F & M Bank(FMBM)
$45.500.01 (-0.11%)
FMBM
F & M Bank financials statements
$45.50
At close:0.01 (-0.11%)
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F & M Bank (FMBM) Ratios
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F & M Bank Ratios
FMBM's free cash flow for Q3 2026 was $0.00. For the 2026 fiscal year, FMBM's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 232.66 | 0.05 | 0.08 | 0.36 | 0.39 |
| Quick Ratio | 232.66 | 0.05 | 0.08 | 0.36 | 0.39 |
| Cash Ratio | 183.91 | 0.02 | 0.06 | 0.02 | 0.01 |
| Solvency Ratio | 0.01 | 0.01 | 0.00 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 157.17 | 0.01 | 0.01 | 0.02 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 157.17 | 0.00 | 0.04 | 0.25 | 0.00 |
| Net Current Asset Value | $ -1.24B | $ -1.15B | $ -1.19B | $ -760.41M | $ -700.43M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.01 | 0.01 | 0.05 | 0.06 | 0.02 |
| Debt-to-Equity Ratio | 0.10 | 0.08 | 0.85 | 1.09 | 0.22 |
| Debt-to-Capital Ratio | 0.09 | 0.07 | 0.46 | 0.52 | 0.18 |
| Long-Term Debt-to-Capital Ratio | 0.09 | 0.07 | 0.08 | 0.09 | 0.18 |
| Financial Leverage Ratio | 13.11 | 15.12 | 16.53 | 17.60 | 12.14 |
| Debt Service Coverage Ratio | 0.48 | 0.28 | 0.05 | 0.12 | 2.78 |
| Interest Coverage Ratio | 0.49 | 0.26 | 0.08 | 1.21 | 2.80 |
| Debt to Market Cap | 0.10 | 0.10 | 1.00 | 0.97 | 0.22 |
| Interest Debt Per Share | 10.41 | 10.68 | 26.36 | 24.39 | 7.64 |
| Net Debt to EBITDA | -0.60 | -1.34 | 13.92 | 5.87 | 0.78 |
| Profitability Margins | |||||
| Gross Profit Margin | 63.35% | 56.09% | 61.07% | 84.68% | 96.82% |
| EBIT Margin | 16.44% | 10.58% | 3.06% | 16.62% | 25.87% |
| EBITDA Margin | 18.11% | 12.45% | 5.10% | 18.77% | 28.51% |
| Operating Profit Margin | 16.44% | 10.58% | 3.06% | 16.62% | 25.87% |
| Pretax Profit Margin | 16.44% | 10.58% | 3.06% | 16.62% | 25.87% |
| Net Profit Margin | 14.23% | 9.73% | 4.19% | 15.71% | 23.03% |
| Continuous Operations Profit Margin | 14.23% | 9.73% | 4.19% | 15.71% | 23.03% |
| Net Income Per EBT | 86.53% | 91.95% | 136.84% | 94.54% | 89.03% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.82% | 0.56% | 0.21% | 0.67% | 0.88% |
| Return on Equity (ROE) | 10.72% | 8.46% | 3.54% | 11.75% | 10.69% |
| Return on Capital Employed (ROCE) | 0.94% | 7.41% | 0.21% | 9.51% | 8.67% |
| Return on Invested Capital (ROIC) | 20.01% | 6.81% | 0.20% | 5.12% | 7.72% |
| Return on Tangible Assets | 0.82% | 0.56% | 0.21% | 0.67% | 0.88% |
| Earnings Yield | 10.98% | 10.25% | 4.13% | 10.54% | 10.94% |
| Efficiency Ratios | |||||
| Receivables Turnover | 15.42 | 15.17 | 13.13 | 13.25 | 14.96 |
| 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 | 3.65 | 3.38 | 2.71 | 2.70 | 2.73 |
| Asset Turnover | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.14 | -0.10 | -0.13 | -0.08 | -0.07 |
| Cash Conversion Cycle | 23.67 | 24.07 | 27.80 | 27.54 | 24.40 |
| Days of Sales Outstanding | 23.67 | 24.07 | 27.80 | 27.54 | 24.40 |
| 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 | 23.67 | 24.07 | 27.80 | 27.54 | 24.40 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 4.64 | 2.13 | 0.69 | 5.09 | 6.23 |
| Free Cash Flow Per Share | 4.44 | 2.05 | -0.88 | 4.04 | 6.07 |
| Dividend Paid and CapEx Coverage Ratio | 3.74 | 1.90 | 0.26 | 2.43 | 5.12 |
| Capital Expenditure Coverage Ratio | 22.79 | 26.56 | 0.44 | 4.82 | 37.80 |
| Operating Cash Flow Coverage Ratio | 1.53 | 1.07 | 0.04 | 0.23 | 0.98 |
| Operating Cash Flow to Sales Ratio | 0.21 | 0.10 | 0.04 | 0.33 | 0.46 |
| Free Cash Flow Yield | 15.43% | 10.14% | -4.55% | 17.66% | 21.11% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 9.10 | 9.77 | 24.21 | 9.48 | 9.14 |
| Price-to-Sales (P/S) Ratio | 1.30 | 0.95 | 1.02 | 1.49 | 2.11 |
| Price-to-Book (P/B) Ratio | 0.98 | 0.82 | 0.86 | 1.11 | 0.98 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 6.48 | 9.86 | -21.95 | 5.66 | 4.74 |
| Price-to-Operating Cash Flow Ratio | 6.20 | 9.49 | 27.99 | 4.49 | 4.61 |
| Price-to-Earnings Growth (PEG) Ratio | 0.17 | 0.06 | -0.36 | -0.37 | 0.41 |
| Enterprise Value Multiple | 6.56 | 6.28 | 33.81 | 13.80 | 8.16 |
| Enterprise Value | 93.75M | 58.59M | 114.06M | 137.16M | 108.48M |
| EV to EBITDA | 6.56 | 6.28 | 33.81 | 13.80 | 8.16 |
| EV to Sales | 1.19 | 0.78 | 1.73 | 2.59 | 2.33 |
| EV to Free Cash Flow | 5.94 | 8.13 | -37.32 | 9.85 | 5.24 |
| EV to Operating Cash Flow | 5.68 | 7.82 | 47.58 | 7.81 | 5.10 |
| Tangible Book Value Per Share | 28.59 | 23.65 | 21.64 | 19.63 | 28.52 |
| Shareholders’ Equity Per Share | 29.46 | 24.52 | 22.53 | 20.52 | 29.42 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.13 | 0.08 | -0.37 | 0.05 | 0.11 |
| Revenue Per Share | 22.19 | 21.33 | 19.01 | 15.35 | 13.66 |
| Net Income Per Share | 3.16 | 2.07 | 0.80 | 2.41 | 3.15 |
| Tax Burden | 0.87 | 0.92 | 1.37 | 0.95 | 0.89 |
| 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 | 0.21 | 0.32 | 0.41 | 0.43 | 0.42 |
| Stock-Based Compensation to Revenue | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 1.47 | 1.03 | 0.87 | 2.11 | 1.98 |
Currency in USD
