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

F & M Bank (FMBM) AI Stock Analysis

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FM

F & M Bank

(OTC:FMBM)

Rating:69Neutral
Price Target:
$24.00
â–²(12.52%Upside)
F & M Bank's stock score is driven by strong technical indicators and attractive valuation metrics. Despite challenges in financial performance, the stock's bullish momentum and low valuation make it appealing. However, potential risks include revenue volatility and overbought technical signals.

F & M Bank (FMBM) vs. SPDR S&P 500 ETF (SPY)

F & M Bank Business Overview & Revenue Model

Company DescriptionF & M Bank (FMBM) is a community bank based in the United States that offers a wide range of financial services to individuals, businesses, and organizations. The bank operates in the financial and banking sector, providing core products and services such as personal and business banking, mortgage lending, and wealth management solutions. With a focus on personalized customer service, F & M Bank aims to meet the financial needs of its local communities.
How the Company Makes MoneyF & M Bank generates revenue primarily through interest income from loans and advances made to customers, including personal, commercial, and mortgage loans. Interest income is the largest component of the bank's revenue, derived from the difference between the interest rates charged on loans and the interest rates paid on deposits. Additionally, the bank earns non-interest income from fees and service charges on deposit accounts, transaction services, and wealth management advisory services. Other significant contributors to revenue include gains from the sale of investment securities and income from partnerships with financial service providers that offer insurance and investment products. The bank's strategic focus on building strong customer relationships and expanding its product offerings plays a crucial role in its financial performance.

F & M Bank Financial Statement Overview

Summary
F & M Bank's financial statements show a mixed performance. The income statement is weak due to significant volatility in revenue, leading to a low score. The balance sheet is relatively stable, with manageable leverage and liquidity, earning a moderate score. Cash flows are generally positive but exhibit historical fluctuations, resulting in a moderate score. Overall, financial performance is a concern due to revenue instability.
Income Statement
35
Negative
The income statement shows significant volatility in revenue, with a drastic drop to zero in the latest year. This inconsistency in revenue generation raises concerns about the company's ability to maintain stable operations. The EBIT margin has fluctuated significantly, and the absence of EBITDA data in certain years hinders comprehensive analysis. Historical net income has been positive, but the current period reflects a challenging environment.
Balance Sheet
70
Positive
The balance sheet reflects moderate stability with a relatively low debt-to-equity ratio, suggesting manageable leverage. However, the equity ratio indicates a declining trend in shareholder equity relative to total assets. The bank's liquidity is supported by a substantial amount of cash and short-term investments. Overall, the balance sheet presents a cautiously optimistic view with potential risks if equity continues to decline.
Cash Flow
60
Neutral
Cash flow analysis shows variability, with a positive free cash flow in the current period, indicating operational efficiency. The operating cash flow to net income ratio suggests adequate cash generation relative to earnings. However, historical fluctuations in free cash flow and investing activities require careful monitoring to ensure sustained liquidity and financial health.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue61.22M44.35M41.38M1.90M42.58M43.25M
Gross Profit48.49M44.35M40.36M-2.58M42.58M43.25M
EBITDA13.92M9.33M3.37M998.00K13.09M597.00K
Net Income8.53M7.29M2.77M8.32M10.74M8.79M
Balance Sheet
Total Assets1.31B1.30B1.29B1.25B1.22B966.93M
Cash, Cash Equivalents and Short-Term Investments0.0095.55M19.79M78.53M415.34M119.32M
Total Debt6.99M6.97M66.93M76.89M21.77M33.20M
Total Liabilities1.22B1.22B1.22B1.18B21.77M33.20M
Stockholders Equity91.31M86.14M78.32M70.79M100.46M95.63M
Cash Flow
Free Cash Flow9.54M7.21M-3.06M13.93M20.72M1.11M
Operating Cash Flow9.88M7.49M2.40M17.57M21.28M1.85M
Investing Cash Flow47.25M27.22M-50.20M-147.88M-243.70M-142.13M
Financing Cash Flow-19.70M-1.47M36.57M54.83M232.13M142.89M

F & M Bank Technical Analysis

Technical Analysis Sentiment
Positive
Last Price21.33
Price Trends
50DMA
20.36
Positive
100DMA
19.90
Positive
200DMA
20.27
Positive
Market Momentum
MACD
0.44
Negative
RSI
78.92
Negative
STOCH
92.21
Negative
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 21.33 is above the 20-day moving average (MA) of 21.03, above the 50-day MA of 20.36, and above the 200-day MA of 20.27, indicating a bullish trend. The MACD of 0.44 indicates Negative momentum. The RSI at 78.92 is Negative, neither overbought nor oversold. The STOCH value of 92.21 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FMBM.

F & M Bank Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
74
Outperform
$72.07M9.778.10%2.15%5.04%-6.92%
73
Outperform
$84.88M11.8811.29%5.05%5.81%-22.37%
71
Outperform
$64.79M9.8210.25%2.81%12.23%-25.92%
70
Neutral
$80.81M12.338.32%4.47%22.78%722.30%
69
Neutral
$80.17M9.3010.09%4.74%10.86%188.59%
67
Neutral
$17.01B11.909.70%3.76%11.63%-9.47%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
FMBM
F & M Bank
22.50
6.98
44.97%
AUBN
Auburn National Bancorporation
23.13
5.54
31.50%
BOTJ
Bank Of The Jame Financial
13.87
3.20
29.99%
UBCP
United Bancorp
14.26
2.97
26.31%
FUSB
First US Bancshares
12.56
3.54
39.25%

F & M Bank Corporate Events

Executive/Board ChangesShareholder Meetings
F & M Bank Holds Annual Shareholder Meeting
Neutral
May 21, 2025

F & M Bank Corp. held its annual meeting of shareholders on May 17, 2025, where key proposals were voted on, including the election of directors, ratification of an independent accounting firm, approval of executive compensation, and the frequency of shareholder votes on executive pay. The meeting resulted in the election of directors to serve until 2028, the appointment of Elliott Davis, LLC as the accounting firm for 2025, approval of executive compensation, and the decision to hold annual advisory votes on executive compensation.

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.Date of analysis: Jul 03, 2025