F & M Bank Corp.

F & M Bank Corp.

FMBM
F & M Bank Corp.US flagOther OTC
34.00
USD
- -
- -
121.01MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
10.07
8.54
9.71
10.62
11.84
12.46
12.93
13.48
12.4
13.25
11.8
12.6
14.67
15.19
Basic EPS, GAAP
1.88
1.82
2.4
2.77
2.63
2.6
1.32
2.66
3.09
2.41
0.79
2.07
3.16
3.37
Free Cash Flow per Basic Share
7.04
2.51
2.42
3.67
0.11
2.74
4.07
0.35
6.07
4.04
-0.94
1.95
4.44
4.31
Dividend per Share
0.68
0.72
0.89
0.95
1.04
1.33
1.12
1.12
1.05
1.04
1.03
1.04
1.04
1.04
Book Value per Share
20.58
18.92
19.59
21.59
23.58
25.08
25.73
27.26
27.95
29.06
28.02
29
30.86
31.46
Tangible Book Value per Share
20.56
21.06
21.53
23.28
24.73
25.6
26.37
27.56
28.52
19.63
21.45
23.6
28.63
29.05
Basic Weighted Avg Shares
3
3
3
3
3
3
3
3
3
3
4
4
4
4
Sales/Revenue/Turnover
25
27
32
35
39
40
41
43
42
46
41
44
52
54
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Net Income, GAAP
5
6
8
10
9
9
5
9
11
8
3
7
11
12
Effective Tax Rate (%)
17.9
28.17
25.17
24.1
32.38
10.54
- -
11.38
10.97
5.46
- -
8.05
13.47
13.11
Profit Margin (%)
18.69
21.77
26.35
27.44
23.27
21.89
10.93
20.38
25.37
18.2
6.7
16.42
21.54
22.18
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
22
10
48
64
50
40
53
33
22
7
7
7
10
10
Total Equity
54
78
83
87
91
91
92
96
100
71
78
86
105
107
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
9.16
10.26
12.81
13.42
11.62
10.63
5.14
10.07
11.54
8.5
2.79
7.27
10.61
11.13

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
7
10
10
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
4
4
4
Market Capitalization
92
102
109

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
46
44
54
Accounts Receivable, Net
5
5
5
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.23%
3.56%
21.65%
Free Cash Flow
364.82%
287.76%
130.32%
Net Income, GAAP
20.18%
30%
54.14%
Sales/Revenue/Turnover
5.26%
4.28%
17.54%
Total Cash Common Dividend
4.97%
2.12%
1.18%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
10
11
11
12
44
2025
12
13
13
14
52
2026
14
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.35
0.86
0.23
0.64
2.07
2025
0.7
0.83
- -
- -
3.16
2026
0.91
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.26
0.26
0.27
0.26
1.04
2025
0.26
0.26
- -
- -
1.04
2026
0.26
- -
- -
- -
- -

Company Description

APIChat
CEO
Dean W. Withers
Full Time Employees
170
Sector
Financial Services
Industry
Banks - Regional
Address
205 South Main Street Timberville VA United States of America 22853
IPO Date
Mar 16, 1999
Business
F & M Bank Corp. (FMBM) operates as the bank holding company for Farmers & Merchants Bank, providing a range of commercial banking and financial services to individuals and businesses primarily in Virginia. The company offers deposit products including interest-bearing and noninterest-bearing demand deposits, savings accounts, time deposits, and money market accounts; lending products such as residential mortgage and construction loans through F&M Mortgage, consumer installment loans, commercial loans including agricultural loans, credit card loans, home equity loans, business loans, commercial real estate loans, land acquisition and development loans, farmland loans, multi-family loans, and commercial and industrial loans; and additional services encompassing internet and mobile banking, drive-in banking, brokerage services, property/casualty insurance, title insurance through VSTitle, real estate settlement services, and credit life and accident/health insurance reinsurance through subsidiary TEB Life Insurance Company. Founded in 1908 and headquartered in Timberville, Virginia, F & M Bank Corp. maintains 11 branch offices across Rockingham County, Shenandoah County, Augusta County, and the cities of Harrisonburg and Staunton. The company targets consumers, small to medium-sized businesses, agricultural operations, and real estate customers in the Shenandoah Valley region. In recent developments, F & M Bank Corp. announced the purchase of East Market Street property in Harrisonburg to support operational expansion, alongside welcoming Patrick Bankemper as Commercial Banking Relationship Manager and promoting Jonathan Reimer to Northern Market Executive to drive growth in the Winchester market as of July 2025. These leadership and real estate initiatives reflect the company's strategic focus on enhancing its presence and service capabilities in key Virginia communities within the past year. Earlier, in 2022, Farmers & Merchants Bank committed as an investor in BankTech Ventures, LP, a fund supporting fintech innovation for community banks, underscoring ongoing efforts to integrate advanced banking technologies.

Company News

APIChat
  • F&M Bank Corp. Records Boost to Net Income With After-Tax Gain of $3.8 Million

  • F&M Bank Corp. Reports First Quarter 2026 Earnings and Quarterly Dividend

  • F & M Bank (OTCMKTS:FMBM) Share Price Crosses Above 50-Day Moving Average – Time to Sell?

  • Reviewing Winchester Bancorp (NASDAQ:WSBK) & F & M Bank (OTCMKTS:FMBM)

  • Head to Head Contrast: First Commonwealth Financial (NYSE:FCF) and F & M Bank (OTCMKTS:FMBM)

  • Critical Review: F & M Bank (OTCMKTS:FMBM) vs. S&T Bancorp (NASDAQ:STBA)

  • F&M Bank Corp. Reports Fourth Quarter And Year-end Results For 2025, Including Record Earnings For The Year

  • F & M Bank (OTCMKTS:FMBM) & Patriot National Bancorp (NASDAQ:PNBK) Critical Comparison

  • F&M Bank Corp. Reports Third Quarter 2025 and Year-To-Date Earnings and Quarterly Dividend

  • F & M Bank (FMBM) Q2 Margin Jumps 28%

  • F&M Bank Corp. Reports Second Quarter 2025 Earnings And Quarterly Dividend

  • F&M Bank Corp. Announces Authorization of Stock Repurchase Program

  • F&M Bank Corp. Reports First Quarter 2025 Earnings And Quarterly Dividend

  • F&M Bank Corp. Reports Year-End and Fourth Quarter 2024 Earnings and Quarterly Dividend

  • F&M Bank Corp. Reports Third Quarter 2024 Earnings and Quarterly Dividend

  • The F&M Bank Corp. Board of Directors Has Appointed Neil A. Houff As A Member of the Board

  • F&M Bank Corp. Reports Second Quarter 2024 Earnings and Quarterly Dividend

  • F&M Bank Corp. Reports First Quarter 2024 Earnings and Quarterly Dividend

  • F&M Bank Corp. Reports Year-End and Fourth Quarter 2023 Earnings and Quarterly Dividend

  • F&M Bank Corp. Reports Year-to-Date and Third Quarter 2023 Results and Quarterly Dividend