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F & M Bank
(OTC:FMBM)
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Rating:76Outperform
Price Target:
$46.00
â–²(16.34% Upside)
Action:Reiterated
Date:05/28/26
The score is driven primarily by solid financial performance (profitability recovery, improving ROE, generally positive cash generation) and attractive valuation (low P/E and ~3% yield). Technicals add support via an uptrend and positive MACD, while prior leverage/cash-flow variability and the limited impact of governance-only corporate updates keep the score from being higher.
Positive Factors
Conservative balance sheet
Low debt relative to equity and steady asset growth provide a durable capital buffer that supports lending through credit cycles. This conservatism preserves financial flexibility, lowers funding stress risk, and enables measured growth or capital returns over the next several quarters.
Negative Factors
Profitability volatility
Earnings have shown meaningful swings across years, which undermines predictability of future profits and capital generation. Continued margin sensitivity to loan mix, credit costs or funding could constrain strategic planning and investor confidence over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Low debt relative to equity and steady asset growth provide a durable capital buffer that supports lending through credit cycles. This conservatism preserves financial flexibility, lowers funding stress risk, and enables measured growth or capital returns over the next several quarters.
Read all positive factors
F & M Bank (FMBM) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$143.79M
Dividend Yield2.59%
Average Volume (3M)4.39K
Price to Earnings (P/E)9.9
Beta (1Y)0.02
Revenue Growth7.69%
EPS Growth68.61%
CountryUS
Employees173
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.37
Shares Outstanding3,559,157
10 Day Avg. Volume3,007
30 Day Avg. Volume4,392
Financial Highlights & Ratios
PEG Ratio0.17
Price to Book (P/B)0.98
Price to Sales (P/S)1.30
P/FCF Ratio6.48
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
F & M Bank Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
F & M Bank primarily earns money through (1) net interest income and (2) noninterest income; other items such as securities gains/losses and miscellaneous income may also contribute, but specific breakdowns are null.
1) Net interest income (core ...
F & M Bank Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 77.43M | 78.92M | 74.91M | 66.09M | 52.94M | 46.63M |
| Gross Profit | 51.40M | 50.00M | 42.01M | 40.36M | 44.83M | 45.15M |
| EBITDA | 15.11M | 14.26M | 9.33M | 3.37M | 9.94M | 13.30M |
| Net Income | 12.00M | 11.23M | 7.29M | 2.77M | 8.32M | 10.74M |
Balance Sheet | ||||||
| Total Assets | 1.41B | 1.37B | 1.30B | 1.29B | 1.25B | 1.22B |
| Cash, Cash Equivalents and Short-Term Investments | 18.34M | 67.84M | 58.03M | 19.79M | 410.71M | 415.34M |
| Total Debt | 11.02M | 10.79M | 6.97M | 66.93M | 76.89M | 21.77M |
| Total Liabilities | 1.30B | 1.27B | 1.22B | 1.22B | 1.18B | 1.12B |
| Stockholders Equity | 106.71M | 104.79M | 86.14M | 78.32M | 70.79M | 100.46M |
Cash Flow | ||||||
| Free Cash Flow | 15.36M | 15.78M | 7.21M | -3.06M | 13.93M | 20.72M |
| Operating Cash Flow | 16.69M | 16.50M | 7.49M | 2.40M | 17.57M | 21.28M |
| Investing Cash Flow | -94.83M | -53.86M | 27.22M | -50.20M | -125.57M | -243.70M |
| Financing Cash Flow | 74.12M | 49.25M | -1.47M | 36.57M | 54.83M | 232.13M |
F & M Bank Technical Analysis
Positive
39.54
Price Trends
37.41
Positive
34.57
Positive
31.61
Positive
Market Momentum
0.83
Positive
64.71
Neutral
71.32
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FMBM, the sentiment is Positive. The current price of 39.54 is below the 20-day moving average (MA) of 39.67, above the 50-day MA of 37.41, and above the 200-day MA of 31.61, indicating a bullish trend. The MACD of 0.83 indicates Positive momentum. The RSI at 64.71 is Neutral, neither overbought nor oversold. The STOCH value of 71.32 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FMBM.
F & M Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $143.79M | 9.90 | 13.55% | 2.63% | 7.69% | 68.61% | |
76 Outperform | $92.05M | 10.85 | 9.12% | 4.06% | -1.67% | 26.05% | |
75 Outperform | $134.06M | 15.22 | 6.50% | 2.09% | 5.96% | 48.76% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | $108.06M | -27.72 | -2.50% | 1.52% | -11.21% | -176.24% | |
56 Neutral | $103.23M | -80.00 | -1.08% | 2.50% | -7.07% | 151.23% |
* Financial Sector Average
FMBM
F & M Bank
40.10
17.47
77.16%
AUBN
Auburn National Bancorporation
26.15
0.75
2.94%
LSBK
Lake Shore Bancorp
17.05
4.86
39.85%
PBHC
Pathfinder Bancorp
16.00
2.05
14.70%
RVSB
Riverview Bancorp
5.30
0.43
8.94%
F & M Bank Corporate Events
Business Operations and StrategyRegulatory Filings and Compliance
F & M Bank Updates Stock Incentive and Clawback Terms
Positive
May 27, 2026
On May 21, 2026, F M Bank Corp.’s board approved an amendment to its 2020 Stock Incentive Plan that formally defines “Retirement” as termination of employment or service after age 65 with at least five consecutive years at the c...
Executive/Board ChangesShareholder Meetings
F & M Bank Shareholders Approve Governance and Auditor
Positive
May 19, 2026
F M Bank Corp. held its annual meeting of shareholders on May 16, 2026, where investors voted on director elections, auditor ratification, and executive compensation matters. Shareholders elected four directors to three-year terms and one directo...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.