F & M Bank Corp. (FMBM)
OTHER OTC:FMBM
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F & M Bank
(OTC:FMBM)
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Rating:76Outperform
Price Target:
$38.00
â–²(29.96% Upside)
Action:Reiterated
Date:05/19/26
The score is driven primarily by solid underlying financial performance (profitability recovery, improved ROE, and generally positive cash generation) and attractive valuation (low P/E with a ~3% dividend). Technicals are supportive but tempered by overextended momentum signals (high RSI/Stoch), which slightly reduces the overall score.
Positive Factors
Improving profitability and revenue growth
Sustained mid‑teens net margins and strong TTM revenue growth indicate the core banking franchise is generating recurring profit. Improving ROE into the low double‑digits shows rising capital efficiency, supporting durable internal capital generation for lending, dividends, and reinvestment.
Negative Factors
Profitability volatility
Meaningful swings in margins and earnings reduce the predictability of future profits and ROE. For a community bank, such volatility complicates pricing, reserve planning, and dividend policy, and can impair long‑term capital allocation and investor confidence.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving profitability and revenue growth
Sustained mid‑teens net margins and strong TTM revenue growth indicate the core banking franchise is generating recurring profit. Improving ROE into the low double‑digits shows rising capital efficiency, supporting durable internal capital generation for lending, dividends, and reinvestment.
Read all positive factors
F & M Bank (FMBM) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$120.66M
Dividend Yield3.66%
Average Volume (3M)4.39K
Price to Earnings (P/E)8.4
Beta (1Y)-0.08
Revenue Growth4.85%
EPS Growth38.83%
CountryUS
Employees170
SectorGeneral
Sector StrengthN/A
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 Cap0.94
Enterprise Value/Revenue1.46
Enterprise Value/Gross Profit2.21
Enterprise Value/Ebitda7.50
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 commercial banking services in Virginia. The company offers commercial and individual demand and time deposit accounts, savings accounts, checking acc...
How the Company Makes Money
F & M Bank primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest and fees collected on loans and investment securities and the interest paid on funding sour...
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
29.24
Price Trends
31.43
Positive
30.76
Positive
28.08
Positive
Market Momentum
0.86
Negative
70.43
Negative
55.05
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 29.24 is below the 20-day moving average (MA) of 32.71, below the 50-day MA of 31.43, and above the 200-day MA of 28.08, indicating a bullish trend. The MACD of 0.86 indicates Negative momentum. The RSI at 70.43 is Negative, neither overbought nor oversold. The STOCH value of 55.05 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 (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $120.89M | 14.60 | 6.30% | 2.12% | 6.16% | 68.02% | |
76 Outperform | $120.66M | 8.41 | 11.77% | 3.66% | 4.85% | 38.83% | |
73 Outperform | $82.13M | 9.49 | 9.03% | 4.16% | 4.30% | 20.85% | |
60 Neutral | $113.08M | -26.40 | -2.73% | 1.51% | -11.57% | -191.02% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
54 Neutral | $84.40M | 8.22 | -3.21% | 2.86% | -4.84% | -557.25% |
* General Sector Average
FMBM
F & M Bank
33.76
14.70
77.12%
AUBN
Auburn National Bancorporation
23.80
3.95
19.91%
LSBK
Lake Shore Bancorp
15.84
4.94
45.32%
PBHC
Pathfinder Bancorp
13.55
-1.27
-8.54%
RVSB
Riverview Bancorp
5.45
-0.56
-9.32%
F & M Bank Corporate Events
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.