tiprankstipranks
F & M Bank Corp. (FMBM)
OTHER OTC:FMBM
US Market
FMBM
F & M Bank
RESEARCH TOOLSreports
Want to see FMBM full AI Analyst Report?

F & M Bank (FMBM) Ratios

12 Followers

F & M Bank Ratios

FMBM's free cash flow for Q2 2026 was $0.74. For the 2026 fiscal year, FMBM's free cash flow was decreased by $ and operating cash flow was $0.28. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 281.72 232.66 0.05 0.08 0.36
Quick Ratio
 281.72 232.66 0.05 0.08 0.36
Cash Ratio
 223.24 183.91 0.02 0.06 0.02
Solvency Ratio
 0.01 <0.01 <0.01 <0.01 <0.01
Operating Cash Flow Ratio
 209.44 157.17 <0.01 <0.01 0.02
Short-Term Operating Cash Flow Coverage
 209.44 157.17 0.00 0.04 0.25
Net Current Asset Value
$ -1.26B$ -1.24B$ -1.15B$ -1.19B$ -760.41M
Leverage Ratios
Debt-to-Assets Ratio
 <0.01 <0.01 <0.01 0.05 0.06
Debt-to-Equity Ratio
 0.09 0.10 0.08 0.85 1.09
Debt-to-Capital Ratio
 0.08 0.09 0.07 0.46 0.52
Long-Term Debt-to-Capital Ratio
 0.08 0.09 0.07 0.08 0.09
Financial Leverage Ratio
 12.46 13.11 15.12 16.53 17.60
Debt Service Coverage Ratio
 0.61 0.48 0.28 0.05 0.12
Interest Coverage Ratio
 0.68 0.49 0.26 0.08 1.21
Debt to Market Cap
 0.07 0.10 0.10 1.00 0.97
Interest Debt Per Share
 9.82 10.41 10.68 26.36 24.39
Net Debt to EBITDA
 -0.62 -0.60 -1.34 13.92 5.87
Profitability Margins
Gross Profit Margin
69.56%63.35%56.09%61.07%84.68%
EBIT Margin
20.87%16.44%10.58%3.06%16.62%
EBITDA Margin
22.01%18.07%12.45%5.10%18.77%
Operating Profit Margin
21.10%16.44%10.58%3.06%16.62%
Pretax Profit Margin
20.86%16.44%10.58%3.06%16.62%
Net Profit Margin
17.82%14.23%9.73%4.19%15.71%
Continuous Operations Profit Margin
17.82%14.23%9.73%4.19%15.71%
Net Income Per EBT
85.42%86.53%91.95%136.84%94.54%
EBT Per EBIT
98.85%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.03%0.82%0.56%0.21%0.67%
Return on Equity (ROE)
13.55%10.72%8.46%3.54%11.75%
Return on Capital Employed (ROCE)
1.22%0.94%7.41%0.21%9.51%
Return on Invested Capital (ROIC)
25.09%20.01%6.81%0.20%5.12%
Return on Tangible Assets
1.03%0.82%0.56%0.21%0.67%
Earnings Yield
10.09%10.98%10.25%4.13%10.54%
Efficiency Ratios
Receivables Turnover
 14.70 15.42 15.17 13.13 13.25
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 3.70 3.65 3.38 2.71 2.70
Asset Turnover
 0.06 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 3.24 -0.14 -0.10 -0.13 -0.08
Cash Conversion Cycle
 24.83 23.67 24.07 27.80 27.54
Days of Sales Outstanding
 24.83 23.67 24.07 27.80 27.54
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 24.83 23.67 24.07 27.80 27.54
Cash Flow Ratios
Operating Cash Flow Per Share
 5.54 4.64 2.13 0.69 5.09
Free Cash Flow Per Share
 5.19 4.44 2.05 -0.88 4.04
CapEx Per Share
 0.36 0.20 0.08 1.57 1.06
Free Cash Flow to Operating Cash Flow
 0.94 0.96 0.96 -1.27 0.79
Dividend Paid and CapEx Coverage Ratio
 3.96 3.74 1.90 0.26 2.43
Capital Expenditure Coverage Ratio
 15.60 22.79 26.56 0.44 4.82
Operating Cash Flow Coverage Ratio
 1.98 1.53 1.07 0.04 0.23
Operating Cash Flow to Sales Ratio
 0.24 0.21 0.10 0.04 0.33
Free Cash Flow Yield
12.88%15.43%10.14%-4.55%17.66%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.92 9.10 9.77 24.21 9.48
Price-to-Sales (P/S) Ratio
 1.77 1.30 0.95 1.02 1.49
Price-to-Book (P/B) Ratio
 1.27 0.98 0.82 0.86 1.11
Price-to-Free Cash Flow (P/FCF) Ratio
 7.76 6.48 9.86 -21.95 5.66
Price-to-Operating Cash Flow Ratio
 7.25 6.20 9.49 27.99 4.49
Price-to-Earnings Growth (PEG) Ratio
 0.15 0.17 0.06 -0.36 -0.37
Price-to-Fair Value
 1.27 0.98 0.82 0.86 1.11
Enterprise Value Multiple
 7.42 6.57 6.28 33.81 13.80
Enterprise Value
 131.98M 93.75M 58.59M 114.06M 137.16M
EV to EBITDA
 7.42 6.57 6.28 33.81 13.80
EV to Sales
 1.63 1.19 0.78 1.73 2.59
EV to Free Cash Flow
 7.16 5.94 8.13 -37.32 9.85
EV to Operating Cash Flow
 6.70 5.68 7.82 47.58 7.81
Tangible Book Value Per Share
 32.46 28.59 23.65 21.64 19.63
Shareholders’ Equity Per Share
 31.58 29.46 24.52 22.53 20.52
Tax and Other Ratios
Effective Tax Rate
 0.15 0.13 0.08 -0.37 0.05
Revenue Per Share
 22.76 22.19 21.33 19.01 15.35
Net Income Per Share
 4.06 3.16 2.07 0.80 2.41
Tax Burden
 0.85 0.87 0.92 1.37 0.95
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.28 0.21 0.32 0.41 0.43
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 6.21 1.47 1.03 0.87 2.11
Currency in USD