FMBM
F & M Bank Corp.
Price Chart
Latest Quote
$36.12
+0.00 (+0.00%)
Current Price
| Previous Close | $36.12 |
| Open | $35.11 |
| Day High | $36.12 |
| Day Low | $35.00 |
| Volume | 2,221 |
Stock Information
| Quarterly Dividend / Yield | $1.04 / 2.88% |
| Shares Outstanding | 3.56M |
| Quarterly Dividend Yield | 2.88% |
| Quarterly Dividend | $1.04 |
| Total Debt | $42.09M |
| Cash Equivalents | $90.12M |
| Revenue | $51.62M |
| Net Income | $12.00M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $128.56M |
| P/E Ratio | 10.72 |
| EPS (TTM) | $3.37 |
| Exchange | OQX |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $85.11M |
| Sales | $51.62M |
| Income | $12.00M |
| Book/sh | $29.98 |
| Cash/sh | $25.32 |
| Employees | 173 |
Financial Ratios
| EPS Growth TTM | -7.60% |
Returns & Margins
| ROA | 0.88% |
| ROE | 12.12% |
| Operating Margin | 14.56% |
| Profit Margin | 23.24% |
Ownership
| Insider Ownership | 5.77% |
| Institutional Ownership | 16.11% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 2.49 |
| P/B | 1.20 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $34.35 |
| SMA50 | $33.06 |
| SMA200 | $29.31 |
| RSI | 100.00 |
| ATR | 0.3393 |
| Shares Float | 2.71M |
| Volatility | 0.30 |
Performance History
| Week | +4.39% |
| Month | +6.55% |
| Quarter | +18.97% |
| 6 Months | +31.29% |
| YTD | +27.86% |
| Year | +79.09% |
| 3 Years | +109.56% |
| 5 Years | +53.64% |
| 10 Years | +128.63% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $36.12 | 0 |
| 2026-06-17 | $36.12 | 0 |
| 2026-06-16 | $36.12 | 4,500 |
| 2026-06-15 | $35.10 | 800 |
| 2026-06-12 | $35.00 | 900 |
| 2026-06-11 | $34.60 | 0 |
| 2026-06-10 | $34.60 | 0 |
| 2026-06-09 | $34.60 | 400 |
| 2026-06-08 | $34.00 | 200 |
| 2026-06-05 | $34.00 | 11,100 |
| 2026-06-04 | $34.00 | 0 |
| 2026-06-03 | $34.00 | 0 |
| 2026-06-02 | $34.00 | 0 |
| 2026-06-01 | $34.00 | 300 |
| 2026-05-29 | $34.00 | 400 |
| 2026-05-28 | $33.99 | 1,800 |
| 2026-05-27 | $33.49 | 23,500 |
| 2026-05-26 | $33.17 | 3,100 |
| 2026-05-22 | $33.05 | 29,100 |
| 2026-05-21 | $33.01 | 1,400 |
| 2026-05-20 | $33.90 | 1,400 |
| 2026-05-19 | $33.90 | 0 |
About F & M Bank Corp.
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, savings accounts, money market accounts, internet and mobile banking services, and drive-in banking services. It also provides construction loans, including residential and land acquisition and development loans; commercial real estate loans; business loans; consumer loans, such as personal loans, automobile loans, deposit account loans, installment and demand loans, and home equity loans; residential mortgage loans; credit cards; dealer finance; farmland loans; multi-family loans; and commercial and industrial loans. In addition, the company offers drive-in banking services, ATMs, as well as a courier service for its commercial banking customers. Further, it originates conventional and government agency sponsored mortgages and provides title insurance and real estate settlement services. The company was founded in 1908 and is headquartered in Timberville, Virginia.
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Income Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $44,354,000 | $41,384,000 | $45,695,000 | $42,328,000 |
| Operating Revenue | $44,354,000 | $41,384,000 | $45,695,000 | $42,328,000 |
| Expenses | ||||
| Interest Expense | $30,551,000 | $24,706,000 | $7,245,000 | $4,302,000 |
| Selling And Marketing Expense | $608,000 | $963,000 | $925,000 | $748,000 |
| General And Administrative Expense | $23,137,000 | $27,236,000 | $22,897,000 | $19,394,000 |
| Professional Expense And Contract Services Expense | $1,784,000 | $1,667,000 | $1,582,000 | $1,068,000 |
| Other Non Interest Expense | $4,919,000 | $4,945,000 | $7,328,000 | $8,384,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $7,285,000 | $2,771,000 | $8,318,000 | $10,738,000 |
| Net Interest Income | $33,932,000 | $31,705,000 | $34,894,000 | $31,274,000 |
| Interest Income | $64,483,000 | $56,411,000 | $42,139,000 | $35,576,000 |
| Normalized Income | $7,285,000 | $2,771,000 | $8,318,000 | $10,890,243 |
| Net Income From Continuing And Discontinued Operation | $7,285,000 | $2,771,000 | $8,318,000 | $10,738,000 |
| Net Income Common Stockholders | $7,285,000 | $2,771,000 | $8,318,000 | $10,542,000 |
| Net Income | $7,285,000 | $2,771,000 | $8,318,000 | $10,738,000 |
| Net Income Including Noncontrolling Interests | $7,285,000 | $2,771,000 | $8,318,000 | $10,738,000 |
| Net Income Continuous Operations | $7,285,000 | $2,771,000 | $8,318,000 | $10,738,000 |
| Pretax Income | $7,923,000 | $2,025,000 | $8,798,000 | $12,061,000 |
| Average Dilution Earnings | - | - | $0 | $196,000 |
| Special Income Charges | - | - | $0 | $-171,000 |
| Per Share | ||||
| Diluted EPS | $2.07 | $0.79 | $2.41 | $3.09 |
| Basic EPS | $2.07 | $0.79 | $2.41 | $3.09 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $-18,757 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $1,404,000 | $1,348,000 | $1,138,000 | $1,235,000 |
| Diluted Average Shares | $3,519,324 | $3,507,595 | $3,449,343 | $3,414,306 |
| Basic Average Shares | $3,519,324 | $3,507,595 | $3,449,343 | $3,414,306 |
| Diluted NI Availto Com Stockholders | $7,285,000 | $2,771,000 | $8,318,000 | $10,738,000 |
| Tax Provision | $638,000 | $-746,000 | $480,000 | $1,323,000 |
| Gain On Sale Of Security | $0 | $232,000 | $933,000 | $-525,000 |
| Selling General And Administration | $23,745,000 | $28,199,000 | $23,822,000 | $20,142,000 |
| Other Gand A | $3,291,000 | $2,914,000 | $2,948,000 | $2,672,000 |
| Insurance And Claims | $1,041,000 | $790,000 | $563,000 | $414,000 |
| Salaries And Wages | $18,805,000 | $23,532,000 | $22,334,000 | $18,980,000 |
| Occupancy And Equipment | $2,854,000 | $2,702,000 | $2,482,000 | $2,462,000 |
| Total Unusual Items | - | - | $0 | $-171,000 |
| Total Unusual Items Excluding Goodwill | - | - | $0 | $-171,000 |
| Impairment Of Capital Assets | - | - | $0 | $171,000 |
| Preferred Stock Dividends | - | - | - | $196,000 |
| Minority Interests | - | - | - | $0 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $83,056,000 | $75,241,000 | $67,710,000 | $97,374,000 |
| Total Assets | $1,302,011,000 | $1,294,596,000 | $1,245,902,000 | $1,219,342,000 |
| Goodwill And Other Intangible Assets | $3,082,000 | $3,082,000 | $3,082,000 | $3,082,000 |
| Receivables | $4,939,000 | $5,034,000 | $3,995,000 | $3,117,000 |
| Accounts Receivable | $4,939,000 | $5,034,000 | $3,995,000 | $3,117,000 |
| Cash And Cash Equivalents | $19,437,000 | $19,968,000 | $18,613,000 | $11,454,000 |
| Cash Equivalents | $298,000 | $178,000 | $687,000 | $2,938,000 |
| Cash Financial | $19,139,000 | $19,790,000 | $17,926,000 | $8,516,000 |
| Cash Cash Equivalents And Federal Funds Sold | $56,961,000 | $23,717,000 | $34,953,000 | $88,121,000 |
| Debt | ||||
| Total Debt | $6,975,000 | $66,932,000 | $76,890,000 | $21,772,000 |
| Long Term Debt And Capital Lease Obligation | $6,975,000 | $6,932,000 | $6,890,000 | $21,772,000 |
| Long Term Debt | $6,975,000 | $6,932,000 | $6,890,000 | $21,772,000 |
| Current Debt And Capital Lease Obligation | $0 | $60,000,000 | $70,000,000 | $0 |
| Current Debt | $0 | $60,000,000 | $70,000,000 | $0 |
| Other Current Borrowings | $0 | $60,000,000 | $70,000,000 | $0 |
| Net Debt | - | $46,964,000 | $58,277,000 | $10,318,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,215,873,000 | $1,216,273,000 | $1,175,110,000 | $1,118,886,000 |
| Equity | ||||
| Common Stock Equity | $86,138,000 | $78,323,000 | $70,792,000 | $100,456,000 |
| Total Equity Gross Minority Interest | $86,138,000 | $78,323,000 | $70,792,000 | $100,456,000 |
| Stockholders Equity | $86,138,000 | $78,323,000 | $70,792,000 | $100,456,000 |
| Gains Losses Not Affecting Retained Earnings | $-27,377,000 | $-31,017,000 | $-40,012,000 | $-5,092,000 |
| Other Equity Adjustments | $-27,377,000 | $-31,017,000 | $-40,012,000 | $-5,092,000 |
| Retained Earnings | $84,669,000 | $81,034,000 | $83,078,000 | $78,350,000 |
| Other | ||||
| Ordinary Shares Number | $3,525,649 | $3,485,570 | $3,456,237 | $3,414,306 |
| Share Issued | $3,525,649 | $3,485,570 | $3,456,237 | $3,414,306 |
| Tangible Book Value | $83,056,000 | $75,241,000 | $67,710,000 | $97,374,000 |
| Invested Capital | $93,113,000 | $145,255,000 | $147,682,000 | $122,228,000 |
| Total Capitalization | $93,113,000 | $85,255,000 | $77,682,000 | $122,228,000 |
| Additional Paid In Capital | $11,463,000 | $11,043,000 | $10,577,000 | $10,127,000 |
| Capital Stock | $17,383,000 | $17,263,000 | $17,149,000 | $17,071,000 |
| Common Stock | $17,383,000 | $17,263,000 | $17,149,000 | $17,071,000 |
| Investments And Advances | $330,539,000 | $374,209,000 | $403,537,000 | $413,217,000 |
| Available For Sale Securities | $291,948,000 | $5,535,000 | $11,317,000 | $9,210,000 |
| Goodwill | $3,082,000 | $3,082,000 | $3,082,000 | $3,082,000 |
| Net PPE | $22,192,000 | $23,656,000 | $19,587,000 | $17,063,000 |
| Accumulated Depreciation | $-14,289,000 | $-13,002,000 | $-14,051,000 | $-13,060,000 |
| Gross PPE | $36,481,000 | $36,658,000 | $33,638,000 | $30,123,000 |
| Machinery Furniture Equipment | $13,757,000 | $13,543,000 | $13,483,000 | $10,052,000 |
| Buildings And Improvements | $17,989,000 | $18,264,000 | $16,040,000 | $15,956,000 |
| Land And Improvements | $4,735,000 | $4,851,000 | $4,115,000 | $4,115,000 |
| Other Short Term Investments | $38,591,000 | $368,674,000 | $392,095,000 | $403,882,000 |
| Held To Maturity Securities | - | $0 | $125,000 | $125,000 |
| Preferred Stock | - | - | - | $0 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $7,207,000 | $-3,288,000 | $13,929,000 | $20,718,000 |
| Operating Activities | ||||
| Operating Cash Flow | $7,489,000 | $2,165,000 | $17,571,000 | $21,281,000 |
| Cash Flow From Continuing Operating Activities | $7,489,000 | $2,165,000 | $17,571,000 | $21,281,000 |
| Operating Gains Losses | $-1,518,000 | $-1,113,000 | $-3,471,000 | $-4,040,000 |
| Investing Activities | ||||
| Capital Expenditure | $-282,000 | $-5,453,000 | $-3,642,000 | $-563,000 |
| Investing Cash Flow | $27,222,000 | $-49,969,000 | $-125,566,000 | $-243,700,000 |
| Cash Flow From Continuing Investing Activities | $27,222,000 | $-49,969,000 | $-125,566,000 | $-243,700,000 |
| Net Other Investing Changes | $2,893,000 | $1,602,000 | $-2,603,000 | $1,211,000 |
| Financing Activities | ||||
| Issuance Of Capital Stock | $314,000 | $321,000 | $335,000 | $298,000 |
| Financing Cash Flow | $-1,467,000 | $36,568,000 | $54,827,000 | $232,132,000 |
| Cash Flow From Continuing Financing Activities | $-1,467,000 | $36,568,000 | $54,827,000 | $232,132,000 |
| Cash Dividends Paid | $-3,650,000 | $-3,612,000 | $-3,590,000 | $-3,593,000 |
| Net Common Stock Issuance | $314,000 | $321,000 | $335,000 | $298,000 |
| Common Stock Issuance | $314,000 | $321,000 | $335,000 | $298,000 |
| Repurchase Of Capital Stock | - | - | $0 | $-627,000 |
| Net Preferred Stock Issuance | - | - | $0 | $-627,000 |
| Other | ||||
| Interest Paid Supplemental Data | $30,243,000 | $23,367,000 | $7,441,000 | $4,071,000 |
| Income Tax Paid Supplemental Data | $608,000 | $360,000 | $32,000 | $2,012,000 |
| End Cash Position | $56,961,000 | $23,717,000 | $34,953,000 | $88,121,000 |
| Beginning Cash Position | $23,717,000 | $34,953,000 | $88,121,000 | $78,408,000 |
| Changes In Cash | $33,244,000 | $-11,236,000 | $-53,168,000 | $9,713,000 |
| Net Issuance Payments Of Debt | $-60,000,000 | $-10,000,000 | $55,000,000 | $-11,430,000 |
| Net Short Term Debt Issuance | $-60,000,000 | $-10,000,000 | $70,000,000 | $0 |
| Net Investment Purchase And Sale | $45,105,000 | $33,741,000 | $-37,290,000 | $-301,810,000 |
| Sale Of Investment | $90,932,000 | $33,991,000 | $70,987,000 | $45,047,000 |
| Purchase Of Investment | $-45,827,000 | $-250,000 | $-108,277,000 | $-346,857,000 |
| Net PPE Purchase And Sale | $-265,000 | $-5,350,000 | $-3,615,000 | $-421,000 |
| Sale Of PPE | $17,000 | $103,000 | $27,000 | $142,000 |
| Purchase Of PPE | $-282,000 | $-5,453,000 | $-3,642,000 | $-563,000 |
| Change In Working Capital | $-3,114,000 | $-3,865,000 | $3,380,000 | $94,000 |
| Change In Other Current Assets | $-939,000 | $-3,624,000 | $1,495,000 | $2,560,000 |
| Change In Payables And Accrued Expense | $-2,270,000 | $798,000 | $2,763,000 | $-2,076,000 |
| Change In Accrued Expense | $-2,270,000 | $798,000 | $2,763,000 | $-2,076,000 |
| Change In Receivables | $95,000 | $-1,039,000 | $-878,000 | $-390,000 |
| Changes In Account Receivables | $95,000 | $-1,039,000 | $-878,000 | $-390,000 |
| Other Non Cash Items | $400,000 | $768,000 | $6,335,000 | $14,289,000 |
| Stock Based Compensation | $226,000 | $259,000 | $193,000 | $86,000 |
| Amortization Of Securities | $756,000 | $772,000 | $903,000 | $1,004,000 |
| Deferred Tax | $-293,000 | $200,000 | $-91,000 | $476,000 |
| Deferred Income Tax | $-293,000 | $200,000 | $-91,000 | $476,000 |
| Depreciation Amortization Depletion | $1,404,000 | $1,348,000 | $1,138,000 | $1,235,000 |
| Depreciation And Amortization | $1,404,000 | $1,348,000 | $1,138,000 | $1,235,000 |
| Amortization Cash Flow | $29,000 | $31,000 | $37,000 | $71,000 |
| Amortization Of Intangibles | $29,000 | $31,000 | $37,000 | $71,000 |
| Depreciation | $1,375,000 | $1,317,000 | $1,101,000 | $1,164,000 |
| Earnings Losses From Equity Investments | $0 | $-232,000 | $-3,785,000 | $0 |
| Gain Loss On Sale Of PPE | $-12,000 | $-15,000 | $-10,000 | $114,000 |
| Net Income From Continuing Operations | $7,285,000 | $2,771,000 | $8,318,000 | $10,738,000 |
| Repayment Of Debt | - | $0 | $-15,000,000 | $-11,430,000 |
| Net Long Term Debt Issuance | - | $0 | $-15,000,000 | $-11,430,000 |
| Long Term Debt Payments | - | $0 | $-15,000,000 | $-11,430,000 |
| Gain Loss On Investment Securities | - | $0 | $2,852,000 | $525,000 |
| Preferred Stock Payments | - | - | $0 | $-627,000 |
| Net Business Purchase And Sale | - | - | $0 | $13,946,000 |
| Sale Of Business | - | - | $0 | $13,946,000 |
| Asset Impairment Charge | - | - | $0 | $220,000 |
| Issuance Of Debt | - | - | - | $0 |
| Common Stock Payments | - | - | - | $0 |
| Long Term Debt Issuance | - | - | - | $0 |
| Purchase Of Business | - | - | - | $0 |
Fetched: 2026-02-02