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FBPA

The Farmers Bank of Appomattox

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Price alert · FBPA

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33.00 USD 0.00 0.00%
As of Oct 30, 2026
33.00 Day range 33.00
25.00 52-week range 33.25
YTD
+26.92%
1 year
+26.10%
Open
33.00
Prev close
33.00
Mkt cap
35.76M
Vol
100
Avg vol
198
EPS
3.33
P/E
9.91
More statistics
Low
33.00
High
33.00

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Financial health

Altman Z-Score

0.29 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 2
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 4
  • P/B 4

Valuation

P/E 8.6×
FY 2016: 10.0×FY 2017: 14.9×FY 2018: 13.8×FY 2019: 11.4×FY 2020: 10.2×FY 2021: 9.2×FY 2022: 9.0×FY 2023: 8.7×FY 2024: 9.1×FY 2025: 8.6×
FY 2016 5y median 9.0× FY 2025
P/S 1.5×
FY 2016: 2.4×FY 2017: 3.4×FY 2018: 3.0×FY 2019: 2.7×FY 2020: 2.5×FY 2021: 2.6×FY 2022: 2.3×FY 2023: 1.7×FY 2024: 1.4×FY 2025: 1.5×
FY 2016 5y median 1.7× FY 2025
P/B 0.7×
FY 2016: 0.9×FY 2017: 1.2×FY 2018: 1.0×FY 2019: 0.9×FY 2020: 0.7×FY 2021: 0.8×FY 2022: 1.0×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.7×
FY 2016 5y median 0.8× FY 2025
P/FCF 6.6×
FY 2016: 14.4×FY 2017: 16.1×FY 2018: 10.7×FY 2019: 12.3×FY 2020: 11.4×FY 2021: 8.0×FY 2022: 6.8×FY 2023: 7.8×FY 2024: 33.3×FY 2025: 6.6×
FY 2016 5y median 7.8× FY 2025
EV/EBITDA 7.4×
FY 2016: 7.1×FY 2017: 10.3×FY 2018: 10.2×FY 2019: 8.2×FY 2020: 7.0×FY 2021: 6.7×FY 2022: 8.3×FY 2023: 5.0×FY 2024: 8.0×FY 2025: 7.4×
FY 2016 5y median 7.4× FY 2025
EV/Sales 1.6×
FY 2016: 2.1×FY 2017: 3.0×FY 2018: 2.7×FY 2019: 2.5×FY 2020: 2.2×FY 2021: 2.3×FY 2022: 2.6×FY 2023: 1.2×FY 2024: 1.5×FY 2025: 1.6×
FY 2016 5y median 1.6× FY 2025
FCF Yield 15.2%
FY 2016: 6.9%FY 2017: 6.2%FY 2018: 9.4%FY 2019: 8.1%FY 2020: 8.7%FY 2021: 12.4%FY 2022: 14.7%FY 2023: 12.8%FY 2024: 3.0%FY 2025: 15.2%
FY 2016 5y median 12.8% FY 2025

Profitability

Gross Margin 67.2%
FY 2016: 88.6%FY 2017: 85.5%FY 2018: 84.7%FY 2019: 89.8%FY 2020: 89.7%FY 2021: 92.2%FY 2022: 89.5%FY 2023: 75.9%FY 2024: 66.6%FY 2025: 67.2%
FY 2016 5y median 75.9% FY 2025
Operating Margin 19.9%
FY 2016: 28.0%FY 2017: 27.7%FY 2018: 25.2%FY 2019: 28.4%FY 2020: 28.8%FY 2021: 32.5%FY 2022: 29.4%FY 2023: 22.2%FY 2024: 17.5%FY 2025: 19.9%
FY 2016 5y median 22.2% FY 2025
Net Margin 17.0%
FY 2016: 24.2%FY 2017: 22.6%FY 2018: 21.7%FY 2019: 24.1%FY 2020: 24.5%FY 2021: 28.1%FY 2022: 25.7%FY 2023: 19.3%FY 2024: 15.2%FY 2025: 17.0%
FY 2016 5y median 19.3% FY 2025
ROE 8.4%
FY 2016: 8.8%FY 2017: 7.8%FY 2018: 7.4%FY 2019: 7.7%FY 2020: 7.3%FY 2021: 8.8%FY 2022: 11.5%FY 2023: 8.9%FY 2024: 8.0%FY 2025: 8.4%
FY 2016 5y median 8.8% FY 2025
ROIC 0.9%
FY 2016: 8.3%FY 2017: 7.3%FY 2018: 6.9%FY 2019: 7.1%FY 2020: 6.5%FY 2021: 8.1%FY 2022: 8.7%FY 2023: 2.1%FY 2024: 6.4%FY 2025: 0.9%
FY 2016 5y median 6.4% FY 2025
ROA 0.9%
FY 2016: 1.1%FY 2017: 1.0%FY 2018: 1.0%FY 2019: 1.1%FY 2020: 1.0%FY 2021: 1.0%FY 2022: 1.0%FY 2023: 0.8%FY 2024: 0.8%FY 2025: 0.9%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 7.7%
FY 2016: 9.0%FY 2017: -1.7%FY 2018: 1.8%FY 2019: 1.0%FY 2020: 0.6%FY 2021: 8.7%FY 2022: 5.8%FY 2023: 20.2%FY 2024: 19.3%FY 2025: 7.7%
FY 2016 FY 2025
Operating Income 22.5%
FY 2016: 3.0%FY 2017: -2.8%FY 2018: -7.4%FY 2019: 14.0%FY 2020: 1.8%FY 2021: 23.0%FY 2022: -4.5%FY 2023: -9.2%FY 2024: -5.8%FY 2025: 22.5%
FY 2016 FY 2025
EPS (diluted) 20.8%
FY 2016: 16.1%FY 2017: -8.4%FY 2018: -1.8%FY 2019: 11.7%FY 2020: 2.5%FY 2021: 24.9%FY 2022: -3.3%FY 2023: -9.8%FY 2024: -6.4%FY 2025: 20.8%
FY 2016 FY 2025
Free Cash Flow 479.7%
FY 2016: -9.2%FY 2017: 22.5%FY 2018: 37.1%FY 2019: -20.2%FY 2020: -1.1%FY 2021: 60.6%FY 2022: 10.7%FY 2023: -24.0%FY 2024: -76.9%FY 2025: 479.7%
FY 2016 FY 2025

Financial Health

Current Ratio 1.4×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 1.4×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 1.4×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 1.4×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.3×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA 0.6×
FY 2016: -1.1×FY 2017: -1.1×FY 2018: -1.0×FY 2019: -0.8×FY 2020: -1.1×FY 2021: -0.8×FY 2022: 0.9×FY 2023: -2.1×FY 2024: 0.7×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
Interest Coverage 0.7×
FY 2016: 3.3×FY 2017: 3.2×FY 2018: 3.1×FY 2019: 3.0×FY 2020: 3.2×FY 2021: 4.7×FY 2022: 3.8×FY 2023: 1.0×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 1.0× FY 2025

Dividends

Dividend Yield 4.0%
FY 2016: 3.2%FY 2017: 2.6%FY 2018: 2.9%FY 2019: 3.0%FY 2020: 3.6%FY 2021: 3.6%FY 2022: 4.3%FY 2023: 4.5%FY 2024: 4.4%FY 2025: 4.0%
FY 2016 5y median 4.3% FY 2025
Payout Ratio 34.7%
FY 2016: 31.6%FY 2017: 38.0%FY 2018: 40.7%FY 2019: 34.3%FY 2020: 36.8%FY 2021: 33.7%FY 2022: 38.8%FY 2023: 39.3%FY 2024: 39.9%FY 2025: 34.7%
FY 2016 5y median 38.8% FY 2025

Annual · latest fiscal year ends 2025-12-31