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F & M Bank

(OTC) FMBM

Current Price$39.89
Market Cap$142.33MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1997)+784%
5 Year+73%
1 Year+89%
1 Month+11%
F & M Bank last closing stock price
MetricPriceDate
Last closeUSD 39.992026-07-16
F & M Bank stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+4.11%USD 38.412026-07-09
1 month+10.72%USD 36.122026-06-16
3 month+27.92%USD 31.262026-04-17
Year to date+41.31%USD 28.302025-12-31
1 year+88.54%USD 21.212025-07-16
3 year+119.97%USD 18.182023-07-12
5 year+72.98%USD 23.122021-07-16
Since inception+784.44%USD 4.521997-02-28

F & M Bank Financials at a Glance

Market Cap

$142.33MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$77.43M

Net Income (TTM)

$12.00M

EPS (TTM)

$3.37

P/E Ratio

11.86

Dividend

$1.04

Beta (Volatility)

0.04 (Low)

Price

$39.89

Volume

200

Open

$39.48

Previous Close

$39.89

Daily Range

$39.48 - $39.89

52-Week Range

$21.55 - $39.99

Estimated Earnings Date

Apr 27, 2026

FMBM News

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

Motley Fool Markets TeamAug 1, 2025

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About F & M Bank

F & M Bank helps people and businesses manage money and get loans. Customers use its accounts to save, pay bills, or buy homes. Local companies rely on its loans to grow or cover daily needs.

Money Matters: What F & M Bank Offers

  • Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses; core banking services.
  • Loan Products: Home, auto, business, and farmland loans; includes construction and commercial real estate lending.
  • Digital Banking: Internet and mobile banking for account access, payments, and transfers; serves both retail and business clients.
  • Insurance & Brokerage: Life, property, and business insurance plus investment and wealth management services.
  • Title & Settlement: Title insurance and real estate settlement services for homebuyers and property investors.

Branching Out: F & M’s Growth Story

  • Consolidated F&M Mortgage and Farmers & Merchants Financial Services into the main bank in 2024-2025.
  • Expanded title insurance and real estate settlement services in 2024-2025.
  • Invested in new banking technology and software contracts for process improvements in 2024-2025.
  • Grew to fourteen branch offices and several loan production offices by June 2025.

Why F & M Stands Out (Without the Hype)

F & M focuses on serving specific Virginia communities with a broad product mix. Its single-segment model streamlines operations and decision-making. The company’s integrated approach covers banking, insurance, and real estate services under one roof.

Five Things You Need to Know

  • Total revenue was $20 million in Q2 2025, up 68.1% year-on-year.
  • Net income reached $3 million in Q2 2025, up from $87,000 in Q2 2024.
  • Total assets were $1.31 billion as of June 30, 2025.
  • Return on average equity was 12.81% in Q2 2025, down from 15.58% in Q2 2024.
  • Allowance for credit losses was 0.98% of total loans in June 2025.

Bottom Line

F & M has evolved by expanding services and streamlining operations in its local markets. Its focus on community banking and diversified offerings supports steady performance in a changing environment.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

173

CEO

Aubrey Michael Wilkerson

Website

www.fmbankva.com

Headquarters

Timberville, VA 22853, US

FMBM Financials

Key Financial Metrics (TTM)

Gross Margin

66.38%

Operating Margin

18.09%

Net Income Margin

15.49%

Return on Equity

11.77%

Return on Capital

11.23%

Return on Assets

0.85%

Earnings Yield

8.43%

Dividend Yield

2.60%

Payout Ratio

30.85%

Stock Overview

Market Cap

$142.33MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

3.56M

Volume

200

Avg. Volume

2.03K

Financials (TTM)

Gross Profit

$51.40M

Operating Income

$14.01M

EBITDA

$15.11M

Operating Cash Flow

$16.69M

Capital Expenditure

-$1.33M

Free Cash Flow

$15.36M

Cash & ST Invst.

$18.34M

Total Debt

$11.02M

F & M Bank Performance Analysis

F & M Bank annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 52,576,00010.1%
20232023-12-31USD 67,349,00028.1%
20242024-12-31USD 76,035,00012.9%
20252025-12-31USD 79,707,0004.8%
F & M Bank sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-303.1%
Q32025-09-30-12.9%
Q42025-12-3119.8%
Q12026-03-31-0.1%
F & M Bank annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.41-22.7%
20232023-12-31USD 0.80-66.9%
20242024-12-31USD 2.07160.2%
20252025-12-31USD 3.1652.4%
F & M Bank sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3018.6%
Q32025-09-30-1.2%
Q42025-12-31-1.2%
Q12026-03-3112.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$20.39M

+7.4%

Gross Profit

$14.02M

+15.3%

Gross Margin

68.74%

N/A

Market Cap

$142.33MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$822.72K

N/A

Employees

173

N/A

Net Income

$3.23M

+31.3%

EBITDA

$4.02M

-60.6%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$18.34M

-52.9%

Total Debt

$11.02M

+57.7%

Accounts Receivable

$5.21M

+5.1%

Inventory

$0.00

N/A

Long Term Debt

$10.91M

+56.2%

Short Term Debt

$107.00K

N/A

Return on Assets

0.85%

N/A

Return on Invested Capital

0.99%

N/A

Free Cash Flow

$4.97M

-7.8%

Operating Cash Flow

$5.70M

+3.3%

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Questions About FMBM

What is the current price of F & M Bank?

F & M Bank is trading at $39.89 per share.

What is the 52-week range for F & M Bank?

Over the past 52 weeks, F & M Bank has traded between $21.55 and $39.99.

How much debt does F & M Bank have?

As of the most recent reporting period, F & M Bank reported total debt of $11.02M.

How much cash does F & M Bank have on hand?

F & M Bank does not have cash on hand data available.

What is F & M Bank’s dividend yield?

F & M Bank currently has a dividend yield of 2.60%.

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