F & M Bank (FMBM) Stock Price, News & Analysis

Company Overview

F & M Bank Corp. is the bank holding company for Farmers & Merchants Bank, a community banking institution headquartered in Timberville, Virginia. The bank serves individuals, families, farmers and businesses primarily in Virginia’s Shenandoah Valley and surrounding communities.

Farmers & Merchants Bank provides traditional banking services, including checking and savings accounts, certificates of deposit, consumer loans, residential mortgages, agricultural financing and commercial loans. Its business customers also have access to deposit services, lines of credit, cash-management tools and other banking solutions.

The bank’s history dates to the early 20th century, when Farmers & Merchants Bank was established to serve local communities and agricultural customers. Through its branch network and digital banking services, F & M Bank focuses on relationship-based banking for customers in the markets where it operates.

Key Stats

• Today's Range: $45.25 to $45.50
• 50-Day Range: $40.00 to $45.56
• 52-Week Range: $26.54 to $46.90
• Volume: 641 shs
• Average Volume: 2,692 shs
• Market Capitalization: $163.35 million
• P/E Ratio: 11.49
• Dividend Yield: 2.29%
• Price Target: N/A
• Consensus Rating: N/A

F & M Bank Stock Analysis - MarketRank™

F & M Bank scored higher than 37% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for F & M Bank.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of F & M Bank is 11.49, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.56.

Price to Earnings Ratio vs. Sector

The P/E ratio of F & M Bank is 11.49, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.28.

Price to Book Value per Share Ratio

F & M Bank has a P/B Ratio of 1.54. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.00% of the float of F & M Bank has been sold short.

Short Interest Ratio / Days to Cover

F & M Bank has a short interest ratio ("days to cover") of 0.09, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in F & M Bank has recently increased by 36.46%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

F & M Bank pays a meaningful dividend of 2.29%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

F & M Bank does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of F & M Bank is 26.26%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: N/A

News Sentiment

F & M Bank has a news sentiment score of 0.95. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.65 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for F & M Bank this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.4 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, F & M Bank insiders have not sold or bought any company stock.

Percentage Held by Insiders

10.65% of the stock of F & M Bank is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

3.85% of the stock of F & M Bank is held by institutions.

Company Calendar

• Last Earnings: 10/28/2026
• Today: 11/11/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: OTCMKTS:FMBM
• CIK: 740806
• Web: www.fmbankva.com
• Phone: (540) 896-8941
• Fax: 540-896-2840
• Employees: 173
• Year Founded: 1983

Profitability

• EPS (Trailing Twelve Months): $3.96
• Trailing P/E Ratio: 11.49
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $11.23 million
• Net Margins: 16.58%
• Pretax Margin: 20.18%
• Return on Equity: 13.10%
• Return on Assets: 1.01%

Debt

• Debt-to-Equity Ratio: 0.09
• Current Ratio: 0.78
• Quick Ratio: 0.78

Sales & Book Value

• Annual Sales: $78.92 million
• Price / Sales: 2.07
• Cash Flow: $3.93 per share
• Price / Cash Flow: 11.59
• Book Value: $29.46 per share
• Price / Book: 1.54

Miscellaneous

• Outstanding Shares: 3,590,000
• Free Float: 3,207,000
• Market Cap: $163.35 million
• Optionable: Not Optionable
• Beta: 0.30