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    Banks - Regional
The Farmers Bank of Appomattox

The Farmers Bank of Appomattox

FBPA
The Farmers Bank of AppomattoxUS flagOther OTC
30.00
USD
- -
- -
32.52MMarket Cap
The Farmers Bank of Appomattox
FBPA
(Other OTC)

Recent

price

30.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
7.73
7.63
8.08
8.98
8.83
9.04
8.99
9.09
10.12
10.61
10.71
11.57
- -
13.33
Revenue per Share
1.86
1.86
2.05
2.38
2.18
2.14
2.39
2.45
3.06
2.96
2.67
2.5
- -
3.03
Basic EPS, GAAP
2.16
1.7
1.82
1.65
2.02
2.77
2.21
2.19
3.51
3.89
2.95
0.68
- -
- -
Free Cash Flow per Basic Share
0.75
0.7
0.7
0.75
0.83
0.87
0.82
0.9
1.03
1.15
1.05
1
- -
- -
Dividend per Share
22.51
23.67
25.03
26.65
28.16
29.43
31
32.55
34.57
36.38
37.8
39.31
- -
41.3
Book Value per Share
22.61
24.56
25.76
26.98
28.11
28.91
31
33.43
34.86
25.65
30.11
31.39
- -
35.25
Tangible Book Value per Share
1
1
1
1
1
1
1
1
1
1
1
1
- -
1
Basic Weighted Avg Shares
8
8
9
10
10
10
10
10
11
11
12
13
14
14
Sales/Revenue/Turnover
30.78
30.56
33.07
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2
2
2
3
2
2
3
3
3
3
3
3
3
3
Net Income, GAAP
21.75
20.26
23.16
13.68
18.38
13.74
15.41
14.95
13.64
12.42
12.93
13.35
14.57
14.59
Effective Tax Rate (%)
24.09
24.37
25.41
26.46
24.74
23.64
26.6
26.91
30.2
27.9
24.94
21.64
23.49
22.76
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
25
27
28
29
30
31
34
36
38
28
33
34
39
38
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
8.05
8.44
9.2
7.97
7.42
7.91
7.7
9.1
8.34
7.2
6.5
7.51
7.52
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1
1
1
Market Capitalization
29
28
30

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
95
7
92
Accounts Receivable, Net
2
2
2
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
1
1
1
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.08%
2.8%
14.5%
Free Cash Flow
47.91%
90.01%
479.7%
Net Income, GAAP
4.62%
5.3%
20.78%
Sales/Revenue/Turnover
4.88%
7.27%
11.25%
Total Cash Common Dividend
4.44%
3.54%
5.08%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3
3
3
3
13
2025
3
4
4
4
14
2026
4
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.58
0.59
0.63
- -
2.5
2025
0.59
0.78
0.74
- -
- -
2026
0.6
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
The Farmers Bank of Appomattox (OTC: FBPA) operates as a community bank providing personal and commercial banking products and services in central Virginia. The bank offers deposit products including noninterest-bearing demand accounts, interest-bearing demand accounts, savings accounts, individual retirement accounts, and certificates of deposit; lending products encompassing residential real estate mortgages, commercial real estate loans, home equity lines, agricultural loans, equipment financing, auto loans, personal loans, and commercial credit lines; and ancillary services such as check cards, credit cards, gift cards, safe deposit boxes, automated teller machines, cash management, merchant and night deposit facilities, internet banking, mobile banking, online bill pay, wire transfers, overdraft protection, cashier's checks, and savings bonds redemption. Through its wholly owned subsidiary, Farmers Bank Financial Services, Inc., the bank maintains investments in insurance entities and facilitates client access to home, auto, and personal insurance quotes via Bearing Insurance. The bank maintains branches in Appomattox, Concord, Triangle Plaza, Farmville, and Dillwyn, Virginia, serving customers primarily in Appomattox, Buckingham, Campbell, Prince Edward counties, and the City of Lynchburg; operations expanded with the opening of a new Timberlake Road branch in Lynchburg during early 2025. Founded in 1919 and headquartered at 223 Main Street in Appomattox, Virginia, the institution employs approximately 40 staff and reports total assets of $366.1 million as of June 30, 2025. In recent strategic developments, the bank pursued deposit growth via $20 million in brokered deposits during 2023 to fund investment purchases including mortgage-backed securities and SBA bonds, enhancing portfolio yields to 2.49% on a tax-exempt basis and driving total assets to $345.1 million by year-end. Loan growth continued into 2025, with a $6.14 million increase in the first half amid a composite yield of 6.31%, supporting net income of $1.49 million for the period, up 17.2% year-over-year. The bank opened its Lynchburg branch as planned in first-quarter 2025 and sustains a semi-annual dividend policy, with the most recent payout at $0.55 per share yielding 4.02% trailing twelve months.