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

Company Overview

F & M Bank Corp. operates as the bank holding company for Farmers & Merchants Bank that provides financial products and services to consumers and businesses in Virginia. The company offers commercial and individual demand and time deposit accounts, savings 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, 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 commercial and personal insurance products. Further, it originates conventional and government agency sponsored mortgages; and offers title insurance and real estate settlement services. The company was founded in 1908 and is headquartered in Timberville, Virginia.

Key Stats

• Today's Range: $33.01 to $34.49
• 50-Day Range: $30.40 to $34.50
• 52-Week Range: $19.20 to $34.75
• Volume: 1,750 shs
• Average Volume: 1,020 shs
• Market Capitalization: $123.61 million
• P/E Ratio: 10.20
• Dividend Yield: 3.02%
• Price Target: N/A
• Consensus Rating: N/A

F & M Bank Stock Analysis - MarketRank™

F & M Bank scored higher than 22% 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 10.20, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.59.

Price to Earnings Ratio vs. Sector

The P/E ratio of F & M Bank is 10.20, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.17.

Price to Book Value per Share Ratio

F & M Bank has a P/B Ratio of 1.17. 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 0.08, 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 100.00%, 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 3.01%, 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 30.77%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

News Sentiment

F & M Bank has a news sentiment score of -1.00. 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 lower news sentiment than the 0.73 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: 4/28/2026
• Today: 5/14/2026
• Fiscal Year End: 12/31/2026

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: 1983

Profitability

• EPS (Trailing Twelve Months): $3.38
• Trailing P/E Ratio: 10.20
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $11.23 million
• Net Margins: 14.96%
• Pretax Margin: 16.44%
• Return on Equity: 11.96%
• Return on Assets: 0.89%

Debt

• Debt-to-Equity Ratio: 0.09
• Current Ratio: 0.77
• Quick Ratio: 0.76

Sales & Book Value

• Annual Sales: $78.92 million
• Price / Sales: 1.57
• Cash Flow: $3.92 per share
• Price / Cash Flow: 8.79
• Book Value: $29.46 per share
• Price / Book: 1.17

Miscellaneous

• Outstanding Shares: 3,584,000
• Free Float: 3,202,000
• Market Cap: $123.61 million
• Optionable: Not Optionable
• Beta: 0.30