F & M Bank AI Stock Analysis
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F & M Bank (FMBM) AI Stock Analysis
F & M Bank
(Other OTC:FMBM)
The overall score of 81 is driven primarily by the company's excellent financial performance, characterized by record profitability, high margins, and a fortress-like balance sheet with minimal debt. The stock's attractive valuation, with a low P/E ratio and solid dividend yield, further supports the positive outlook. The technical trend is bullish, confirming positive market momentum. The primary risk is the stock's low beta, which may limit upside in strong market rallies, but this is a minor factor compared to the company's fundamental strength.
F & M Bank (FMBM) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $163.48M
- Dividend Yield
- 2.26%
- Average Volume (3M)
- 3,469
- Price to Earnings (P/E)
- 11.6
- Beta (1Y)
- -0.06
- Revenue Growth
- 8.69%
- EPS Growth
- 32.50%
- Country
- US
- Employees
- 173
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
F & M Bank Business Overview & Revenue Model
Company Description
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, s...
How the Company Makes Money
FMBM makes money primarily through its banking subsidiary by earning interest income on loans and investment securities and paying interest on deposits and other borrowings, with the difference between these amounts (net interest income) typically re...
F & M Bank Financial Statement Overview
Summary
Strong financial health with record TTM net income of $14.4M, expanding margins (17.8% net profit margin), and excellent cash conversion (0.94 FCF/NI ratio). The balance sheet is conservative with a 0.09 debt-to-equity ratio and a 13.6% return on equity, indicating efficient and low-risk operations.
Income Statement
85Very PositiveBalance Sheet
90Very PositiveCash Flow
85Very Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 85.17M | 78.92M | 74.91M | 66.09M | 52.94M | 46.63M |
| Gross Profit | 57.40M | 50.00M | 42.01M | 40.36M | 44.83M | 45.15M |
| EBITDA | 17.39M | 14.29M | 9.33M | 3.37M | 9.94M | 13.30M |
| Net Income | 14.12M | 11.23M | 7.29M | 2.77M | 8.32M | 10.74M |
Balance Sheet | ||||||
| Total Assets | 1.42B | 1.37B | 1.30B | 1.29B | 1.25B | 1.22B |
| Cash, Cash Equivalents and Short-Term Investments | 0 | 67.84M | 58.03M | 19.79M | 410.71M | 415.34M |
| Total Debt | 9.93M | 10.79M | 6.97M | 66.93M | 76.89M | 21.77M |
| Total Liabilities | 1.31B | 1.27B | 1.22B | 1.22B | 1.18B | 1.12B |
| Stockholders Equity | 110.40M | 104.79M | 86.14M | 78.32M | 70.79M | 100.46M |
Cash Flow | ||||||
| Free Cash Flow | 11.50M | 15.78M | 7.21M | -3.06M | 13.93M | 20.72M |
| Operating Cash Flow | 12.65M | 16.50M | 7.49M | 2.40M | 17.57M | 21.28M |
| Investing Cash Flow | -58.56M | -53.86M | 27.22M | -50.20M | -125.57M | -243.70M |
| Financing Cash Flow | 22.27M | 49.25M | -1.47M | 36.57M | 54.83M | 232.13M |
F & M Bank Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FMBM, the sentiment is Positive. The current price of 45.99 is above the 20-day moving average (MA) of 42.60, above the 50-day MA of 41.15, and above the 200-day MA of 35.86, indicating a bullish trend. The MACD of 1.40 indicates Negative momentum. The RSI at 87.68 is Negative, neither overbought nor oversold. The STOCH value of 75.91 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FMBM.
F & M Bank Peers Comparison
Overall Rating
- FMBM81Outperform
LSBK79Outperform
AUBN73Outperform
PBHC58Neutral
RVSB49Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| FMBM | 81Outperform | $163.48M | 11.58 | 13.01% | 2.26% | 8.69% | 32.50% |
| LSBK | 79Outperform | $146.34M | 16.93 | 5.85% | 1.90% | 4.31% | 24.65% |
| AUBN | 73Outperform | $88.41M | 10.20 | 9.42% | 4.25% | 4.68% | 21.56% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| PBHC | 58Neutral | $107.04M | -42.33 | 0.08% | 2.38% | -6.61% | -78.36% |
| RVSB | 49Neutral | $131.85M | -46.20 | -2.02% | 1.20% | -10.03% | -162.70% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| FMBM | F & M Bank Corp. | 45.99 | 20.03 | 77.15% | |
| AUBN | Auburn National Bancorporation | 25.41 | 1.26 | 5.23% | |
| LSBK | Lake Shore Bancorp | 18.96 | 5.01 | 35.88% | |
| PBHC | Pathfinder | 17.05 | 2.64 | 18.29% | |
| RVSB | Riverview | 6.68 | 1.69 | 33.98% |
F & M Bank Corporate Events
F & M Bank Expands Equity Incentives Amid Board Transition
PositiveOn September 24, 2026, F & M Bank Corp. announced that director Michael W. Pugh retired from its board of directors, effective immediately, after reaching the mandatory retirement age stipulated in the company’s amended and restated bylaws. The same...
F & M Bank Appoints Erica Truban to Board
PositiveOn August 25, 2026, F & M Bank Corp. appointed Erica N. Truban to its Board of Directors and to the board of its subsidiary, Farmers & Merchants Bank, to serve until the next annual shareholders’ meeting. A Certified Public Accountant and Certified I...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Sep 28, 2026