F & M Bank Corp. (FMBM)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
F & M Bank Corp. (FMBM) trades at $37.58 with AI Score 52/100 (Grade B). F & M Bank Corp. is a community bank holding company operating in Virginia, offering a range of commercial and retail banking services. Market cap: $133.75M, Sector: Financial services.
Price live · AI analysis from Mar 15, 2026Analyst Coverage for FMBM: FMBM does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FMBM against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
FMBM: 5/7 perspectives are bullish. Dominant signal: Ken Griffin bullish.
How is this calculated? →F & M Bank Corp. (FMBM) Financial Services Profile
F & M Bank Corp., established in 1908, operates as a community-focused bank in Virginia, providing commercial and retail banking services. With a market capitalization of $133.75M and a dividend yield of 3.36%, FMBM competes with regional peers while serving local markets through its thirteen banking offices.
What Is the Investment Thesis for FMBM?
F & M Bank Corp. presents a stable investment opportunity within the regional banking sector, characterized by a P/E ratio of 9.81 and a profit margin of 14.8%. The company's dividend yield of 3.36% offers an income stream for investors. Growth catalysts include expanding its loan portfolio and enhancing digital banking services to attract a younger demographic. Potential risks include sensitivity to interest rate fluctuations and competition from larger regional and national banks. The company's beta of 0.27 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
FMBM Key Highlights
- Market capitalization of $133.75M, reflecting its position as a smaller community bank.
- P/E ratio of 9.81, indicating a potentially undervalued stock compared to its earnings.
- Profit margin of 14.8%, demonstrating efficient operations and profitability.
- Gross margin of 65.2%, showcasing strong revenue management.
- Dividend yield of 3.36%, providing a steady income stream for investors.
Who Are FMBM's Competitors?
FMBM is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CNBB CNB Community Bancorp, Inc. | $50.21 | +0.00% | $100.96M | 55 |
| CYVF Crystal Valley Financial Corporation | $80.00 | +0.63% | $101.17M | 53 |
| HARL Harleysville Financial Corporation | $29.60 | +0.34% | $106.11M | 53 |
| JDVB JD Bancshares, Inc. | $35.10 | +1.74% | $120.36M | 52 |
| JFBC Jeffersonville Bancorp | $27.51 | -1.67% | $116.49M | 54 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FMBM's Key Strengths?
- Long-standing presence in local markets.
- Strong customer relationships.
- Conservative lending practices.
- High gross margin of 65.2%.
What Are FMBM's Weaknesses?
- Limited geographic diversification.
- Smaller scale compared to larger regional banks.
- Dependence on traditional banking services.
- Lower profit margin compared to some peers.
What Could Drive FMBM Stock Higher?
- Expansion of digital banking services to attract younger customers and improve customer retention.
- Strategic loan portfolio diversification into higher-growth sectors such as renewable energy and technology.
- Potential opening of new branches or loan production offices in underserved markets within Virginia (timeline: 3-5 years).
- Enhancement of wealth management and financial planning services to generate additional fee income.
- Partnerships with fintech companies to provide innovative financial solutions and improve customer experience.
What Are the Key Risks for FMBM?
- Financial-distress signal — its Altman Z-Score of 0.26 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger banks and credit unions.
- Sensitivity to interest rate fluctuations affecting net interest margin.
- Regulatory changes impacting banking operations and compliance costs.
- Economic downturns affecting loan demand and credit quality.
- Limited geographic diversification compared to larger regional banks.
What Are the Growth Opportunities for FMBM?
- Expansion of Digital Banking Services: Investing in and expanding digital banking platforms can attract younger customers and improve customer retention. The digital banking market is projected to reach $9.0 trillion by 2027, offering a significant growth opportunity for F & M Bank Corp. Timeline: Ongoing.
- Strategic Loan Portfolio Diversification: Diversifying the loan portfolio into higher-growth sectors such as renewable energy and technology can increase revenue. The green loan market is expected to reach $500 billion by 2025. Timeline: 2-3 years.
- Geographic Expansion within Virginia: Opening new branches or loan production offices in underserved markets within Virginia can expand the company's footprint and customer base. The Virginia banking market is growing at an annual rate of 3%. Timeline: 3-5 years.
- Enhancing Wealth Management Services: Expanding wealth management and financial planning services can generate additional fee income and attract high-net-worth clients. The wealth management market is projected to grow at 7% annually. Timeline: 2 years.
- Partnerships with Fintech Companies: Collaborating with fintech companies can provide innovative financial solutions and improve customer experience. Fintech investments are expected to reach $500 billion by 2025, offering opportunities for strategic partnerships. Timeline: Ongoing.
What Opportunities Does FMBM Have?
- Expansion of digital banking services.
- Strategic loan portfolio diversification.
- Geographic expansion within Virginia.
- Enhancement of wealth management services.
What Threats Does FMBM Face?
- Increased competition from larger banks and credit unions.
- Interest rate fluctuations.
- Regulatory changes.
- Economic downturns affecting loan demand.
What Are FMBM's Competitive Advantages?
- Strong local brand reputation built over a century.
- Established customer relationships in its Virginia markets.
- Deep understanding of the local economy and customer needs.
- Conservative lending practices that minimize risk.
What Does FMBM Do?
Founded in 1908, F & M Bank Corp. has deep roots in the local communities of Virginia. Originally established as Farmers & Merchants Bank, the company has evolved into a full-service commercial bank, offering a comprehensive suite of financial products and services. These include commercial and individual demand and time deposit accounts, savings accounts, checking accounts, and money market accounts. F & M Bank Corp. also provides advanced banking solutions such as internet and mobile banking services, alongside traditional drive-in banking. The bank's lending portfolio is diverse, featuring construction loans (residential, land acquisition, and development), commercial real estate loans, business loans, and various consumer loans, including personal lines of credit, automobile loans, and home equity loans. Furthermore, F & M Bank Corp. offers residential mortgage loans, credit cards, dealer finance, farmland loans, multi-family loans, and commercial and industrial loans. Beyond traditional banking, the company provides brokerage services, life, commercial, and personal insurance products, and safe deposit boxes. F & M Bank Corp. also originates conventional and government-sponsored mortgages and offers title insurance and real estate settlement services. As of December 31, 2021, F & M Bank Corp. operated thirteen banking offices across Rockingham, Shenandoah, Page, and Augusta counties, along with a loan production office in Penn Laird, Virginia.
What Products and Services Does FMBM Offer?
- Provides commercial and individual demand and time deposit accounts.
- Offers savings, checking, and money market accounts.
- Provides internet and mobile banking services.
- Offers construction, commercial real estate, and business loans.
- Provides consumer loans, including personal loans and home equity loans.
- Offers residential mortgage loans and credit cards.
- Provides brokerage services and insurance products.
- Originates conventional and government-sponsored mortgages.
How Does FMBM Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Provides brokerage and insurance services for additional income.
- Originates and sells mortgages.
What Industry Does FMBM Operate In?
F & M Bank Corp. operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is influenced by factors such as interest rate changes, regulatory requirements, and technological advancements. F & M Bank Corp. competes with other regional banks and credit unions, as well as larger national banks that have a presence in its markets. The company's focus on community banking and personalized service helps it differentiate itself in this competitive landscape.
Who Are FMBM's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring commercial loans and deposit accounts.
- Real estate developers needing construction financing.
- Farmers seeking agricultural loans.
Company Profile
F & M Bank Corp. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Timberville, US. The company is led by CEO Dean W. Withers. FMBM has traded publicly since 1999.
F-Score 6/9Financial Health
F & M Bank Corp.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.26 places it in the distress zone, a signal of elevated financial risk.
ROE 12%Key Financial Metrics
Return on equity for F & M Bank Corp. stands at 11.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. FMBM trades at a trailing price-to-earnings ratio of 10.71, below the Financial Services sector average of ~18x. Its free cash flow yield is 12.0%, a gauge of the cash the business throws off relative to its market value. Its earnings yield is 9.3%, the inverse of the P/E and a quick read on earnings relative to price.
FMBM Valuation & Market Position
With a $133.75M market cap, F & M Bank Corp. sits in the micro-cap segment of the market. Relative to its peer group, FMBM's quantitative score of 52/100 is roughly in line with the peer average of 53/100.
FMBM Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that executives believe the stock is undervalued.
- Community sentiment has shifted positively, with discussions highlighting F & M Bank's strong local presence and customer loyalty.
- The bank's recent expansion initiatives have attracted attention, positioning it for growth in a competitive market.
- Positive media coverage around community engagement efforts has enhanced the brand's reputation, fostering a favorable view among investors.
Bear Case
- Concerns about rising interest rates have led to skepticism about the bank's ability to maintain margins, creating bearish sentiment.
- Social discussions reflect worries about potential regulatory changes that could impact profitability in the banking sector.
- Recent earnings reports showed mixed results, leading to questions about the bank's operational efficiency and future performance.
- Some investors express caution over the overall economic outlook, fearing that a downturn could negatively affect the bank's loan portfolio.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
FMBM Latest News
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Stocks That Hit 52-Week Lows On Tuesday
· Mar 24, 2020
FMBM Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FMBM.
Price Targets
Wall Street price target analysis for FMBM.
FMBM MoonshotScore
What does this score mean?
The MoonshotScore rates FMBM's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Aubrey Michael Wilkerson
Unknown
Aubrey Michael Wilkerson's specific background and career history are not available in the provided data. Without additional information, a detailed profile cannot be constructed. Further research would be needed to understand his experience, education, and previous roles before joining F & M Bank Corp.
Track Record: Due to the lack of available information regarding Aubrey Michael Wilkerson's background and tenure, it is not possible to assess his track record or key achievements at F & M Bank Corp. His strategic decisions and the company's milestones under his leadership cannot be evaluated without further data.
FMBM OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that F & M Bank Corp. may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier often have limited trading volume and may not provide regular financial reporting, leading to increased risk for investors. This tier is generally reserved for companies with distressed financials, regulatory issues, or limited operations compared to those listed on major exchanges like NYSE or NASDAQ.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases information asymmetry.
- Low trading volume and liquidity can lead to price volatility.
- Potential for fraud or mismanagement due to less stringent regulatory oversight.
- Higher risk of delisting or going out of business.
- Difficulty in obtaining accurate and timely information about the company.
- Verify the company's registration and compliance status with regulatory agencies.
- Review available financial statements and assess the company's financial health.
- Research the background and experience of the company's management team.
- Assess the company's business model and competitive landscape.
- Evaluate the company's legal and regulatory risks.
- Monitor trading volume and price volatility.
- Consult with a financial advisor before investing.
- Long operating history since 1908.
- Operation of thirteen banking offices in Virginia.
- Provision of regulated banking services.
- Membership in relevant industry associations.
- Physical presence with headquarters in Timberville, Virginia.
FMBM Financial Services Stock FAQ
What does F & M Bank Corp. do?
F & M Bank Corp. operates as the bank holding company for Farmers & Merchants Bank, providing a range of commercial banking services in Virginia. The company offers deposit accounts, various loan products (including commercial, real estate, and consumer loans), and additional services such as brokerage and insurance. F & M Bank Corp. primarily generates revenue through interest income on loans and fees from banking services, focusing on serving individuals and businesses within its local markets across thirteen banking offices.
What are the main risks for FMBM?
The main risks for F & M Bank Corp. include competition from larger regional and national banks, sensitivity to interest rate fluctuations affecting net interest margin, and regulatory changes impacting banking operations. Additionally, economic downturns could affect loan demand and credit quality. As an OTC-listed company, FMBM faces risks related to limited liquidity and financial disclosure.
What are the key factors to evaluate for FMBM?
F & M Bank Corp. (FMBM) holds an AI score of 52/100 (moderate). Not financial advice.
How frequently does FMBM data refresh on this page?
FMBM prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven FMBM's recent stock price performance?
F & M Bank Corp. (FMBM) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing presence in local markets. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FMBM overvalued or undervalued right now?
Valuing F & M Bank Corp. (FMBM) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying FMBM?
Before investing in F & M Bank Corp. (FMBM), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding FMBM to a portfolio?
Key strength of F & M Bank Corp. (FMBM): Long-standing presence in local markets. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on data available as of December 31, 2021.
- CEO profile information is limited due to lack of available data.