F & M Bank Corp.

FMBM

FMBMF & M Bank Corp. US flag

Other OTC

34.00

USD

- -

121.01MMarket Cap

Income Statement (USD)

API Chat

	2011 Y	2012 Y	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
Sales/Revenue/Turnover	24	25	25	27	32	35	39	40	41	43	42	46	41	44	52
+ Sales & Services Revenue	24	25	25	27	32	35	39	40	41	43	42	46	41	44	52
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	8	9	9	9	12	16	18	20	18	18	20	24	28	19	21
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-8	-9	-9	-9	-12	-16	-18	-20	-18	-18	-20	-24	-28	-19	-21
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-7	-7	-6	-8	-11	-13	-13	-10	-4	-10	-12	-9	-2	-8	-13
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-7	-7	-6	-8	-11	-13	-13	-10	-4	-10	-12	-9	-2	-8	-13
Pretax Income	7	7	6	8	11	13	13	10	4	10	12	9	2	8	13
- Income Tax Expense (Benefit)	3	2	1	2	3	3	4	1	- -	1	1	- -	-1	1	2
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	5	5	5	6	9	10	9	9	5	9	11	8	3	7	11
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	5	5	5	6	8	9	9	9	4	9	11	8	3	7	11
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	5	5	5	6	8	10	9	9	5	9	11	8	3	7	11
- Preferred Dividends	- -	- -	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	5	5	5	6	8	9	9	8	4	9	11	8	3	7	11
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
EBITDA Margin (%)	2.7	2.42	2.31	2.3	2.28	2.37	2.54	2.98	3.33	3.01	2.92	2.49	3.26	3.17	2.53
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	19.4	19.84	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
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.6	0.64	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
Depreciation Expense	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Basic Weighted Avg Shares	2	2	3	3	3	3	3	3	3	3	3	3	4	4	4
Basic EPS, GAAP	1.91	1.96	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
Basic EPS from Cont Ops	1.94	2.02	1.93	1.87	2.61	2.97	2.77	2.73	1.45	2.78	3.15	2.41	0.79	2.07	3.16
Diluted Weighted Avg Shares	2	2	3	3	3	3	3	3	3	3	3	3	4	4	4
Diluted EPS, GAAP	1.91	1.96	1.88	1.82	2.4	2.77	2.63	2.6	1.3	2.66	3.09	2.41	0.79	2.07	3.16
Diluted EPS from Cont Ops	1.94	2.02	1.93	1.87	2.61	2.97	2.77	2.73	1.44	2.78	3.15	2.41	0.79	2.07	3.16

Balance Sheet (USD)

API Chat

	2011 Y	2012 Y	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
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	21	18	37	20	22	33	41	19	14	119	415	411	389	347	44
+ Cash & Cash Equivalents	8	9	7	7	9	8	12	11	9	12	11	19	20	19	20
+ ST Investments	13	9	30	13	13	25	29	8	4	107	404	392	369	328	23
+ Accounts & Notes Receiv	2	2	1	2	2	2	2	2	2	3	3	4	5	5	5
+ Accounts Receivable, Net	2	2	1	2	2	2	2	2	2	3	3	4	5	5	5
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-23	-20	-38	-22	-23	-35	-43	-21	-16	-122	-418	-415	-394	-352	-49
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	6	6	7	6	8	10	16	18	19	18	17	20	24	22	22
+ Property, Plant & Equip	13	14	14	15	16	19	26	29	31	31	30	34	37	36	37
- Accumulated Depreciation	7	7	8	8	9	9	10	11	12	13	13	14	13	14	15
+ LT Investments & Receivables	22	19	38	22	25	39	41	22	18	118	413	404	374	331	348
+ LT Investments	22	19	38	22	25	39	41	22	18	118	413	404	374	331	348
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-29	-25	-45	-29	-33	-50	-57	-40	-37	-136	-430	-423	-398	-353	-369
+ Total Intangible Assets	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3
+ Goodwill	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-31	-28	-48	-31	-36	-52	-60	-42	-40	-139	-433	-426	-401	-356	-372
Total Assets	567	597	553	605	665	745	753	780	814	967	1,219	1,246	1,295	1,302	1,374
+ Payables & Accruals	9	11	9	12	15	17	18	17	18	- -	- -	- -	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	9	11	9	12	15	17	18	17	18	- -	- -	- -	- -	- -	- -
+ ST Debt	15	22	- -	10	25	40	20	30	10	- -	- -	70	60	- -	- -
+ ST Borrowings	15	- -	- -	- -	25	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-24	-34	-9	-22	-40	-57	-38	-47	-28	- -	- -	-70	-60	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-24	-34	-9	-22	-40	-57	-38	-47	-28	- -	- -	-70	-60	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	57	48	22	10	48	64	50	40	53	33	22	7	7	7	10
+ LT Borrowings	57	48	22	10	48	64	50	40	53	33	22	7	7	7	10
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-57	-48	-22	-10	-48	-64	-50	-40	-53	-33	-22	-7	-7	-7	-10
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-57	-48	-22	-10	-48	-64	-50	-40	-53	-33	-22	-7	-7	-7	-10
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	521	548	499	528	582	658	662	688	722	871	1,119	1,175	1,216	1,216	1,269
+ Preferred Equity and Hybrid Capital	- -	- -	- -	9	9	8	8	6	5	5	- -	- -	- -	- -	- -
+ Share Capital & APIC	12	12	16	28	28	27	26	24	24	23	27	28	28	29	29
+ Common Stock	12	12	13	16	16	16	16	16	16	16	17	17	17	17	17
+ Additional Paid in Capital	- -	- -	3	11	11	11	10	8	8	7	10	11	11	11	12
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	36	39	39	43	48	55	61	65	66	71	78	83	81	85	92
+ Other Equity	-2	-2	-1	-2	-3	-3	-4	-4	-3	-3	-5	-40	-31	-27	-17
Equity Before Minority Interest	46	49	54	77	82	86	91	91	91	96	100	71	78	86	105
+ Minority/Non Controlling Interest	- -	- -	- -	- -	1	1	1	1	1	- -	- -	- -	- -	- -	- -
Total Equity	46	49	54	78	83	87	91	91	92	96	100	71	78	86	105
Total Liabilities & Equity	567	597	553	605	665	745	753	780	814	967	1,219	1,246	1,295	1,302	1,374
Shares Outstanding	2	2	3	3	3	3	3	3	3	3	3	3	3	4	4
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	64	39	15	3	65	56	38	29	44	21	10	-12	-13	-12	-10
Net Debt to Equity	139.23	78.29	27.98	3.5	77.87	64.38	41.44	32.06	48	21.73	10.27	-16.56	-16.64	-14.47	-9.93
Tangible Common Equity Ratio	7.71	7.86	9.36	10.9	10.69	10.29	10.78	10.66	10.37	9.15	8.01	5.45	5.83	6.39	7.42
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2011 Y	2012 Y	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
+ Net Income	5	5	5	6	8	10	9	9	5	9	11	8	3	7	11
+ Depreciation & Amortization	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
+ Non-Cash Items	3	- -	13	3	-1	4	-3	3	8	-8	9	5	2	2	2
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Income Taxes	-1	- -	-1	-1	- -	- -	- -	- -	-1	-1	- -	- -	- -	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	4	-1	13	3	-1	4	-3	3	9	-7	8	5	1	2	2
+ Chg in Non-Cash Work Cap	1	3	- -	-1	1	1	- -	-1	1	-1	- -	3	-4	-3	2
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	- -	-1	-1	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	3	1	2	1	1	2	1	-1	2	1	-2	3	1	-2	-1
+ Inc (Dec) in Other	-2	2	-2	-2	- -	-1	-1	- -	- -	-1	3	1	-4	-1	3
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	9	8	18	8	10	16	7	12	15	2	21	18	2	7	17
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	-1	-1	-1	-2	-4	-6	-3	-2	-1	-1	-4	-5	- -	-1
+ Acq of Fixed Prod Assets	- -	-1	-1	-1	-2	-4	-6	-3	-2	-1	-1	-4	-5	- -	-1
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	2	- -	- -	12	- -	- -	- -	-2	-2	- -	- -	- -	- -	- -	- -
+ Increase in Capital Stock	2	- -	- -	12	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	-1	- -	-2	-2	- -	- -	- -	- -	- -	- -
+ Net Change in LT Investment	2	3	-20	16	-4	-15	-3	19	3	-102	-302	-37	34	45	-4
+ Dec in LT Investment	24	21	11	28	8	32	87	22	8	25	45	71	34	91	67
+ Inc in LT Investment	-22	-18	-31	-12	-12	-47	-89	-3	-5	-126	-347	-108	- -	-46	-71
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	-1	- -	- -	-1	14	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	14	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	-1	- -	- -	-1	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-45	-33	49	-52	-68	-57	- -	-47	21	-39	45	-85	-78	-18	-49
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-44	-31	28	-37	-73	-76	-10	-32	21	-142	-244	-126	-50	28	-54
+ Dividends Paid	-1	-2	-2	-2	-3	-3	-3	-4	-4	-4	-4	-4	-4	-4	-4
+ Net Cash From Debt	12	-9	-26	-9	38	16	-15	-10	13	-20	-11	-15	- -	- -	3
+ Cash From Debt	6	- -	- -	10	40	20	- -	- -	30	72	- -	- -	- -	- -	10
+ Repayments of Debt	5	-9	-26	-19	-2	-4	-15	-10	-17	-92	-11	-15	- -	- -	-7
+ Other Financing Activities	11	34	-21	45	14	55	17	34	20	167	247	73	40	2	50
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	23	23	-49	46	49	68	-1	19	28	143	232	55	37	-1	49
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-12	- -	-2	17	-15	8	-4	-1	65	3	10	-53	-11	33	12
EBITDA	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
EBITDA Margin (%)	2.7	2.42	2.31	2.3	2.28	2.37	2.54	2.98	3.33	3.01	2.92	2.49	3.26	3.17	2.53
Free Cash Flow	8	7	18	8	8	12	- -	9	13	1	21	14	-3	7	16
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	1	- -	- -	1	-14	- -	- -	- -	- -
Free Cash Flow to Firm	8	7	18	8	8	12	- -	9	- -	1	21	14	- -	7	16
Free Cash Flow to Equity	20	-2	-9	8	46	26	-15	-3	25	-19	5	-1	-3	7	19
Free Cash Flow per Basic Share	3.43	2.98	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
Price/Free Cash Flow	2.27	2.76	1.58	4.58	4.58	3.21	6.09	5	4.19	23.67	3.88	3.34	8.42	9.6	5.93
Cash Flow to Net Income	1.84	1.63	3.88	1.44	1.16	1.63	0.76	1.35	3.41	0.21	1.98	2.11	0.78	0.98	1.47
Capital Expenditures	- -	-1	-1	-1	-2	-4	-6	-3	-2	-1	-1	-4	-5	- -	-1