What is F & M Bk Corp's earnings per share (EPS)?

F & M Bk Corp (FMBM) reported diluted earnings per share of $3.16 for fiscal year 2025. This represents a 52.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

F & M Bk Corp Financials

FMBM

Source SEC Filings (10-K/10-Q) Updated Mar 27, 2026 Currency USD FYE March

This page shows F & M Bk Corp (FMBM) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 59/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

F & M Bk Corp has an operating margin of 6.2%, meaning the company retains $6 of operating profit per $100 of revenue. This results in a moderate score of 36/100, indicating healthy but not exceptional operating efficiency.

Growth

F & M Bk Corp's revenue grew 5.1% year-over-year to $67.8M, a solid pace of expansion. This earns a growth score of 42/100.

Leverage

100

F & M Bk Corp carries a low D/E ratio of 0.09, meaning only $0.09 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

F & M Bk Corp converts 23.3% of revenue into free cash flow ($15.8M). This strong cash generation earns a score of 83/100.

Returns

F & M Bk Corp's ROE of 10.7% shows moderate profitability relative to equity, earning a score of 35/100. This is up from 8.5% the prior year.

Piotroski F-Score Neutral

4/9

F & M Bk Corp passes 4 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.47x

For every $1 of reported earnings, F & M Bk Corp generates $1.47 in operating cash flow ($16.5M OCF vs $11.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage At Risk

0.2x

F & M Bk Corp earns $0.2 in operating income for every $1 of interest expense ($4.2M vs $26.2M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

Key Financial Metrics

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Earnings & Revenue

Revenue

$67.8M

YoY+5.1%

5Y CAGR+13.0%

10Y CAGR+8.7%

F & M Bk Corp generated $67.8M in revenue in fiscal year 2025. This represents an increase of 5.1% from the prior year.

EBITDA

$5.5M

F & M Bk Corp's EBITDA was $5.5M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

Net Income

$11.2M

YoY+54.1%

5Y CAGR+4.8%

10Y CAGR+2.9%

F & M Bk Corp reported $11.2M in net income in fiscal year 2025. This represents an increase of 54.1% from the prior year.

EPS (Diluted)

$3.16

YoY+52.7%

5Y CAGR+4.3%

10Y CAGR+3.5%

F & M Bk Corp earned $3.16 per diluted share (EPS) in fiscal year 2025. This represents an increase of 52.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$15.8M

YoY+118.9%

5Y CAGR+70.2%

10Y CAGR+7.1%

F & M Bk Corp generated $15.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 118.9% from the prior year.

Cash & Debt

$3.0M

YoY-94.6%

5Y CAGR-47.8%

10Y CAGR-9.8%

F & M Bk Corp held $3.0M in cash against $9.9M in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.04

YoY+0.0%

5Y CAGR+0.0%

10Y CAGR+3.6%

F & M Bk Corp paid $1.04 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

YoY+0.9%

5Y CAGR+2.1%

10Y CAGR+0.8%

F & M Bk Corp had 4M shares outstanding in fiscal year 2025. This represents an increase of 0.9% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

6.2%

F & M Bk Corp's operating margin was 6.2% in fiscal year 2025, reflecting core business profitability.

Net Margin

16.6%

YoY+5.3pp

5Y CAGR-7.6pp

10Y CAGR-12.1pp

F & M Bk Corp's net profit margin was 16.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 5.3 percentage points from the prior year.

Return on Equity

10.7%

YoY+2.3pp

5Y CAGR+1.4pp

10Y CAGR+0.6pp

F & M Bk Corp's ROE was 10.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.3 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$402K

F & M Bk Corp spent $402K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$724K

YoY+156.7%

5Y CAGR-0.5%

10Y CAGR-8.8%

F & M Bk Corp invested $724K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 156.7% from the prior year.

FMBM Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$67.8M+5.1%	$64.5M+14.3%	$56.4M+33.9%	$42.1M+18.4%	$35.6M-3.3%	$36.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$37.0M	N/A	N/A	N/A	N/A	N/A
Operating Income	$4.2M	N/A	N/A	N/A	N/A	N/A
Interest Expense	$26.2M-22.7%	$33.9M+37.6%	$24.7M+240.4%	$7.2M+68.4%	$4.3M-24.9%	$5.7M
Income Tax	$1.7M+174.0%	$638K+185.5%	-$746K-255.4%	$480K-63.7%	$1.3M+15.8%	$1.1M
Net Income	$11.2M+54.1%	$7.3M+162.9%	$2.8M-66.7%	$8.3M-22.5%	$10.7M+20.7%	$8.9M
EPS (Diluted)	$3.16+52.7%	$2.07+158.7%	$0.80-66.8%	$2.41-22.8%	$3.12+21.9%	$2.56

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$17.1M+1.4%	$16.8M+3.4%	$16.3M-3.7%	$16.9M+3.7%	$16.3M+3.6%	$15.7M+0.9%	$15.6M-44.7%	$28.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$6.6M+4.3%	$6.3M-7.8%	$6.8M-38.9%	$11.2M+43.2%	$7.8M+3.7%	$7.5M+1.0%	$7.4M+5.9%	$7.0M
Income Tax	$445K-2.2%	$455K+9.9%	$414K+48.9%	$278K+352.7%	-$110K-123.4%	$471K+47200.0%	-$1K+99.5%	-$220K
Net Income	$2.9M-1.4%	$3.0M+20.7%	$2.5M+8.7%	$2.3M+185.5%	$792K-73.7%	$3.0M+147.7%	$1.2M+166.3%	$457K
EPS (Diluted)	$0.82-2.4%	$0.84+20.0%	$0.70	N/A	$0.23-73.3%	$0.86+145.7%	$0.35	N/A

FMBM Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.4B+5.5%	$1.3B+0.6%	$1.3B+3.9%	$1.2B+2.2%	$1.2B+26.1%	$966.9M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$3.0M-94.6%	$56.5M+138.3%	$23.7M-32.1%	$35.0M-60.3%	$88.1M+12.4%	$78.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$5.1M+3.6%	$4.9M-1.9%	$5.0M+26.0%	$4.0M+28.2%	$3.1M+14.3%	$2.7M
Goodwill	$3.1M0.0%	$3.1M0.0%	$3.1M0.0%	$3.1M0.0%	$3.1M+6.9%	$2.9M
Total Liabilities	$1.3B+4.4%	$1.2B0.0%	$1.2B+3.5%	$1.2B+5.0%	$1.1B+28.4%	$871.3M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$9.9M+42.2%	$7.0M+0.6%	$6.9M+0.6%	$6.9M-68.4%	$21.8M-34.4%	$33.2M
Total Equity	$104.8M+21.7%	$86.1M+10.0%	$78.3M+10.6%	$70.8M-29.5%	$100.5M+5.0%	$95.6M
Retained Earnings	$92.2M+8.9%	$84.7M+4.5%	$81.0M-2.5%	$83.1M+6.0%	$78.3M+10.0%	$71.2M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$1.4B+3.5%	$1.3B0.0%	$1.3B+0.8%	$1.3B-3.2%	$1.3B+2.7%	$1.3B-0.5%	$1.3B+1.7%	$1.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$83.9M+77.6%	$47.3M-47.2%	$89.5M+58.3%	$56.5M-6.3%	$60.3M+19.5%	$50.5M-3.9%	$52.5M+121.3%	$23.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$4.9M-4.5%	$5.2M+4.2%	$5.0M+0.4%	$4.9M-2.5%	$5.1M-1.1%	$5.1M+0.6%	$5.1M+1.2%	$5.0M
Goodwill	$3.1M0.0%	$3.1M0.0%	$3.1M0.0%	$3.1M0.0%	$3.1M0.0%	$3.1M0.0%	$3.1M0.0%	$3.1M
Total Liabilities	$1.3B+3.2%	$1.2B-0.3%	$1.2B+0.4%	$1.2B-3.1%	$1.3B+2.2%	$1.2B-0.8%	$1.2B+1.8%	$1.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$7.0M+0.1%	$7.0M+0.1%	$7.0M+0.2%	$7.0M	N/A	N/A	N/A	$6.9M
Total Equity	$101.5M+7.1%	$94.7M+3.8%	$91.3M+6.0%	$86.1M-4.3%	$90.0M+10.3%	$81.6M+5.0%	$77.7M-0.8%	$78.3M
Retained Earnings	$90.2M+2.3%	$88.2M+2.4%	$86.2M+1.8%	$84.7M+1.6%	$83.3M-0.1%	$83.4M+2.6%	$81.3M+0.4%	$81.0M

FMBM Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$16.5M+120.4%	$7.5M+245.9%	$2.2M-87.7%	$17.6M-17.4%	$21.3M+1051.6%	$1.8M
Capital Expenditures	$724K+156.7%	$282K-94.8%	$5.5M+49.7%	$3.6M+546.9%	$563K-24.1%	$742K
Free Cash Flow	$15.8M+118.9%	$7.2M+319.2%	-$3.3M-123.6%	$13.9M-32.8%	$20.7M+1773.2%	$1.1M
Investing Cash Flow	-$53.9M-297.9%	$27.2M+154.5%	-$50.0M+60.2%	-$125.6M+48.5%	-$243.7M-71.5%	-$142.1M
Financing Cash Flow	$49.2M+3457.1%	-$1.5M-104.0%	$36.6M-33.3%	$54.8M-76.4%	$232.1M+62.5%	$142.9M
Dividends Paid	$3.7M	N/A	N/A	N/A	N/A	-$3.3M
Share Buybacks	$402K	N/A	N/A	N/A	N/A	-$473K

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$7.0M+246.7%	$2.0M-63.2%	$5.5M+42.2%	$3.9M+252.5%	$1.1M+353.1%	-$435K-114.8%	$2.9M+28.4%	$2.3M
Capital Expenditures	$113K-16.9%	$136K+3.8%	$131K+107.9%	$63K-4.5%	$66K-20.5%	$83K+18.6%	$70K-10.3%	$78K
Free Cash Flow	$6.9M+265.7%	$1.9M-64.9%	$5.4M+41.1%	$3.8M+268.9%	$1.0M+299.8%	-$518K-118.0%	$2.9M+29.7%	$2.2M
Investing Cash Flow	-$8.2M+79.5%	-$39.8M-270.1%	$23.4M-26.2%	$31.8M+272.0%	-$18.5M-278.2%	$10.4M+189.7%	$3.6M+352.0%	$791K
Financing Cash Flow	$37.8M+959.8%	-$4.4M-209.3%	$4.0M+110.3%	-$39.0M-243.2%	$27.2M+327.8%	-$11.9M-153.7%	$22.3M+1560.1%	-$1.5M
Dividends Paid	$925K-0.2%	$927K+1.1%	$917K	N/A	$915K0.0%	$915K+1.1%	$905K	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

FMBM Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	6.2%	N/A	N/A	N/A	N/A	N/A
Net Margin	16.6%+5.3pp	11.3%+6.4pp	4.9%-14.8pp	19.7%-10.4pp	30.2%+6.0pp	24.2%
Return on Equity	10.7%+2.3pp	8.5%+4.9pp	3.5%-8.2pp	11.8%+1.1pp	10.7%+1.4pp	9.3%
Return on Assets	0.8%+0.3pp	0.6%+0.4pp	0.2%-0.5pp	0.7%-0.2pp	0.9%-0.0pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.09+0.0	0.080.0	0.090.0	0.10-0.1	0.22-0.1	0.35
FCF Margin	23.3%+12.1pp	11.2%+17.0pp	-5.8%-38.9pp	33.1%-25.2pp	58.2%+55.2pp	3.0%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	17.2%-0.5pp	17.6%+2.5pp	15.1%+1.7pp	13.4%+8.5pp	4.9%-14.3pp	19.2%+11.4pp	7.8%+6.2pp	1.6%
Return on Equity	2.9%-0.3pp	3.1%+0.4pp	2.7%+0.1pp	2.6%+1.7pp	0.9%-2.8pp	3.7%+2.1pp	1.6%+1.0pp	0.6%
Return on Assets	0.2%0.0pp	0.2%+0.0pp	0.2%+0.0pp	0.2%+0.1pp	0.1%-0.2pp	0.2%+0.1pp	0.1%+0.1pp	0.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.070.0	0.070.0	0.080.0	0.08-13.9	13.94-1.1	15.05-0.9	15.93+15.8	0.09
FCF Margin	40.6%+29.3pp	11.3%-21.9pp	33.1%+10.5pp	22.6%+16.3pp	6.3%+9.7pp	-3.3%-21.7pp	18.4%+10.6pp	7.9%

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Frequently Asked Questions

What is F & M Bk Corp's annual revenue?

F & M Bk Corp (FMBM) reported $67.8M in total revenue for fiscal year 2025. This represents a 5.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is F & M Bk Corp's revenue growing?

F & M Bk Corp (FMBM) revenue grew by 5.1% year-over-year, from $64.5M to $67.8M in fiscal year 2025.

Is F & M Bk Corp profitable?

Yes, F & M Bk Corp (FMBM) reported a net income of $11.2M in fiscal year 2025, with a net profit margin of 16.6%.

What is F & M Bk Corp's EBITDA?

F & M Bk Corp (FMBM) had EBITDA of $5.5M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does F & M Bk Corp have?

As of fiscal year 2025, F & M Bk Corp (FMBM) had $3.0M in cash and equivalents against $9.9M in long-term debt.

What is F & M Bk Corp's operating margin?

F & M Bk Corp (FMBM) had an operating margin of 6.2% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is F & M Bk Corp's net profit margin?

F & M Bk Corp (FMBM) had a net profit margin of 16.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does F & M Bk Corp pay dividends?

Yes, F & M Bk Corp (FMBM) paid $1.04 per share in dividends during fiscal year 2025.

What is F & M Bk Corp's return on equity (ROE)?

F & M Bk Corp (FMBM) has a return on equity of 10.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is F & M Bk Corp's free cash flow?

F & M Bk Corp (FMBM) generated $15.8M in free cash flow during fiscal year 2025. This represents a 118.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is F & M Bk Corp's operating cash flow?

F & M Bk Corp (FMBM) generated $16.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are F & M Bk Corp's total assets?

F & M Bk Corp (FMBM) had $1.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are F & M Bk Corp's capital expenditures?

F & M Bk Corp (FMBM) invested $724K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does F & M Bk Corp buy back shares?

Yes, F & M Bk Corp (FMBM) spent $402K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does F & M Bk Corp have outstanding?

F & M Bk Corp (FMBM) had 4M shares outstanding as of fiscal year 2025.

What is F & M Bk Corp's debt-to-equity ratio?

F & M Bk Corp (FMBM) had a debt-to-equity ratio of 0.09 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is F & M Bk Corp's return on assets (ROA)?

F & M Bk Corp (FMBM) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is F & M Bk Corp's Piotroski F-Score?

F & M Bk Corp (FMBM) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are F & M Bk Corp's earnings high quality?

F & M Bk Corp (FMBM) has an earnings quality ratio of 1.47x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can F & M Bk Corp cover its interest payments?

F & M Bk Corp (FMBM) has an interest coverage ratio of 0.2x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is F & M Bk Corp?

F & M Bk Corp (FMBM) scores 59 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.