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F & M Bank Corp. FMBM

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Price alert · FMBM

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41.59 USD +0.59 +1.44%

At close · Oct 30

41.59 Day range 41.59
26.54 52-week range 41.59
YTD
+44.66%
1 year
+55.48%
Open
41.59
Prev close
41.00
Mkt cap
147.84M
Vol
100
Avg vol
2.25K
EPS
4.04
P/E
10.29
More statistics
Low
41.59
High
41.59

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Financial health

Altman Z-Score

0.17 Distress zone

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

Piotroski F-Score

7 / 9 Strong

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

FMP rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 1
  • P/E 3
  • P/B 3

Valuation

P/E 9.1×
FY 2016: 9.4×FY 2017: 12.6×FY 2018: 11.9×FY 2019: 22.0×FY 2020: 8.7×FY 2021: 8.8×FY 2022: 9.5×FY 2023: 24.1×FY 2024: 9.8×FY 2025: 9.1×
FY 2016 5y median 9.5× FY 2025
P/S 1.3×
FY 2016: 2.2×FY 2017: 2.5×FY 2018: 2.4×FY 2019: 1.9×FY 2020: 1.5×FY 2021: 2.1×FY 2022: 1.5×FY 2023: 1.0×FY 2024: 0.9×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
P/B 1.0×
FY 2016: 1.0×FY 2017: 1.2×FY 2018: 1.2×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 0.8×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF 6.5×
FY 2016: 7.1×FY 2017: 293×FY 2018: 12.1×FY 2019: 7.1×FY 2020: 66.6×FY 2021: 4.7×FY 2022: 5.7×FY 2023: -22.0×FY 2024: 9.9×FY 2025: 6.5×
FY 2016 5y median 5.7× FY 2025
EV/EBITDA 6.6×
FY 2016: 13.2×FY 2017: 11.9×FY 2018: 16.0×FY 2019: 25.4×FY 2020: 8.3×FY 2021: 8.2×FY 2022: 13.8×FY 2023: 33.8×FY 2024: 6.3×FY 2025: 6.6×
FY 2016 5y median 8.2× FY 2025
EV/Sales 1.2×
FY 2016: 4.7×FY 2017: 4.0×FY 2018: 3.9×FY 2019: 3.0×FY 2020: 1.9×FY 2021: 2.3×FY 2022: 2.6×FY 2023: 1.7×FY 2024: 0.8×FY 2025: 1.2×
FY 2016 5y median 1.7× FY 2025
FCF Yield 15.4%
FY 2016: 14.1%FY 2017: 0.3%FY 2018: 8.2%FY 2019: 14.0%FY 2020: 1.5%FY 2021: 21.1%FY 2022: 17.7%FY 2023: -4.6%FY 2024: 10.1%FY 2025: 15.4%
FY 2016 5y median 15.4% FY 2025

Profitability

Gross Margin 63.3%
FY 2016: 90.6%FY 2017: 90.9%FY 2018: 82.8%FY 2019: 70.4%FY 2020: 81.5%FY 2021: 96.8%FY 2022: 84.7%FY 2023: 61.1%FY 2024: 56.1%FY 2025: 63.3%
FY 2016 5y median 63.3% FY 2025
Operating Margin 16.4%
FY 2016: 33.4%FY 2017: 31.4%FY 2018: 21.9%FY 2019: 9.1%FY 2020: 20.5%FY 2021: 25.9%FY 2022: 16.6%FY 2023: 3.1%FY 2024: 10.6%FY 2025: 16.4%
FY 2016 5y median 16.4% FY 2025
Net Margin 14.2%
FY 2016: 24.9%FY 2017: 21.1%FY 2018: 19.5%FY 2019: 9.4%FY 2020: 18.0%FY 2021: 23.0%FY 2022: 15.7%FY 2023: 4.2%FY 2024: 9.7%FY 2025: 14.2%
FY 2016 5y median 14.2% FY 2025
ROE 10.7%
FY 2016: 11.1%FY 2017: 9.9%FY 2018: 9.7%FY 2019: 5.0%FY 2020: 9.2%FY 2021: 10.7%FY 2022: 11.7%FY 2023: 3.5%FY 2024: 8.5%FY 2025: 10.7%
FY 2016 5y median 10.7% FY 2025
ROIC 20.0%
FY 2016: 5.1%FY 2017: 5.4%FY 2018: 5.1%FY 2019: 2.8%FY 2020: 6.0%FY 2021: 7.7%FY 2022: 5.1%FY 2023: 0.2%FY 2024: 6.8%FY 2025: 20.0%
FY 2016 5y median 6.8% FY 2025
ROA 0.8%
FY 2016: 1.3%FY 2017: 1.2%FY 2018: 1.1%FY 2019: 0.6%FY 2020: 0.9%FY 2021: 0.9%FY 2022: 0.7%FY 2023: 0.2%FY 2024: 0.6%FY 2025: 0.8%
FY 2016 5y median 0.7% FY 2025

Growth (YoY)

Revenue 5.4%
FY 2016: 10.5%FY 2017: 10.8%FY 2018: 5.9%FY 2019: 6.5%FY 2020: 1.6%FY 2021: -4.5%FY 2022: 13.5%FY 2023: 24.8%FY 2024: 13.3%FY 2025: 5.4%
FY 2016 FY 2025
Operating Income 63.8%
FY 2016: 12.2%FY 2017: 4.0%FY 2018: -26.2%FY 2019: -55.5%FY 2020: 128.6%FY 2021: 20.2%FY 2022: -27.1%FY 2023: -77.0%FY 2024: 291.3%FY 2025: 63.8%
FY 2016 FY 2025
EPS (diluted) 52.7%
FY 2016: 15.4%FY 2017: -5.1%FY 2018: -3.8%FY 2019: -48.6%FY 2020: 96.9%FY 2021: 21.9%FY 2022: -22.8%FY 2023: -66.8%FY 2024: 158.7%FY 2025: 52.7%
FY 2016 FY 2025
Free Cash Flow 118.9%
FY 2016: 51.1%FY 2017: -96.9%FY 2018: 2300.5%FY 2019: 46.3%FY 2020: -91.5%FY 2021: 1773.2%FY 2022: -32.8%FY 2023: -121.9%FY 2024: 335.8%FY 2025: 118.9%
FY 2016 FY 2025

Financial Health

Current Ratio 233×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 233×
FY 2016 5y median 0.4× FY 2025
Quick Ratio 233×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 233×
FY 2016 5y median 0.4× FY 2025
Debt / Equity 0.1×
FY 2016: 1.2×FY 2017: 0.8×FY 2018: 0.9×FY 2019: 0.7×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA -0.6×
FY 2016: 7.0×FY 2017: 4.4×FY 2018: 6.3×FY 2019: 9.4×FY 2020: 1.8×FY 2021: 0.8×FY 2022: 5.9×FY 2023: 13.9×FY 2024: -1.3×FY 2025: -0.6×
FY 2016 5y median 0.8× FY 2025
Interest Coverage 0.5×
FY 2016: 3.6×FY 2017: 3.4×FY 2018: 2.0×FY 2019: 0.6×FY 2020: 1.8×FY 2021: 2.8×FY 2022: 1.2×FY 2023: 0.1×FY 2024: 0.3×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025

Dividends

Dividend Yield 3.6%
FY 2016: 3.6%FY 2017: 3.1%FY 2018: 4.0%FY 2019: 3.9%FY 2020: 4.9%FY 2021: 3.7%FY 2022: 4.6%FY 2023: 5.4%FY 2024: 5.1%FY 2025: 3.6%
FY 2016 5y median 4.6% FY 2025
Payout Ratio 32.9%
FY 2016: 32.6%FY 2017: 37.6%FY 2018: 48.8%FY 2019: 79.6%FY 2020: 40.9%FY 2021: 33.5%FY 2022: 43.2%FY 2023: 130.4%FY 2024: 50.1%FY 2025: 32.9%
FY 2016 5y median 43.2% FY 2025

Annual · latest fiscal year ends 2025-12-31