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STOCKS

F & M Bank Corp. (FMBM)

OTHER OTC:FMBM

FMBM

F & M Bank

RESEARCH TOOLSreports

F & M Bank (FMBM) Ratios

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F & M Bank Ratios

FMBM's free cash flow for Q3 2025 was $0.73. For the 2025 fiscal year, FMBM's free cash flow was decreased by $ and operating cash flow was $0.20. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	0.05	0.08	0.36	0.39
Quick Ratio	0.00	0.05	0.08	0.36	0.39
Cash Ratio	0.00	0.02	0.06	0.02	0.01
Solvency Ratio	1.07	<0.01	<0.01	<0.01	0.01
Operating Cash Flow Ratio	10.50	<0.01	<0.01	0.02	0.02
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.04	0.25	0.00
Net Current Asset Value	$ -11.66M	$ -1.15B	$ -1.19B	$ -760.41M	$ -700.43M
Leverage Ratios
Debt-to-Assets Ratio	0.00	<0.01	0.05	0.06	0.02
Debt-to-Equity Ratio	0.00	0.08	0.85	1.09	0.22
Debt-to-Capital Ratio	1.00	0.07	0.46	0.52	0.18
Long-Term Debt-to-Capital Ratio	1.00	0.07	0.08	0.09	0.18
Financial Leverage Ratio	0.00	15.12	16.53	17.60	12.14
Debt Service Coverage Ratio	0.73	0.28	0.05	0.12	2.78
Interest Coverage Ratio	0.49	0.26	0.08	1.21	2.80
Debt to Market Cap	0.09	0.10	1.00	0.97	0.22
Interest Debt Per Share	10.16	10.68	26.36	24.39	7.64
Net Debt to EBITDA	0.47	-1.34	13.92	5.87	0.78
Profitability Margins
Gross Profit Margin	65.16%	56.09%	61.07%	84.68%	96.82%
EBIT Margin	26.04%	10.58%	3.06%	16.62%	25.87%
EBITDA Margin	27.63%	12.45%	5.10%	18.77%	28.51%
Operating Profit Margin	17.02%	10.58%	3.06%	16.62%	25.87%
Pretax Profit Margin	17.07%	10.58%	3.06%	16.62%	25.87%
Net Profit Margin	14.77%	9.73%	4.19%	15.71%	23.03%
Continuous Operations Profit Margin	14.77%	9.73%	4.19%	15.71%	23.03%
Net Income Per EBT	86.53%	91.95%	136.84%	94.54%	89.03%
EBT Per EBIT	100.30%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.00%	0.56%	0.21%	0.67%	0.88%
Return on Equity (ROE)	15.62%	8.46%	3.54%	11.75%	10.69%
Return on Capital Employed (ROCE)	-740.16%	7.41%	0.21%	9.51%	8.67%
Return on Invested Capital (ROIC)	-640.46%	6.81%	0.20%	5.12%	7.72%
Return on Tangible Assets	0.00%	0.56%	0.21%	0.67%	0.88%
Earnings Yield	10.22%	10.25%	4.13%	10.54%	10.94%
Efficiency Ratios
Receivables Turnover	0.00	15.17	13.13	13.25	14.96
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	0.00	3.38	2.71	2.70	2.73
Asset Turnover	0.00	0.06	0.05	0.04	0.04
Working Capital Turnover Ratio	-0.17	-0.10	-0.13	-0.08	-0.07
Cash Conversion Cycle	0.00	24.07	27.80	27.54	24.40
Days of Sales Outstanding	0.00	24.07	27.80	27.54	24.40
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	0.00	24.07	27.80	27.54	24.40
Cash Flow Ratios
Operating Cash Flow Per Share	5.16	2.13	0.69	5.09	6.23
Free Cash Flow Per Share	5.04	2.05	-0.88	4.04	6.07
CapEx Per Share	0.12	0.08	1.57	1.06	0.16
Free Cash Flow to Operating Cash Flow	0.98	0.96	-1.27	0.79	0.97
Dividend Paid and CapEx Coverage Ratio	4.45	1.90	0.26	2.43	5.12
Capital Expenditure Coverage Ratio	41.45	26.56	0.44	4.82	37.80
Operating Cash Flow Coverage Ratio	1.85	1.07	0.04	0.23	0.98
Operating Cash Flow to Sales Ratio	0.24	0.10	0.04	0.33	0.46
Free Cash Flow Yield	16.30%	10.14%	-4.55%	17.66%	21.11%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.85	9.75	24.21	9.48	9.14
Price-to-Sales (P/S) Ratio	1.45	0.95	1.02	1.49	2.11
Price-to-Book (P/B) Ratio	0.00	0.82	0.86	1.11	0.98
Price-to-Free Cash Flow (P/FCF) Ratio	6.17	9.86	-21.95	5.66	4.74
Price-to-Operating Cash Flow Ratio	6.02	9.49	27.99	4.49	4.61
Price-to-Earnings Growth (PEG) Ratio	1.85	0.06	-0.36	-0.37	0.41
Price-to-Fair Value	0.00	0.82	0.86	1.11	0.98
Enterprise Value Multiple	5.74	6.28	33.81	13.80	8.16
Enterprise Value	119.83M	58.59M	114.06M	137.16M	108.48M
EV to EBITDA	5.70	6.28	33.81	13.80	8.16
EV to Sales	1.58	0.78	1.73	2.59	2.33
EV to Free Cash Flow	6.69	8.13	-37.32	9.85	5.24
EV to Operating Cash Flow	6.53	7.82	47.58	7.81	5.10
Tangible Book Value Per Share	-3.28	23.65	21.64	19.63	28.52
Shareholders’ Equity Per Share	0.00	24.52	22.53	20.52	29.42
Tax and Other Ratios
Effective Tax Rate	0.13	0.08	-0.37	0.05	0.11
Revenue Per Share	21.37	21.33	19.01	15.35	13.66
Net Income Per Share	3.16	2.07	0.80	2.41	3.15
Tax Burden	0.87	0.92	1.37	0.95	0.89
Interest Burden	0.66	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	0.21	0.31	0.41	0.43	0.42
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.73	1.03	0.87	2.11	1.98

Currency in USD