F & M Bank Corp. Financial Ratios — FMBM Stock

Profitability (USD)

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	10.37	9.86	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
Return on Assets (%)	0.85	0.84	0.82	1	1.32	1.36	1.2	1.15	0.57	0.99	0.98	0.67	0.22	0.56	0.84
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
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
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	30.1	28.91	23.29	30.54	35.9	36.89	34.54	24.49	10.64	23.27	28.49	19.25	4.89	17.86	24.89
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
Net Income to Common Margin (%)	19.4	19.84	18.69	21.29	24.76	26.05	22.2	20.86	10.17	19.77	24.91	18.2	6.7	16.42	21.54
Effective Tax Rate (%)	34.69	29.34	17.9	28.17	25.17	24.1	32.38	10.54	- -	11.38	10.97	5.46	- -	8.05	13.47
Dvd Payout Ratio (%)	30.48	30.77	34.6	36.5	29.2	27.75	34.33	46.14	73.46	38.1	32.22	43.16	130.35	50.1	32.89
Sustainable Growth Rate (%)	7.21	6.82	5.99	6.52	9.07	9.69	7.63	5.72	1.36	6.23	7.82	4.83	-0.85	3.63	7.12

Credit (USD)

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	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	72	70	22	20	73	104	70	70	63	33	22	77	67	7	10
ST Debt	15	22	- -	10	25	40	20	30	10	- -	- -	70	60	- -	- -
LT Debt	57	48	22	10	48	64	50	40	53	33	22	7	7	7	10
Total Debt/EBITDA	110.73	117.75	37.29	32.48	100.57	126.04	70.94	58.37	46.03	25.54	17.63	67.57	49.65	4.97	7.52
Net Debt/EBITDA	98.48	102.29	26.04	20.79	88.85	115.85	58.83	49.3	39.3	15.98	8.35	51.21	34.84	-8.88	-7.9
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.47	8.62	9.32	9.75	9.69	9.51	10.23	10.41	10.08	9.02	7.83	8.04	7.59	7.84	7.98
Long-Term Debt/Equity (%)	124.08	97.01	40.06	12.69	58.06	74.11	54.49	44	58.1	34.72	21.67	9.73	8.85	8.1	9.46
Long-Term Debt/Capital (%)	47.54	39.2	29.45	11.13	32.63	35.03	32.1	25.52	35.35	26.57	18.58	3.89	4.2	6.4	8.29
Long-Term Debt/Total Assets (%)	10.11	8.03	3.92	1.63	7.24	8.62	6.6	5.16	6.54	3.43	1.79	0.55	0.54	0.54	0.72
Total Debt/Equity (%)	156.56	142.57	40.06	25.55	88.14	120.25	76.4	76.82	69.02	34.72	21.67	108.61	85.46	8.1	9.46
Total Debt/Capital (%)	59.98	57.62	29.45	22.4	49.54	56.84	45.01	44.55	42	26.57	18.58	43.41	40.51	6.4	8.29
Total Debt/Total Assets (%)	12.76	11.8	3.92	3.28	10.99	13.99	9.26	9.01	7.76	3.43	1.79	6.17	5.17	0.54	0.72
Net Debt to Equity	139.23	123.85	27.98	16.35	77.87	110.53	63.35	64.89	58.92	21.73	10.27	82.32	59.96	-14.47	-9.93
Net Debt/Capital (%)	57.14	54.15	22.57	15.59	46.45	54.76	40.43	40.43	38.2	18.46	9.76	36.77	32.33	-13.91	-10.49
EBITDA	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
EBITDA-CapEx	- -	- -	- -	- -	-1	-3	-6	-2	-1	1	1	-3	-4	1	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.47	8.62	9.32	9.75	9.69	9.51	10.23	10.41	10.08	9.02	7.83	8.04	7.59	7.84	7.98
Long-Term Debt/Equity (%)	124.08	97.01	40.06	12.69	58.06	74.11	54.49	44	58.1	34.72	21.67	9.73	8.85	8.1	9.46
Long-Term Debt/Capital (%)	47.54	39.2	29.45	11.13	32.63	35.03	32.1	25.52	35.35	26.57	18.58	3.89	4.2	6.4	8.29
Long-Term Debt/Total Assets (%)	10.11	8.03	3.92	1.63	7.24	8.62	6.6	5.16	6.54	3.43	1.79	0.55	0.54	0.54	0.72
Total Debt/Equity (%)	156.56	142.57	40.06	25.55	88.14	120.25	76.4	76.82	69.02	34.72	21.67	108.61	85.46	8.1	9.46
Total Debt/Capital (%)	59.98	57.62	29.45	22.4	49.54	56.84	45.01	44.55	42	26.57	18.58	43.41	40.51	6.4	8.29
Total Debt/Total Assets (%)	12.76	11.8	3.92	3.28	10.99	13.99	9.26	9.01	7.76	3.43	1.79	6.17	5.17	0.54	0.72
CFO/Total Liabilities	1.65	1.46	3.67	1.58	1.68	2.37	1.04	1.73	2.13	0.21	1.9	1.5	0.18	0.59	1.3
CFO/CapEx	42.54	14.14	27.66	15.31	5.4	4.39	1.06	3.96	6.46	2.49	37.8	4.82	0.4	25.29	22.79
Altman's Z-Score	0.17	0.18	0.2	0.21	0.23	0.23	0.26	0.25	0.24	0.2	0.18	0.17	0.15	0.16	0.18

Working Capital (USD)

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	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	12.66	14.04	15.76	16.8	18.88	19.96	20.42	19.74	20.02	18.08	14.49	12.85	9.17	8.89	10.37
Days Sales Outstanding	28.83	25.99	23.16	21.73	19.33	18.29	17.88	18.49	18.24	20.19	25.2	28.4	39.82	41.04	35.21
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	34	38	46	61	75	86	108	97	92	74	98	79	68	71	102
- Cash & Cash Equivalents	8	9	7	7	9	8	12	11	9	12	11	19	20	19	20
+ Preferred Equity and Hybrid Capital	- -	- -	- -	9	9	8	8	6	5	5	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	1	1	1	1	1	- -	- -	- -	- -	- -	- -
+ Total Debt	72	70	22	20	73	104	70	70	63	33	22	77	67	7	10
Enterprise Value	85	91	32	70	136	165	146	154	147	-8	-295	-255	-254	-269	68
Total Capital	121	122	74	89	148	183	155	158	150	125	117	177	165	109	120
Total Debt/Capital (%)	59.98	57.62	29.45	22.4	49.54	56.84	45.01	44.55	42	26.57	18.58	43.41	40.51	6.4	8.29
Total Debt / EV	0.85	0.77	0.69	0.28	0.54	0.63	0.48	0.46	0.43	-4.18	-0.07	-0.3	-0.26	-0.03	0.15
EV/Sales	3.52	3.68	1.25	2.63	4.27	4.73	3.76	3.83	3.57	- -	- -	- -	- -	0.45	1.31
EV/EBITDA	130.11	152.05	54.37	114.68	187.41	199.31	148.06	128.28	107.29	- -	- -	- -	- -	14.35	51.79
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	9.87	11.36	1.73	8.4	13.94	10.58	21.23	12.99	9.58	- -	- -	- -	- -	2.69	4.14
EV/Free Cash Flow to Firm	9.64	10.61	1.67	7.88	11.76	8.61	10.91	10.37	8.3	- -	- -	- -	- -	2.59	3.96
Diluted Market Cap	34	38	46	61	75	86	108	97	94	74	98	79	68	71	102
Diluted Enterprise Value	98	100	62	83	149	190	174	163	153	99	108	137	115	59	92
EV per Share	34.68	36.42	12.63	22.5	41.4	50.22	44.51	47.69	46.19	- -	- -	- -	- -	5.72	19.21
TTM Sales	24	25	25	27	32	35	39	40	41	43	42	46	41	44	52
TTM EBITDA	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	9	8	18	8	10	16	7	12	15	2	21	18	2	7	17
TTM Free Cash Flow to Firm	9	9	19	9	12	19	13	15	18	3	22	21	8	7	17

Multiples (USD)

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	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	3.81	4.44	2.44	6.83	6.45	4.47	8.11	6.53	5.28	28.43	4.49	3.72	8.89	9.6	5.93
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	85	91	32	70	136	165	146	154	147	-8	-295	-255	-254	-269	68
Low Price	11.75	13.61	15.05	17.15	19.11	21.3	26.45	28.11	25.15	16.15	23	22.07	15	15.15	17.76
EV/Sales	3.52	3.68	1.25	2.63	4.27	4.73	3.76	3.83	3.57	- -	- -	- -	- -	0.45	1.31
EV/EBITDA	130.11	152.05	54.37	114.68	187.41	199.31	148.06	128.28	107.29	- -	- -	- -	- -	14.35	51.79
Price/Earnings	7.16	7.77	9.82	10.72	9.45	9.42	12.59	11.54	22.05	8.64	9.31	9.48	24.43	9.77	9.1
Price/Earnings Average	7.03	7.85	9.16	10.08	8.93	8.84	11.23	13.6	22.23	7.99	9.1	11.09	25.8	9.25	7.21
Price/Earnings High	8.1	9.65	10.09	10.94	10.24	9.76	13.12	15.39	27.15	11.35	9.62	13.27	28.99	11.52	9.1
Price/Earnings Low	6.14	6.93	7.99	9.43	7.95	7.7	10.06	10.82	19.13	6.06	7.45	9.15	18.99	7.32	5.62
Price/Book Value	0.7	0.74	0.9	1.03	1.16	1.21	1.4	1.2	1.13	0.84	1.03	0.79	0.69	0.7	0.93
Price/Book Value Average	0.69	0.75	0.84	0.97	1.09	1.13	1.25	1.41	1.14	0.78	1.01	0.92	0.73	0.66	0.74
Price/Book Value High	0.79	0.92	0.92	1.05	1.26	1.25	1.46	1.59	1.39	1.11	1.06	1.1	0.82	0.82	0.93
Price/Book Value Low	0.6	0.66	0.73	0.91	0.98	0.99	1.12	1.12	0.98	0.59	0.82	0.76	0.54	0.52	0.58
Price/Tangible Book Value	0.77	0.81	0.9	0.93	1.05	1.12	1.34	1.17	1.1	0.83	1.01	1.17	0.9	0.86	1
Price/Tangible Book Value Average	0.76	0.82	0.84	0.87	1	1.05	1.19	1.38	1.11	0.77	0.99	1.36	0.95	0.81	0.8
Price/Tangible Book Value High	0.87	1.01	0.92	0.94	1.14	1.16	1.39	1.56	1.35	1.1	1.04	1.63	1.07	1.01	1
Price/Tangible Book Value Low	0.66	0.73	0.73	0.81	0.89	0.92	1.07	1.1	0.95	0.59	0.81	1.12	0.7	0.64	0.62
Price/Sales	1.39	1.54	1.84	2.28	2.34	2.45	2.8	2.41	2.24	1.71	2.32	1.73	1.64	1.61	1.96
Price/Sales Average	1.36	1.56	1.71	2.15	2.21	2.3	2.49	2.84	2.26	1.58	2.27	2.02	1.73	1.52	1.55
Price/Sales High	1.57	1.91	1.89	2.33	2.53	2.54	2.91	3.21	2.76	2.24	2.4	2.41	1.94	1.89	1.96
Price/Sales Low	1.19	1.38	1.49	2.01	1.97	2.01	2.23	2.26	1.94	1.2	1.86	1.67	1.27	1.2	1.21
Price/Cash Flow	3.9	4.76	2.53	7.28	7.64	5.49	15.79	8.17	6.02	39.84	4.61	4.49	31.27	9.98	6.19
Price/Cash Flow Average	3.83	4.81	2.36	6.84	7.22	5.15	14.08	9.63	6.07	36.88	4.51	5.25	33.02	9.45	4.91
Price/Cash Flow High	4.41	5.91	2.6	7.43	8.28	5.69	16.46	10.89	7.41	52.38	4.77	6.28	37.1	11.76	6.19
Price/Cash Flow Low	3.34	4.25	2.06	6.4	6.43	4.49	12.62	7.65	5.22	27.96	3.69	4.33	24.3	7.47	3.82
Price/Free Cash Flow Average	3.74	4.49	2.28	6.42	6.09	4.2	7.23	7.69	5.32	26.31	4.39	4.35	9.38	9.09	4.7
Price/Free Cash Flow High	4.31	5.52	2.51	6.97	6.99	4.63	8.46	8.7	6.5	37.37	4.64	5.2	10.54	11.31	5.93
Price/Free Cash Flow Low	3.27	3.97	1.99	6.01	5.43	3.65	6.48	6.12	4.58	19.95	3.59	3.59	6.91	7.19	3.66
EV/Sales Average	4.03	4.05	2.33	2.99	4.55	5.29	4.2	4.46	3.7	2.17	2.51	3.29	2.86	1.24	1.35
EV/Sales High	4.24	4.41	2.5	3.18	4.87	5.53	4.62	4.84	4.19	2.83	2.64	3.69	3.08	1.61	1.76
EV/Sales Low	3.86	3.87	2.11	2.85	4.3	4.99	3.94	3.88	3.38	1.79	2.1	2.94	2.41	0.92	1.01
EV/EBITDA Average	149.26	167.21	101	130.33	199.7	222.98	165.22	149.57	111.02	71.91	86.07	132.24	87.87	39.13	53.57
EV/EBITDA High	156.97	182.01	108.56	138.32	213.96	233.05	181.83	162.07	126.03	93.95	90.46	148.17	94.43	50.88	69.6
EV/EBITDA Low	142.9	159.72	91.56	124.3	189.11	210.43	155.05	130.09	101.52	59.24	71.94	118.11	73.87	29.1	39.98
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	13.7	15.25	18.5	19.5	22.7	26.05	33.1	30	29	23.01	28.75	22.87	19.3	20.23	28.75
High Price	15.5	18.95	19	19.9	24.6	27	34.5	40	35.7	30.25	29.7	31.99	22.9	23.84	28.75
Enterprise Value Average	97	100	59	80	145	184	162	180	152	93	106	150	118	55	71
Enterprise Value High	102	109	63	85	156	193	179	195	173	122	112	169	127	71	92
Enterprise Value Low	93	95	53	76	137	174	152	156	139	77	89	134	100	41	53

Shares Outstanding	2	2	3	3	3	3	3	3	3	3	3	3	3	4	4
Diluted Weighted Avg Shares	2	2	3	3	3	3	3	3	3	3	3	3	4	4	4
Basic Weighted Avg Shares	2	2	3	3	3	3	3	3	3	3	3	3	4	4	4
Revenue per Share	9.86	9.9	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
EBITDA per Share	0.27	0.24	0.23	0.2	0.22	0.25	0.3	0.37	0.43	0.41	0.36	0.33	0.38	0.4	0.37
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 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
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
Cash Flow per Share	3.51	3.21	7.31	2.68	2.97	4.75	2.1	3.67	4.82	0.58	6.23	5.09	0.62	2.03	4.65
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
Cash & Equivalents per Share	8.62	7.18	14.7	6.53	6.55	10.12	12.39	5.93	4.27	37.29	121.65	119.07	110.8	98.63	12.33
Book Value per Share	19.6	20.6	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
Tangible Book Value per Share	17.76	18.71	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

F & M Bank Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)