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F&M BANK CORP FMBM
OTC · OOTC · stock · State Commercial Banks · website · IPO 1997-02-28
F&M BANK CORP financials (annual, from 10-K)
Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest expense | $26.2M | $30.6M | $24.7M | $7.2M | $4.3M | $5.7M | $6.8M | $4.8M | $3.9M | $3.6M |
| Income tax | $1.7M | $638,000 | -$746,000 | $480,000 | $1.3M | $1.1M | -$250,000 | $1.0M | $4.3M | $3.1M |
| Net income | $11.2M | $7.3M | $2.8M | $8.3M | $10.7M | $8.9M | $4.6M | $8.8M | $9.0M | $9.6M |
| EPS (diluted) | $3.16 | $2.07 | $0.80 | $2.41 | $3.12 | $2.56 | $1.30 | $2.45 | $2.48 | $2.57 |
| Operating cash flow | $16.5M | $7.1M | $2.2M | $17.6M | $21.3M | $1.8M | $15.4M | $11.9M | $6.9M | $15.6M |
| Free cash flow | $15.8M | $6.9M | -$3.3M | $13.9M | $20.7M | $1.1M | $13.0M | $8.9M | $370,000 | $12.0M |
| Cash & equivalents | — | — | $23.7M | $35.0M | $88.1M | $78.4M | $75.8M | $10.9M | $11.9M | $16.4M |
| Total assets | $1.4B | $1.3B | $1.3B | $1.2B | $1.2B | $966.9M | $814.0M | $779.7M | $753.3M | $744.9M |
| Total liabilities | $1.3B | $1.2B | $1.2B | $1.2B | $1.1B | $871.3M | $722.4M | $688.3M | $662.0M | $658.2M |
| Shareholders' equity | $104.8M | $86.1M | $78.3M | $70.8M | $100.5M | $95.6M | $91.6M | $91.4M | $91.0M | $86.7M |
Growth · year-over-year
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income growth | +54.1% | +162.9% | -66.7% | -22.5% | +20.7% | +91.7% | -47.4% | -2.1% | -5.8% | +13.7% |
| EPS growth | +52.7% | +158.7% | -66.8% | -22.8% | +21.9% | +96.9% | -46.9% | -1.2% | -3.5% | +14.2% |
| Free cash flow growth | +130.3% | — | -123.6% | -32.8% | +1773.2% | -91.5% | +46.3% | +2300.5% | -96.9% | +51.1% |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Source: SEC EDGAR filings · CIK 0000740806 · as of 2025-12-31. Facts from filings plus Stocktoria's own computed scores — not investment advice.