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F&M BANK CORP

Data quality: 83%

FMBM

OTC Financial Services Depository Institutions

$30.56

$0.00 (0.00%)

Mkt Cap: 108.72 M

Price

$30.56

Mkt Cap

108.72 M

Day Range

$30.60 — $30.60

52-Week Range

$18.61 — $32.25

Volume

1,900

Open $30.60

50D / 200D Avg

$31.22

2.10% below

50D / 200D Avg

$26.95

13.40% above

Quick Summary

Key Takeaways

Earnings grew 54.14% over the past year

ROE of 19.95% — decent returns on equity

Debt/Equity of 0.07 — conservative balance sheet

Generating 29.98 M in free cash flow

P/E of 5.56 — trading at a low valuation

Cash machine — converts 153.19% of earnings into free cash flow

Growth

Revenue Growth (5Y)

N/A

Revenue (1Y)N/A

Earnings (1Y)54.14%

FCF Growth (3Y)N/A

Quality

Return on Equity

19.95%

Above sector avg (10.70%)

ROICN/A

Net MarginN/A

Op. MarginN/A

Safety

Debt / Equity

0.07

Below sector avg (0.50)

Current RatioN/A

Interest CoverageN/A

Valuation

PE (TTM)

5.56

Below sector avg (12.63)

P/B Ratio1.07

EV/EBITDAN/A

Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (1096 peers)

Metric	Stock	Sector Median
P/E	5.6	12.6
P/B	1.1	1.4
ROE %	20.0	10.7
Net Margin %	—	14.8
Rev Growth 5Y %	—	6.4
D/E	0.1	0.5

All Fundamental Metrics

Growth
Revenue Growth (1Y)	N/A	Revenue Growth (3Y)	N/A
Earnings Growth (1Y)	54.14%	Earnings Growth (3Y)	101.30%
Revenue Growth (5Y)	N/A	Earnings Growth (5Y)	1.12%
Profitability
Revenue (TTM)	N/A	Net Income (TTM)	19.57 M
ROE	19.95%	ROA	1.47%
Gross Margin	N/A	Operating Margin	N/A
Net Margin	N/A	Free Cash Flow (TTM)	29.98 M
ROIC	N/A	FCF Growth (3Y)	N/A
Safety
Debt / Equity	0.07	Current Ratio	N/A
Interest Coverage	N/A	Asset Turnover	N/A
Working Capital	N/A	Tangible Book Value	98.41 M
Dividends
Dividend Yield	N/A	Payout Ratio	N/A
Dividend Growth (3Y)	N/A	Dividend Growth (5Y)	N/A
Consecutive Div Years	N/A
Valuation
P/E Ratio	5.56	Forward P/E	N/A
P/B Ratio	1.07	P/S Ratio	N/A
PEG Ratio	4.96	Forward PEG	N/A
EV/EBITDA	N/A	Fwd EV/EBITDA	N/A
Forward P/S	N/A	Fwd Earnings Yield	N/A
FCF Yield	27.58%
Market Cap	108.72 M	Enterprise Value	115.72 M
Per Share
EPS (Diluted TTM)	5.51	Revenue / Share	N/A
FCF / Share	8.43	OCF / Share	8.74
EPS CAGR (1Y)	52.66%	EPS CAGR (5Y)	0.32%
EPS CAGR (10Y)	2.32%
Efficiency
CapEx / Revenue	N/A	FCF Conversion	153.19%
SBC-Adj. FCF	29.41 M	Growth Momentum	N/A

Income Statement

Annual, most recent first

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Revenue	—	—	—	—	—
Net Income	11.23 M	7.29 M	2.77 M	8.32 M	10.74 M
EPS (Diluted)	3.16	2.07	0.80	2.41	3.12
Gross Profit	—	—	—	—	—
Operating Income	—	—	—	—	—
EBITDA	—	—	—	—	—
R&D Expenses	—	—	—	—	—
SG&A Expenses	—	—	—	—	—
D&A	1.30 M	1.40 M	1.30 M	1.10 M	1.17 M
Interest Expense	26.22 M	33.93 M	24.67 M	7.25 M	4.30 M
Income Tax	1.75 M	638,000.0	-746,000.0	480,000.0	1.32 M

Balance Sheet

Annual, most recent first

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Total Assets	1.37 B	1.30 B	1.29 B	1.25 B	1.22 B
Total Liabilities	1.27 B	1.22 B	1.22 B	1.18 B	1.12 B
Shareholders' Equity	104.79 M	86.14 M	78.32 M	70.79 M	100.46 M
Total Debt	9.92 M	6.98 M	66.93 M	76.89 M	10.00 M
Cash & Equivalents	—	—	23.72 M	34.95 M	88.12 M
Current Assets	—	—	—	—	—
Current Liabilities	—	—	—	—	—