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F&M BANK CORP FMBM

OTC · stock · State Commercial Banks · website · IPO 1997-02-28 · LEI

F&M BANK CORP statistics & valuation

Market cap$131.2M
P / E11.7×
P / B1.3×
P / FCF8.3×
Dividend yield2.81%
Return on equity10.8%
Net debt$9.9M
Enterprise value USD$141.1M
Graham number +12.7%$45.61

Market cap as of 2026-06-30. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($45.61); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
11.00% 9.90% 9.70% 5.10% 9.30% 10.70% 11.70% 3.50% 8.50% 10.80% 2016201720182019202020212022202320242025
Shares outstanding
3.7M 3.6M 3.6M 3.5M 3.4M 3.4M 3.45B 3.48B 3.5M 3.6M 2016201720182019202020212022202320242025
Net debt ($)
$47.9M $37.8M $29.3M -$22.6M -$45.2M -$66.3M -$28.1M -$16.8M $7.0M $9.9M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.30% 1.20% 1.10% 0.60% 0.90% 0.90% 0.70% 0.20% 0.60% 0.80% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.74× 0.55× 0.44× 0.58× 0.35× 0.22× 0.10× 0.09× 0.08× 0.10× 2016201720182019202020212022202320242025
EPS ($)
$2.57 $2.48 $2.45 $1.30 $2.56 $3.12 $2.41 $0.80 $2.07 $3.16 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

F&M BANK CORP trades at about 12.8× earnings — above its 10-year norm (10-year range 9.4×–23.2×, median 10.7×).

9.4× 23.2×

Shaded band = 10-year range (9.4×–23.2×); dot = today's 12.8×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets0.8%0.6%0.2%0.7%0.9%0.9%0.6%1.1%1.2%1.3%
Return on equity10.8%8.5%3.5%11.7%10.7%9.3%5.1%9.7%9.9%11.0%
Debt / equity0.10×0.08×0.09×0.10×0.22×0.35×0.58×0.44×0.55×0.74×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.