.05 0.12
Interest Coverage Ratio
 0.55 0.49 0.26 0.08 1.21
Debt to Market Cap
 0.08 0.10 0.10 1.00 0.97
Interest Debt Per Share
 10.25 10.41 10.68 26.36 24.39
Net Debt to EBITDA
 -0.48 -0.60 -1.34 13.92 5.87
Profitability Margins
Gross Profit Margin
66.38%63.35%56.09%61.07%84.68%
EBIT Margin
17.84%16.44%10.58%3.06%16.62%
EBITDA Margin
19.51%18.07%12.45%5.10%18.77%
Operating Profit Margin
18.09%16.44%10.58%3.06%16.62%
Pretax Profit Margin
17.83%16.44%10.58%3.06%16.62%
Net Profit Margin
15.49%14.23%9.73%4.19%15.71%
Continuous Operations Profit Margin
15.49%14.23%9.73%4.19%15.71%
Net Income Per EBT
86.88%86.53%91.95%136.84%94.54%
EBT Per EBIT
98.60%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.85%0.82%0.56%0.21%0.67%
Return on Equity (ROE)
11.77%10.72%8.46%3.54%11.75%
Return on Capital Employed (ROCE)
0.99%0.94%7.41%0.21%9.51%
Return on Invested Capital (ROIC)
21.81%20.01%6.81%0.20%5.12%
Return on Tangible Assets
0.85%0.82%0.56%0.21%0.67%
Earnings Yield
9.94%10.98%10.25%4.13%10.54%
Efficiency Ratios
Receivables Turnover
 14.86 15.42 15.17 13.13 13.25
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 3.51 3.65 3.38 2.71 2.70
Asset Turnover
 0.05 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 3.24 -0.14 -0.10 -0.13 -0.08
Cash Conversion Cycle
 24.56 23.67 24.07 27.80 27.54
Days of Sales Outstanding
 24.56 23.67 24.07 27.80 27.54
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 24.56 23.67 24.07 27.80 27.54
Cash Flow Ratios
Operating Cash Flow Per Share
 4.69 4.64 2.13 0.69 5.09
Free Cash Flow Per Share
 4.32 4.44 2.05 -0.88 4.04
CapEx Per Share
 0.37 0.20 0.08 1.57 1.06
Free Cash Flow to Operating Cash Flow
 0.92 0.96 0.96 -1.27 0.79
Dividend Paid and CapEx Coverage Ratio
 3.32 3.74 1.90 0.26 2.43
Capital Expenditure Coverage Ratio
 12.59 22.79 26.56 0.44 4.82
Operating Cash Flow Coverage Ratio
 1.51 1.53 1.07 0.04 0.23
Operating Cash Flow to Sales Ratio
 0.22 0.21 0.10 0.04 0.33
Free Cash Flow Yield
12.73%15.43%10.14%-4.55%17.66%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.06 9.11 9.75 24.21 9.48
Price-to-Sales (P/S) Ratio
 1.56 1.30 0.95 1.02 1.49
Price-to-Book (P/B) Ratio
 1.13 0.98 0.82 0.86 1.11
Price-to-Free Cash Flow (P/FCF) Ratio
 7.85 6.48 9.86 -21.95 5.66
Price-to-Operating Cash Flow Ratio
 7.23 6.20 9.49 27.99 4.49
Price-to-Earnings Growth (PEG) Ratio
 0.26 0.17 0.06 -0.36 -0.37
Price-to-Fair Value
 1.13 0.98 0.82 0.86 1.11
Enterprise Value Multiple
 7.50 6.57 6.28 33.81 13.80
Enterprise Value
 113.34M 93.75M 58.59M 114.06M 137.16M
EV to EBITDA
 7.50 6.57 6.28 33.81 13.80
EV to Sales
 1.46 1.19 0.78 1.73 2.59
EV to Free Cash Flow
 7.38 5.94 8.13 -37.32 9.85
EV to Operating Cash Flow
 6.79 5.68 7.82 47.58 7.81
Tangible Book Value Per Share
 30.86 28.59 23.65 21.64 19.63
Shareholders’ Equity Per Share
 29.98 29.46 24.52 22.53 20.52
Tax and Other Ratios
Effective Tax Rate
 0.13 0.13 0.08 -0.37 0.05
Revenue Per Share
 21.76 22.19 21.33 19.01 15.35
Net Income Per Share
 3.37 3.16 2.07 0.80 2.41
Tax Burden
 0.87 0.87 0.92 1.37 0.95
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.28 0.21 0.32 0.41 0.43
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 <0.01 <0.01
Income Quality
 21.70 0.00 1.03 0.87 2.11
Currency in USD