Financial Services
F & M Bank Corp.(FMBM)
Live Price
Offline$36.12
+0.00% today
1Y Change
+69.88%
Window
Jun 25, 2025 โ Jun 24, 2026
- Market Cap
- $120.00M
- Revenue Growth
- +5.4%
- EPS Growth
- +52.7%
- Dividend Yield
- 3.1%
Coverage: 250 bars ยท Jun 25, 2025 โ Jun 24, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
F & M Bank Corp. (FMBM) is a Financial Services stock with a market cap of $120.00M and listed on OTC. The stock last traded around $36.12 and up 69.9% across the available one-year price window (Jun 25, 2025 โ Jun 24, 2026). Baseline metrics include revenue growth of +5.4%, EPS growth of +52.7%, a dividend yield of 3.1%. What stands out right now is revenue +5.4%, EPS +52.7%, free cash flow +118.9% with operating margin 18.1% and ROIC -388.4%. The dividend matters to the case here, with a current yield around 3.1%. Valuation is more restrained than many high-expectation growth names at P/E 9.8 and price/sales 1.5. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines FMBM price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Near sector median
+5.4% vs +3.4% peer median
Operating Margin
Above sector median
+18.1% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 27, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +5.4% and EPS at +52.7%, with operating margin around 18.1%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 3.1%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +2.6% over the next 5 trading days and finished higher after 3 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 27, 2026 | โ | +0.0% | +3.3% | +5.5% |
2026 Jan 30, 2026 | โ | +1.3% | +3.8% | +4.5% |
2025 Oct 28, 2025 | โ | -0.4% | +0.6% | +0.1% |
Benchmark Edge
FMBM vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
FMBM
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
FMBM Max Drawdown
-4.94%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for FMBM and SPY.
Company Overview
F & M Bank Corp.
Other OTC
F & M Bank Corp. operates as the bank holding company for Farmers & Merchants Bank that provides commercial banking services in Virginia. The company offers commercial and individual demand and time deposit accounts, savings accounts, checking accounts, money market accounts, internet and mobile banking services, and drive-in banking services. It also provides construction loans, including residential, and land acquisition and development loans; commercial real estate loans; business loans; consumer loans, such as personal loans and lines of credit, automobile loans, deposit account loans, installment and demand loans, and home equity loans; residential mortgage loans; credit cards; dealer finance; farmland loans; multi-family loans; and commercial and industrial loans. In addition, the company offers brokerage services; and life, and commercial and personal insurance products, as well as safe deposit boxes. Further, it originates conventional and government sponsored mortgages; and title insurance and real estate settlement services. As of December 31, 2021, the company operated thirteen banking offices in Rockingham, Shenandoah, Page, and Augusta counties; and a loan production office located in Penn Laird. F & M Bank Corp. was founded in 1908 and is headquartered in Timberville, Virginia.
- Leadership
- Dean W. Withers
- IPO Date
- Mar 16, 1999
- Employees
- 170
- Street Address
- 205 South Main Street
- Mailing
- Timberville, VA, 22853
- Region
- Timberville, VA, US
- Reporting Currency
- USD
- Investor Line
- 540 896 8941
- Last Updated
- Apr 29, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 9.8
- EV/EBITDA
- 8.0
- Price/Sales
- 1.5
- Price/Book
- 1.1
Growth
- Revenue
- +5.4%
- EPS
- +52.7%
- Free Cash Flow
- +118.9%
Profitability
- Gross Margin
- 66.4%
- Operating Margin
- 18.1%
- Net Margin
- 15.5%
- ROE
- 11.8%
- ROIC
- -388.4%
Balance Sheet
- Debt/Equity
- โ
- Current Ratio
- โ
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.