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

Company Overview

F & M Bank (OTCMKTS: FMBM) is a community-oriented financial institution headquartered in Chambersburg, Pennsylvania. Established in the early 20th century, the bank has grown from its roots as a single‐branch savings provider into a full‐service regional bank. Over its history, F & M Bank has remained focused on serving the needs of individuals, families and businesses in its core markets while maintaining strong ties to the communities it serves.

The bank offers a comprehensive suite of banking products and services, including personal checking and savings accounts, residential and commercial mortgages, business lending solutions and wealth management services. Customers can access online and mobile banking platforms for convenient account management, bill pay, mobile deposit and real‐time transaction alerts. In addition, F & M Bank provides specialized Treasury management services for corporate clients, helping them optimize cash flow, manage receivables and streamline payment processes.

F & M Bank’s geographic footprint encompasses south‐central Pennsylvania and portions of the Eastern Panhandle of West Virginia. Through its network of full‐service branch offices, loan production offices and ATMs, the bank supports local economies by financing residential real estate, small‐business growth and agricultural operations. The institution’s community development initiatives include financial literacy programs, small‐business partnerships and support for local nonprofit organizations.

The institution is governed by a board of directors and an executive leadership team that oversees strategic planning, risk management and day‐to‐day operations. Under the guidance of its senior management, F & M Bank continues to emphasize personalized customer service, prudent growth strategies and a strong capital position, with the goal of enhancing shareholder value and advancing community prosperity.

Key Stats

• Today's Range: $21.55 to $21.99
• 50-Day Range: $19.38 to $22.50
• 52-Week Range: $16.62 to $25.05
• Volume: 6,505 shs
• Average Volume: 2,393 shs
• Market Capitalization: $76.90 million
• P/E Ratio: 8.89
• Dividend Yield: 4.81%
• Price Target: N/A
• Consensus Rating: N/A

F & M Bank Stock Analysis - MarketRank™

F & M Bank scored higher than 52% 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: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of F & M Bank is 8.89, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.98.

Price to Earnings Ratio vs. Sector

The P/E ratio of F & M Bank is 8.89, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 18.37.

Price to Book Value per Share Ratio

F & M Bank has a P/B Ratio of 0.88. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

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

Percentage of Shares Shorted

0.02% 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 0.1, 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 500.00%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

F & M Bank is a leading dividend payer. It pays a dividend yield of 4.73%, putting its dividend yield in the top 25% of dividend-paying stocks.

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 42.80%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.02% 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 0.1, 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 500.00%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: N/A

News Sentiment

F & M Bank has a news sentiment score of 1.14. 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 0.91 average news sentiment score of Finance companies.

Search Interest

1 people have searched for FMBM on MarketBeat in the last 30 days.

Company Ownership

• Score: 0.8 / 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

11.55% 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

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

FMBM Stock Analysis - Frequently Asked Questions

How have FMBM shares performed this year?

F & M Bank's stock was trading at $20.23 on January 1st, 2025. Since then, FMBM shares have increased by 6.8% and is now trading at $21.60.

How were F & M Bank's earnings last quarter?

F & M Bank Corp. (OTCMKTS:FMBM) posted its earnings results on Tuesday, April, 29th. The financial services provider reported $0.70 EPS for the quarter. The financial services provider earned $12.29 million during the quarter. F & M Bank had a trailing twelve-month return on equity of 9.77% and a net margin of 11.15%.

How do I buy shares of F & M Bank?

Shares of FMBM stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of F & M Bank own?

Based on aggregate information from My MarketBeat watchlists, some other companies that F & M Bank investors own include ABM Industries (ABM), Merck & Co., Inc. (MRK), Reliance (RS), Texas Pacific Land (TPL), Agilent Technologies (A), American Assets Trust (AAT) and AbbVie (ABBV).

Company Calendar

• Last Earnings: 4/29/2025
• Today: 7/18/2025
• Next Earnings (Estimated): 7/28/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:FMBM
• CIK: 740806
• Web: www.fmbankva.com
• Phone: (540) 896-8941
• Fax: 540-896-2840
• Employees: 150
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $2.43
• Trailing P/E Ratio: 8.89
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $7.28 million
• Net Margins: 11.15%
• Pretax Margin: 12.53%
• Return on Equity: 9.77%
• Return on Assets: 0.65%

Debt

• Debt-to-Equity Ratio: 0.08
• Current Ratio: 0.76
• Quick Ratio: 0.76

Sales & Book Value

• Annual Sales: $75.25 million
• Price / Sales: 1.02
• Cash Flow: $2.86 per share
• Price / Cash Flow: 7.55
• Book Value: $24.44 per share
• Price / Book: 0.88

Miscellaneous

• Outstanding Shares: 3,570,000
• Free Float: 3,155,000
• Market Cap: $77.11 million
• Optionable: Not Optionable
• Beta: 0.22