F & M Bank Corp. (FMBM)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 43 | 42 | 46 | 41 | 44 | 53 | 56 | - |
| Operating profit | $m | 13 | 17 | ||||||
| Net profit | $m | 9 | 11 | 8 | 3 | 7 | 11 | 14 | - |
| EPS reported | $ | 3.16 | 4.04 | ||||||
| Operating cashflow per share | $ | 4.64 | 4.69 | ||||||
| Capex per share | $ | 0.20 | 0.37 | ||||||
| FCF per share | $ | 4.44 | 4.32 | ||||||
| Free cash flow | $m | 16 | 18 | ||||||
| Net debt | $m | -58 | -11 | ||||||
| Book value equity | $m | 105 | 112 | ||||||
| Book value per share | $ | 29.46 | 31.28 | ||||||
| Number of shares | m | 3.56 | 3.58 | ||||||
| DPS (TTM paid) | $ | 1.04 | 1.04 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.10 | 11.91 | ||||||
| P/B LTM | x | 0.98 | 0.91 | ||||||
| P/S LTM | x | 1.94 | 1.83 | ||||||
| P/FCF LTM | x | 6.48 | 5.55 | ||||||
| EV/EBITDA LTM | x | 6.57 | 5.27 | ||||||
| EV/Sales LTM | x | 1.19 | 1.74 | ||||||
| Earnings Yield LTM | % | +10.99% | +8.40% | ||||||
| FCF Yield | % | +15.43% | +18.02% | ||||||
| Quality | |||||||||
| ROE | % | +10.72% | +11.77% | ||||||
| ROIC | % | +20.01% | +21.81% | ||||||
| Operating margin | % | +16.44% | +18.09% | ||||||
| Gross margin | % | +63.35% | +66.38% | ||||||
| FCF/Sales | % | +19.99% | +19.84% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +52.66% | +95.17% | ||||||
| Sales Growth YoY | % | +18.81% | +25.95% | ||||||
| Net Income Growth YoY | % | +54.14% | +97.68% | ||||||
| FCF Growth | % | +118.94% | +155.65% | ||||||
| Operating Profit Growth | % | +63.79% | +115.27% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.61% | +2.61% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | +32.85% | +30.85% | ||||||
| FCF/Debt | x | 1.46 | 1.86 | ||||||
| Net Debt/EBITDA | x | -0.60 | -0.48 | ||||||
| EBIT/Net interest | x | 0.49 | 0.55 | ||||||
| Net debt/market cap | % | +9.80% | +7.06% | ||||||
| Net debt/Equity | x | -0.55 | -0.10 | ||||||
| Gross debt/equity | x | 0.10 | 0.09 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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 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 brokerage services and commercial and personal insurance products. Further, it originates conventional and government agency sponsored mortgages; and offers title insurance and real estate settlement services. The company was founded in 1908 and is headquartered in Timberville, Virginia.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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 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 brokerage services and commercial and personal insurance products. Further, it originates conventional and government agency sponsored mortgages; and offers title insurance and real estate settlement services. The company was founded in 1908 and is headquartered in Timberville, Virginia.
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