F&M BANK CORP
F&M BANK CORP
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
Cash And Due From Banks | 21 | 18 | 19 | 19 | 20 | 22 | 19 | 18 | 19 | 28 | 20 | 17 | |||||
Money Market Funds At Carrying Value | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 1 | 1 | 1 | 0 | 0 | |||||
Federal Funds Sold | 38 | 67 | 49 | 64 | 26 | 67 | 38 | 41 | 30 | 24 | 4 | 5 | |||||
Cash And Cash Equivalents At Carrying Value | 61 | 86 | 69 | 84 | 47 | 89 | 57 | 60 | 50 | 52 | 24 | 22 | |||||
Securities | |||||||||||||||||
Marketable Securities | |||||||||||||||||
Debt Securities Available For Sale And Held To Mat… | - | - | - | - | - | - | 328 | - | - | - | 369 | - | |||||
Available For Sale Securities Debt Securities | 337 | 351 | 345 | 329 | 340 | 321 | 328 | 376 | 352 | 359 | - | 372 | |||||
Other Investments | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 4 | 4 | 11 | 6 | 11 | |||||
Held To Maturity Securities | - | - | - | - | - | - | - | - | - | - | 0 | 0 | |||||
Loans Held For Sale Fair Value Disclosure | 3 | 4 | 3 | 1 | 2 | 1 | 2 | 2 | 4 | 1 | 1 | 2 | |||||
Loans And Leases Receivable Net Reported Amount | 917 | 889 | 878 | 864 | 840 | 819 | 832 | 823 | 819 | 817 | 814 | 796 | |||||
Other Real Estate And Foreclosed Assets | - | - | - | - | - | - | 0 | - | - | - | 0 | - | |||||
Property Plant And Equipment Net | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 23 | 23 | 23 | 24 | 24 | |||||
Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | - | - | -8 | 0 | |||||
Real Estate Investment Property At Cost | - | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | - | |||||
Interest Receivable | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
Goodwill | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | |||||
Bank Owned Life Insurance | 25 | 25 | 24 | 24 | 24 | 24 | 24 | 23 | 23 | 23 | 23 | 23 | |||||
Deferred Income Tax Assets Net | 7 | 7 | 7 | 7 | 8 | 8 | 9 | - | - | - | 10 | - | |||||
Inventory Land Held For Sale | - | - | - | - | - | - | 0 | - | - | - | 0 | - | |||||
Other Assets | 15 | 16 | 14 | 16 | 17 | 17 | 17 | 25 | 26 | 21 | 17 | 24 | |||||
Assets | 1,397 | 1,409 | 1,374 | 1,358 | 1,312 | 1,312 | 1,302 | 1,345 | 1,310 | 1,316 | 1,295 | 1,282 | |||||
Liabilities | |||||||||||||||||
Noninterest Bearing Deposit Liabilities | 294 | 290 | 279 | 281 | 278 | 271 | 260 | 271 | 270 | 267 | 264 | 277 | |||||
Interest Bearing Deposit Liabilities | 963 | 985 | 966 | 954 | 918 | 929 | 935 | 948 | 915 | 889 | 869 | 857 | |||||
Deposits | 1,257 | 1,275 | 1,245 | 1,235 | 1,196 | 1,200 | 1,195 | 1,218 | 1,185 | 1,156 | 1,133 | 1,134 | |||||
Long Term Debt | 10 | 10 | 10 | 7 | 7 | 7 | 7 | - | - | - | - | - | |||||
Short Term Borrowings | - | - | - | - | - | - | 0 | 15 | 20 | 60 | 60 | 60 | |||||
Long Term Debt Current | - | - | - | - | - | - | - | 7 | 7 | 7 | - | 7 | |||||
Other Liabilities Current | - | - | - | - | - | - | - | 14 | 16 | 15 | - | 15 | |||||
Long Term Debt Noncurrent | - | - | - | - | - | - | 7 | - | - | - | 7 | - | |||||
Other Liabilities | 18 | 17 | 14 | 14 | 14 | 14 | 14 | - | - | - | 16 | - | |||||
Liabilities | 1,285 | 1,302 | 1,269 | 1,257 | 1,217 | 1,221 | 1,216 | 1,255 | 1,228 | 1,238 | 1,216 | 1,215 | |||||
Commitments And Contingen… | |||||||||||||||||
Stockholders Equity | |||||||||||||||||
Common Stock Value | 18 | 18 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Additional Paid In Capital | 12 | 12 | 12 | 12 | 12 | 11 | 11 | 11 | 11 | 11 | 11 | 11 | |||||
Retained Earnings Accumulated Deficit | 99 | 95 | 92 | 90 | 88 | 86 | 85 | 83 | 83 | 81 | 81 | 81 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -15 | -17 | -17 | -18 | -23 | -24 | -27 | -22 | -30 | -32 | -31 | -43 | |||||
Stockholders Equity | 112 | 107 | 105 | 101 | 94 | 91 | 86 | 90 | 82 | 78 | 78 | 67 | |||||
Liabilities And Stockholders Equity | 1,397 | 1,409 | 1,374 | 1,358 | 1,312 | 1,312 | 1,302 | 1,345 | 1,310 | 1,316 | 1,295 | 1,282 | |||||
Held To Maturity Securities Fair Value | - | - | - | - | - | - | - | - | - | - | - | 0 | |||||
Common Stock Par Or Stated Value Per Share | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
Common Stock Shares Authorized | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | |||||
Common Stock Shares Issued | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 3 | 3 | |||||
Shares Outstanding | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 3 | 3 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -0.70% | 8.35% | 16.82% | - | - | - | - | - | - | - | - | - |
| 2025 | 5.01% | 13.92% | 18.48% | 5.15% | 17.43% | 14.86% | 1.90% | 6.93% | 13.97% | 3.62% | 13.45% | 16.01% |
| 2024 | 8.19% | 7.68% | 22.58% | 6.87% | 10.17% | 4.76% | -7.19% | -7.24% | -7.24% | 3.95% | 4.27% | 11.95% |
| 2023 | - | - | - | -3.94% | -10.65% | -20.14% | 1.83% | 12.93% | 12.16% | -6.98% | -8.43% | -0.28% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | 1.68 | 1.54 | 1.49 | 1.45 | 1.33 | 1.32 | 1.26 | 1.10 | 1.21 | 1.09 | 1.09 | 1.26 | |||||
Efficiency & Turnover | |||||||||||||||||
| Days Sales Outstanding TTM | 4,564.82 | 4,519.44 | 4,606.96 | 4,593.95 | 4,569.21 | 4,583.39 | 4,657.36 | 4,706.01 | 4,737.20 | 4,842.25 | 5,012.72 | 5,100.05 | |||||
| Receivables Turnover TTM | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 | 0.07 | 0.07 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 4.02 | 3.37 | 3.16 | 2.99 | 2.38 | 2.41 | 2.07 | 0.77 | 1.69 | 0.91 | 0.87 | - | |||||
| Free Cash Flow Per Share TTM | 5.19 | 4.29 | 4.44 | 4.96 | 3.30 | 2.63 | 1.94 | 1.59 | 1.90 | 0.99 | -0.95 | -5.21 | |||||
| Dividend Per Share TTM | 1.04 | 1.03 | 1.04 | 0.78 | 0.77 | 1.03 | 1.04 | 0.78 | 0.52 | 0.26 | 0.00 | 0.00 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 64.49% | 63.08% | 61.29% | 59.05% | 56.70% | 54.08% | 52.62% | 52.54% | 53.16% | 54.32% | 56.29% | 60.62% | |||||
| Operating Profit Margin TTM | 23.99% | 20.02% | 19.15% | 18.20% | 14.36% | 14.70% | 12.29% | 8.95% | 9.68% | 3.79% | 3.59% | 11.49% | |||||
| Net Profit Margin TTM | 20.50% | 17.39% | 16.57% | 15.90% | 12.79% | 13.08% | 11.30% | 4.31% | 9.73% | 5.38% | 5.34% | 10.89% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 6.05% | 5.84% | 5.07% | 6.74% | 8.45% | 10.43% | 14.31% | 17.88% | 23.00% | 28.15% | 33.87% | 11.49% | |||||
| Net Income Growth (1Y) | 69.94% | 40.74% | 54.14% | 293.68% | 42.48% | 168.59% | 141.87% | -53.33% | 12.29% | -53.63% | -48.00% | -45.81% | |||||
| EPS Growth (1Y) | 70.67% | 39.96% | 52.78% | 289.40% | 40.57% | 164.98% | 138.48% | -53.85% | 10.99% | -54.33% | -48.41% | -46.23% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 9.03 | 8.98 | 8.91 | 8.38 | 8.47 | 7.63 | 9.14 | 28.06 | 8.70 | 17.08 | 19.69 | 10.44 | |||||
| P/B TTM | 1.16 | 1.01 | 0.95 | 0.88 | 0.76 | 0.71 | 0.77 | 0.84 | 0.63 | 0.70 | 0.76 | 0.90 | |||||
| P/S TTM | 1.85 | 1.56 | 1.48 | 1.33 | 1.08 | 1.00 | 1.03 | 1.21 | 0.85 | 0.92 | 1.05 | 1.14 | |||||
| Market Cap | 130.06M | 107.70M | 100.01M | 89.28M | 71.75M | 65.08M | 66.57M | 75.96M | 51.77M | 54.21M | 59.32M | 60.57M | |||||
| Enterprise Value | 79.23M | 31.73M | 41.07M | 12.35M | 31.47M | -17.40M | 16.58M | 37.60M | 28.27M | 68.67M | 102.53M | 105.34M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 18.43M | 15.36M | 15.78M | 17.66M | 11.78M | 9.37M | 6.85M | 5.60M | 6.69M | 3.50M | -3.29M | -18.15M | |||||
| Net Debt | -50.83M | -75.97M | -58.94M | -76.94M | -40.28M | -82.48M | -49.99M | -38.36M | -23.51M | 14.46M | 43.22M | 44.76M | |||||
Per-Share and Margin | |||||||||||||||||
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| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
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| ROA TTM | |||||||||||||||||
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| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
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| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
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| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
F&M BANK CORP (FMBM) — SEC Financial Statements & Analysis
F&M BANK CORP (FMBM) is a state commercial banks company, incorporated in VA. F&M BANK CORP trades on OTC as: FMBM. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), F&M BANK CORP reported a 6.05% year-over-year revenue growth, a Gross Profit Margin of 64.49% (TTM), a Price-to-Sales (P/S) ratio of 1.85x (TTM), a Price-to-Book (P/B) ratio of 1.16x (TTM), at a market cap of $130.06M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 6.05%
- Gross Profit Margin TTM
- 64.49%
- P/S TTM
- 1.85x
- P/B TTM
- 1.16x
- Market Cap
- $130.06M
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is F&M BANK CORP in?
F&M BANK CORP (FMBM) operates in the State Commercial Banks industry.
What is FMBM's market cap?
F&M BANK CORP (FMBM) has a market capitalization of $130.06M as of 2026-06-30.
What is FMBM's P/E ratio?
F&M BANK CORP (FMBM)'s trailing twelve month P/E ratio is 9.03x as of 2026-06-30.
What exchange does FMBM trade on?
F&M BANK CORP (FMBM) trades on the OTC.
Where is F&M BANK CORP incorporated?
F&M BANK CORP is incorporated in VA.