What is F & M BANK CORP's earnings per share (EPS)?

F & M BANK 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 BANK CORP (FMBM) Financials

FMBM

Trailing 12 months to June 30, 2026

Revenue $58.6M +20.5% YoY

Net Income $14.4M +69.9% YoY

EPS (Diluted) $4.04 +69.0% YoY

Free Cash Flow $18.4M +56.5% YoY

Market Cap $146.3M as of Oct 21, 2026

Price / Sales 2.5x on $58.6M revenue, trailing 12 months to June 30, 2026

Price / Earnings 10.2x on $14.4M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $112.1M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 21, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 13, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 13, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FMBM SEC filings page.

F & M BANK CORP (FMBM) reported $58.6M in revenue over the twelve months to Jun 30, 2026, up 20.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI FMBM FY2025 2026-10-04

F & M Bank’s 2025 rebound combined stronger earnings and cash generation with a balance sheet still funded predominantly by liabilities.

The less obvious shift is that 2025 earnings recovered to $11.2M while operating cash flow reached $16.5M, so reported profit was accompanied by cash rather than merely accounting accruals. Yet liabilities represented about 92.4% of assets, even as debt-to-equity was only 0.1x; that ratio understates the bank’s overall funding dependence because most liabilities are not long-term debt.

Profitability recovered from the FY2023 trough, with net margin rising from 6.6% to 21.3% by FY2025. ROA also rose from 0.2% to 0.8%, indicating earnings improved faster than the asset base rather than merely tracking balance-sheet expansion.

Free cash flow moved from negative $3.3M in FY2023 to $15.8M in FY2025, reversing a cash shortfall into internally generated funds. 2025 capital expenditures were only $724K, so the improvement was not paired with heavy physical reinvestment; for a bank, cash flow is therefore shaped more by funding movements than by factory-style investment.

Financial Health Signals

Financial health score not available

F & M BANK CORP does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

5/7

F & M BANK CORP passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), the one computable operating efficiency signal (asset turnover improving) passes.

Key Financial Metrics

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Earnings & Revenue

Revenue

$17.2M

YoY+29.0%

QoQ+20.0%

5Y CAGR+9.7%

10Y CAGR+7.4%

F & M BANK CORP generated $17.2M in revenue in Q2 2026. This represents an increase of 29.0% from the same quarter a year earlier. Against the prior quarter it is up 20.0%.

Net Income

$5.4M

YoY+81.1%

QoQ+66.4%

5Y CAGR+10.8%

10Y CAGR+8.6%

F & M BANK CORP reported $5.4M in net income in Q2 2026. This represents an increase of 81.1% from the same quarter a year earlier. Against the prior quarter it is up 66.4%.

EPS (Diluted)

$1.50

YoY+80.7%

QoQ+64.8%

F & M BANK CORP earned $1.50 per diluted share (EPS) in Q2 2026. This represents an increase of 80.7% from the same quarter a year earlier. Against the prior quarter it is up 64.8%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$5.0M

YoY+161.9%

QoQ-0.2%

5Y CAGR-16.3%

10Y CAGRn/m

F & M BANK CORP generated $5.0M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 161.9% from the same quarter a year earlier. Against the prior quarter it is down 0.2%.

Cash & Debt

$60.8M

YoY+28.5%

QoQ-29.3%

F & M BANK CORP held $60.8M in cash against $9.9M in long-term debt as of Q2 2026.

Dividends Per Share

$0.26

YoY0.0%

QoQ0.0%

F & M BANK CORP paid $0.26 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY+0.8%

QoQ+0.8%

F & M BANK CORP had 4M shares outstanding in Q2 2026. This represents an increase of 0.8% from the same quarter a year earlier. Against the prior quarter it is up 0.8%.

Margins & Returns

Net Margin

31.2%

YoY+9.0pp

QoQ+8.7pp

5Y change+1.5pp

10Y change+3.3pp

F & M BANK CORP's net profit margin was 31.2% in Q2 2026, showing the share of revenue converted to profit. This is up 9.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 8.7 percentage points.

Return on Equity

4.8%

YoY+1.6pp

QoQ+1.7pp

5Y change+1.6pp

10Y change+2.0pp

F & M BANK CORP's quarterly ROE was 4.8% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is up 1.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.7 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$73K

YoY-46.3%

QoQ-90.0%

5Y CAGR-7.4%

10Y CAGR-24.3%

F & M BANK CORP invested $73K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 46.3% from the same quarter a year earlier. Against the prior quarter it is down 90.0%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

FMBM Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FMBM quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$58.6M	$52.7M+17.9%	$44.7M+6.9%	$41.8M-9.4%	$46.2M+8.5%	$42.6M-1.6%	$43.3M+4.7%	$41.3M+4.5%	$39.5M+3.8%	$38.1M+11.6%	$34.1M+9.0%	$31.3M+20.3%	$26.0M+6.9%	$24.4M-1.4%	$24.7M+2.2%	$24.2M
SG&A Expenses	$39.5M	$37.0M+7.5%	$34.4M-11.2%	$38.8M+6.2%	$36.5M+9.5%	$33.3M+11.4%	$29.9M+1.4%	$29.5M+10.4%	$26.7M+8.2%	$24.7M+16.2%	$21.3M+8.8%	$19.6M+24.9%	$15.7M+6.4%	$14.7M+10.2%	$13.4M+646.2%	$1.8M
Interest Expense	$25.0M	$26.2M-14.2%	$30.6M+23.9%	$24.7M+240.4%	$7.2M+68.4%	$4.3M-24.9%	$5.7M-16.0%	$6.8M+41.1%	$4.8M+24.0%	$3.9M+8.3%	$3.6M+25.1%	$2.9M-21.2%	$3.6M-23.6%	$4.8M-24.2%	$6.3M-18.5%	$7.7M
Income Tax	$2.5M	$1.7M+174.0%	$638Kn/m	-$746K-255.4%	$480K-63.7%	$1.3M+15.8%	$1.1Mn/m	-$250K-124.0%	$1.0M-76.0%	$4.3M+39.7%	$3.1M+7.4%	$2.9M+25.9%	$2.3M+118.0%	$1.1M-49.8%	$2.1M-16.9%	$2.5M
Net Income	$14.4M	$11.2M+54.1%	$7.3M+162.9%	$2.8M-66.7%	$8.3M-22.5%	$10.7M+20.7%	$8.9M+91.7%	$4.6M-47.4%	$8.8M-2.1%	$9.0M-5.8%	$9.6M+13.7%	$8.4M+44.0%	$5.8M+24.0%	$4.7M-3.8%	$4.9M+4.5%	$4.7M
EPS (Basic)	N/A	N/A	N/A	N/A	$2.41-25.8%	$3.25+22.2%	$2.66+101.5%	$1.32-49.2%	$2.60-1.1%	$2.63-5.1%	$2.77+15.4%	$2.40+31.9%	$1.82-3.2%	$1.88-4.1%	$1.96+2.6%	$1.91
EPS (Diluted)	$4.04	$3.16+52.7%	$2.07	$0.80	$2.41-22.8%	$3.12+21.9%	$2.56+96.9%	$1.30-46.9%	$2.45-1.2%	$2.48-3.5%	$2.57+14.2%	$2.25+25.0%	$1.80-4.3%	$1.88-4.1%	$1.96	N/A
Diluted Shares (Avg)	N/A	4M+1.2%	4M	3.48B	3M+0.2%	3M+0.4%	3M-0.9%	3M-3.8%	4M-1.0%	4M-2.3%	4M-0.5%	4M+15.6%	3M+29.0%	3M+0.3%	2M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$17.2M+29.0%	$14.3M+16.6%	$13.9M+17.5%	$13.2M+17.7%	$13.3M+18.9%	$12.3M+17.5%	$11.8M+12.8%	$11.2M+7.2%
SG&A Expenses	$10.4M+19.9%	$10.3M+8.3%	$9.5M+15.6%	$9.3M-3.5%	$8.7M+6.6%	$9.5M+13.1%	$8.2M-21.0%	$9.7M+8.6%
Interest Expense	$5.8M-8.2%	$6.1M-11.1%	$6.6M-15.7%	$6.6M-15.9%	$6.3M-16.4%	$6.8M-8.4%	$7.8M+10.7%	$7.8M+17.6%
Income Tax	$1.1M+142.2%	$478K+15.5%	$434K+56.1%	$445Kn/m	$455K-3.4%	$414Kn/m	$278Kn/m	-$110Kn/m
Net Income	$5.4M+81.1%	$3.2M+31.3%	$2.9M+27.5%	$2.9M+269.2%	$3.0M-1.7%	$2.5M+101.9%	$2.3M+394.7%	$792K-22.2%
EPS (Basic)	$1.52+81.0%	N/A	N/A	N/A	$0.84	N/A	N/A	N/A
EPS (Diluted)	$1.50+80.7%	$0.91+30.0%	$0.81+28.6%	$0.82+256.5%	$0.83	$0.70+100.0%	$0.63	$0.23
Diluted Shares (Avg)	3.58B+0.6%	3.56B+0.8%	N/A	4M+1.1%	3.56B	3.53B+1.2%	N/A	4M

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

FMBM Balance Sheet

FMBM quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$1.4B+5.4%	$1.3B+0.6%	$1.3B+3.9%	$1.2B+2.2%	$1.2B+26.1%	$966.9M+18.8%	$814.0M+4.4%	$779.7M+3.5%	$753.3M+1.1%	$744.9M+12.0%	$665.4M+9.9%	$605.3M+9.5%	$552.8M-7.4%	$596.9M+5.3%	$566.7M
Cash & Equivalents	$68.9M+21.8%	$56.5M+138.3%	$23.7M-32.1%	$35.0M-60.3%	$88.1M+12.4%	$78.4M+3.4%	$75.8M+594.7%	$10.9M-8.4%	$11.9M-27.2%	$16.4M+92.0%	$8.5M-63.3%	$23.2M+254.5%	$6.5M-27.3%	$9.0M0.0%	$9.0M
Short-Term Investments	$0n/m	$0n/m	$0n/m	$0-100.0%	$404.0M+277.5%	$107.0M+2283.6%	$4.5Mn/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0
Accounts Receivable	$5.1M+3.6%	$4.9M-1.9%	$5.0M+26.0%	$4.0M+28.2%	$3.1M+14.3%	$2.7M+33.4%	$2.0M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Investments	$871.2M+7.7%	$808.8M+3.0%	$785.1M+8.9%	$720.8M+10.5%	$652.1M+7477.2%	$8.6M-98.5%	$580.9Mn/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0
Goodwill	$3.1M0.0%	$3.1M0.0%	$3.1M0.0%	$3.1M0.0%	$3.1M+6.9%	$2.9M0.0%	$2.9M0.0%	$2.9M+0.1%	$2.9M+7.9%	$2.7M0.0%	$2.7M0.0%	$2.7M0.0%	$2.7M0.0%	$2.7M0.0%	$2.7M
Total Liabilities	$1.3B+4.4%	$1.2B0.0%	$1.2B+3.5%	$1.2B+5.0%	$1.1B+28.4%	$871.3M+20.6%	$722.4M+5.0%	$688.3M+4.0%	$662.0M+0.6%	$658.2M+13.0%	$582.4M+10.4%	$527.5M+5.8%	$498.6M-8.9%	$547.5M+5.2%	$520.6M
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-37.6%	$53.2M+32.3%	$40.2M-19.1%	$49.7M-22.6%	$64.2M+33.4%	$48.2M	N/A	$11.5M-69.5%	$37.7M-19.9%	$47.1M
Total Equity	$104.0M+21.5%	$85.6M+9.2%	$78.3M+10.6%	$70.8M-29.5%	$100.5M+5.0%	$95.6M+4.4%	$91.6M+0.2%	$91.4M+0.4%	$91.0M+5.0%	$86.7M+4.5%	$83.0M+6.6%	$77.8M+43.7%	$54.1M+9.6%	$49.4M+6.9%	$46.2M
Retained Earnings	$92.2M+8.9%	$84.7M+4.5%	$81.0M-2.5%	$83.1M+6.0%	$78.3M+10.0%	$71.2M+7.9%	$66.0M+1.4%	$65.1M+7.0%	$60.8M+11.6%	$54.5M+13.4%	$48.1M+12.9%	$42.6M+9.2%	$39.0M+0.1%	$38.9M+9.5%	$35.6M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$1.4B+6.5%	$1.4B+7.4%	$1.4B+5.4%	$1.4B+1.0%	$1.3B+0.2%	$1.3B-0.3%	$1.3B+0.6%	$1.3B+4.8%
Cash & Equivalents	$60.8M+28.5%	$85.9M-4.0%	$68.9M+21.8%	$83.9M+39.1%	$47.3M-6.3%	$89.5M+70.5%	$56.5M+138.3%	$60.3M+172.2%
Short-Term Investments	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m
Accounts Receivable	$5.5M+6.5%	$5.2M+5.1%	$5.1M+3.6%	$4.9M-2.7%	$5.2M+0.8%	$5.0M-2.7%	$4.9M-1.9%	$5.1M
Long-Term Investments	$914.1M+10.0%	$884.7M+9.8%	$871.2M+7.7%	$856.1M+5.5%	$831.2M+4.1%	$805.4M+1.2%	$808.8M+3.0%	$811.3M+0.7%
Goodwill	$3.1M0.0%	$3.1M0.0%	$3.1M0.0%	$3.1M0.0%	$3.1M0.0%	$3.1M0.0%	$3.1M0.0%	$3.1M0.0%
Total Liabilities	$1.3B+5.6%	$1.3B+6.7%	$1.3B+4.4%	$1.3B+0.2%	$1.2B-0.9%	$1.2B-1.4%	$1.2B0.0%	$1.3B+3.2%
Long-Term Debt	$9.9M+41.9%	$9.9M+42.0%	$9.9M+42.2%	$7.0M	$7.0M	$7.0M	$7.0M+0.6%	N/A
Total Equity	$112.1M+19.2%	$105.7M+16.6%	$104.0M+21.5%	$101.5M+12.8%	$94.0M+15.2%	$90.7M+16.6%	$85.6M+9.2%	$90.0M+34.3%
Retained Earnings	$98.9M+12.0%	$94.5M+9.6%	$92.2M+8.9%	$90.2M+8.3%	$88.2M+5.8%	$86.2M+6.0%	$84.7M+4.5%	$83.3M+2.3%

Not reported in any period shown, so not listed: Current Assets, Inventory, Current Liabilities, Non-Current Liabilities.

FMBM Cash Flow Statement

FMBM quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$19.7M	$16.5M+131.4%	$7.1M+229.5%	$2.2M-87.7%	$17.6M-17.4%	$21.3M+1051.6%	$1.8M-88.0%	$15.4M+29.4%	$11.9M+73.4%	$6.9M-56.0%	$15.6M+59.4%	$9.8M+16.9%	$8.4M-54.3%	$18.3M+128.6%	$8.0M-7.0%	$8.6M
Depreciation & Amortization	N/A	$1.3M-7.1%	$1.4M+7.7%	$1.3M+18.2%	$1.1M-8.3%	$1.2M-2.6%	$1.2M+0.3%	$1.2M+8.0%	$1.1M+22.3%	$930K+12.5%	$827K+13.8%	$727K+18.8%	$612K+5.2%	$582K-2.7%	$598K-8.4%	$653K
Stock-Based Compensation	N/A	$420K+85.8%	$226K-12.7%	$259K+34.2%	$193K+124.4%	$86Kn/m	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Capital Expenditures	$1.3M	$724K+156.7%	$282K-94.8%	$5.5M+49.7%	$3.6M+546.9%	$563K-24.1%	$742K-68.8%	$2.4M-20.7%	$3.0M-53.7%	$6.5M+82.5%	$3.6M+96.2%	$1.8M+231.7%	$546K-17.5%	$662K+16.9%	$566K+179.7%	$202K
Free Cash Flow	$18.4M	$15.8M+130.3%	$6.9Mn/m	-$3.3M-123.6%	$13.9M-32.8%	$20.7M+1773.2%	$1.1M-91.5%	$13.0M+46.3%	$8.9M+2300.5%	$370K-96.9%	$12.0M+51.1%	$8.0M+1.9%	$7.8M-55.7%	$17.6M+137.1%	$7.4M-11.5%	$8.4M
Investing Cash Flow	-$66.7M	-$53.9M-295.3%	$27.6Mn/m	-$50.0Mn/m	-$125.6Mn/m	-$243.7Mn/m	-$142.1M-761.3%	$21.5Mn/m	-$31.7Mn/m	-$10.0Mn/m	-$75.7Mn/m	-$73.4Mn/m	-$37.4M-234.7%	$27.8Mn/m	-$31.0Mn/m	-$43.9M
Financing Cash Flow	$60.1M	$49.2Mn/m	-$1.5M-104.0%	$36.6M-33.3%	$54.8M-76.4%	$232.1M+62.5%	$142.9M+409.8%	$28.0M+48.9%	$18.8Mn/m	-$1.3M-101.9%	$68.0M+38.8%	$49.0M+7.1%	$45.7Mn/m	-$48.5M-310.8%	$23.0M-1.7%	$23.4M
Dividends Paid	$3.7M	$3.7M+1.2%	$3.6M	N/A	N/A	N/A	$3.3M+1.7%	$3.3M-24.0%	$4.3M+27.0%	$3.4M+8.7%	$3.1M+6.9%	$2.9M+30.6%	$2.2M+30.8%	$1.7M+6.8%	$1.6M+9.0%	$1.5M
Share Buybacks	N/A	$402Kn/m	$0	N/A	N/A	N/A	-$473K	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$5.0M+147.9%	$5.7M+3.3%	$1.9M-45.5%	$7.0M+539.0%	$2.0Mn/m	$5.5M+87.5%	$3.5M+53.8%	$1.1M-50.6%
Depreciation & Amortization	$262K-26.8%	$320K-1.5%	$296K+8.4%	$321K-13.7%	$358K-10.3%	$325K-8.7%	$273K-20.2%	$372K+27.0%
Stock-Based Compensation	N/A	$99K+37.5%	N/A	N/A	N/A	$72K+22.0%	N/A	$72K+18.0%
Capital Expenditures	$73K-46.3%	$732K+458.8%	$344K+446.0%	$113K+71.2%	$136K+63.9%	$131K+87.1%	$63K-19.2%	$66K-38.9%
Free Cash Flow	$5.0M+161.9%	$5.0M-7.8%	$1.6M-54.4%	$6.9M+568.8%	$1.9Mn/m	$5.4M+87.5%	$3.5M+56.4%	$1.0M-51.2%
Investing Cash Flow	-$11.7Mn/m	-$17.6M-175.0%	-$29.3M-191.2%	-$8.2Mn/m	-$39.8M-484.5%	$23.4M+555.0%	$32.1M+3958.9%	-$18.5Mn/m
Financing Cash Flow	-$18.4Mn/m	$28.9M+618.2%	$11.8Mn/m	$37.8M+38.9%	-$4.4Mn/m	$4.0M-81.9%	-$39.0Mn/m	$27.2M+203.5%
Dividends Paid	$932K+0.5%	$925K+0.9%	$924K+1.0%	$925K+1.1%	$927K+1.3%	$917K+1.3%	$915K	$915K
Share Buybacks	N/A	N/A	$133Kn/m	N/A	N/A	N/A	$0	N/A

FMBM Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FMBM quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	21.3%+5.0pp	16.3%+9.7pp	6.6%-11.4pp	18.0%-7.2pp	25.2%+4.7pp	20.5%+9.3pp	11.2%-11.1pp	22.3%-1.3pp	23.6%-4.4pp	28.0%+1.2pp	26.9%+4.4pp	22.4%+3.1pp	19.4%-0.5pp	19.8%+0.4pp	19.4%
Return on Equity	10.8%+2.3pp	8.5%+5.0pp	3.5%-8.2pp	11.8%+1.1pp	10.7%+1.4pp	9.3%+4.2pp	5.1%-4.6pp	9.7%-0.3pp	9.9%-1.1pp	11.0%+0.9pp	10.2%+2.6pp	7.5%-1.2pp	8.7%-1.2pp	9.9%-0.2pp	10.2%
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%+0.3pp	0.6%-0.6pp	1.1%-0.1pp	1.2%-0.1pp	1.3%0.0pp	1.3%+0.3pp	1.0%+0.1pp	0.9%0.0pp	0.8%0.0pp	0.8%
Debt-to-Equity	0.100.0x	0.080.0x	0.090.0x	0.10-0.1x	0.22-0.1x	0.35-0.2x	0.58+0.1x	0.44-0.1x	0.55-0.2x	0.74+0.2x	0.58	N/A	0.21-0.6x	0.76-0.3x	1.02
Liabilities-to-Equity	12.21-2.0x	14.21-1.3x	15.53-1.1x	16.60+5.5x	11.14+2.0x	9.11+1.2x	7.89+0.4x	7.53+0.3x	7.27-0.3x	7.59+0.6x	7.02+0.2x	6.78-2.4x	9.21-1.9x	11.09-0.2x	11.27
Asset Turnover	0.040.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	29.9%+14.6pp	15.3%+23.2pp	-7.9%-38.0pp	30.2%-18.5pp	48.7%+46.1pp	2.6%-28.9pp	31.4%+9.0pp	22.5%+21.5pp	1.0%-34.3pp	35.3%+9.8pp	25.4%-4.6pp	30.0%-42.4pp	72.4%+42.3pp	30.1%-4.7pp	34.8%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	31.2%+9.0pp	22.5%+2.5pp	20.8%+1.6pp	22.1%+15.1pp	22.3%-4.7pp	20.0%+8.4pp	19.2%+14.8pp	7.0%-2.7pp
Return on Equity	4.8%+1.6pp	3.0%+0.3pp	2.8%+0.1pp	2.9%+2.0pp	3.1%-0.5pp	2.7%+1.1pp	2.6%+2.1pp	0.9%-0.6pp
Return on Assets	0.4%+0.1pp	0.2%0.0pp	0.2%0.0pp	0.2%+0.2pp	0.2%0.0pp	0.2%+0.1pp	0.2%+0.1pp	0.1%0.0pp
Debt-to-Equity	0.090.0x	0.090.0x	0.100.0x	0.07	0.07	0.08	0.080.0x	N/A
Liabilities-to-Equity	11.46-1.5x	12.32-1.1x	12.21-2.0x	12.38-1.6x	12.94-2.1x	13.47-2.5x	14.21-1.3x	13.94-4.2x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	28.8%+14.6pp	34.7%-9.1pp	11.4%-18.0pp	52.3%+43.1pp	14.2%+18.8pp	43.8%+16.4pp	29.3%+8.2pp	9.2%-11.0pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Where F & M BANK CORP Ranks

Frequently Asked Questions

What is F & M BANK CORP's annual revenue?

F & M BANK CORP (FMBM) reported $52.7M in total revenue for fiscal year 2025. This represents a 17.9% 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 BANK CORP's revenue growing?

F & M BANK CORP (FMBM) revenue grew by 17.9% year-over-year, from $44.7M to $52.7M in fiscal year 2025.

Is F & M BANK CORP profitable?

Yes, F & M BANK CORP (FMBM) reported a net income of $14.4M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $11.2M, with a net profit margin of 21.3%.

How much debt does F & M BANK CORP have?

As of fiscal year 2025, F & M BANK CORP (FMBM) had $68.9M in cash and equivalents against $9.9M in long-term debt.

What is F & M BANK CORP's net profit margin?

F & M BANK CORP (FMBM) had a net profit margin of 21.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does F & M BANK CORP pay dividends?

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

What is F & M BANK CORP's return on equity (ROE)?

F & M BANK CORP (FMBM) has a return on equity of 10.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is F & M BANK CORP's free cash flow?

F & M BANK CORP (FMBM) generated $15.8M in free cash flow during fiscal year 2025. This represents a 130.3% 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 BANK CORP's operating cash flow?

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

What are F & M BANK CORP's total assets?

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

What are F & M BANK CORP's capital expenditures?

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

Does F & M BANK CORP buy back shares?

Yes, F & M BANK 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 BANK CORP have outstanding?

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

What is F & M BANK CORP's debt-to-equity ratio?

F & M BANK CORP (FMBM) had a debt-to-equity ratio of 0.10 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.

What is F & M BANK CORP's liabilities-to-equity ratio?

F & M BANK CORP (FMBM) had a liabilities-to-equity ratio of 12.21 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.

What is F & M BANK CORP's return on assets (ROA)?

F & M BANK 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 BANK CORP's P/E ratio?

F & M BANK CORP (FMBM) trades at 10.2x earnings, its market capitalization divided by $14.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $146.3M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is F & M BANK CORP's price-to-sales ratio?

F & M BANK CORP (FMBM) trades at 2.5x sales, its market capitalization divided by $58.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $146.3M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is F & M BANK CORP's Piotroski F-Score?

F & M BANK CORP (FMBM) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.