Stocktoria
F&M BANK CORP FMBM
F&M BANK CORP (FMBM) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 2.81% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1152 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| FMBM | F&M BANK CORP | 4/9 | — | 11.7 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
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.
FAQ
Is FMBM financially healthy?
F&M BANK CORP's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does FMBM pay a dividend, and is it safe?
Yes. F&M BANK CORP pays a dividend yielding about 2.81% with a 32.9% payout ratio, rated “safe” for safety.
How profitable is FMBM?
In FY2025, F&M BANK CORP had a return on equity of 10.8%.
Is FMBM overvalued or undervalued?
F&M BANK CORP trades at about 12.8× trailing earnings — above its 10-year norm (10-year range 9.4×–23.2×, median 10.7×). Stocktoria reports the data, not buy/sell advice.
Is FMBM a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on F&M BANK CORP: a Piotroski F-score of 4/9, a P/E of about 11.7×, a dividend yield of 2.81%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.