F & M Bank Corp. (FMBM)
For informational purposes only. Not financial advice. Analysis by Sedat Aydin, 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) with AI Score 52/100 (Hold). F & M Bank Corp. is a community bank holding company operating in Virginia, offering a range of commercial and retail banking services. Market cap: 0, Sector: Financial services.
Last analyzed: Mar 15, 2026F & 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 $0.11 billion and a dividend yield of 3.36%, FMBM competes with regional peers while serving local markets through its thirteen banking offices.
Investment Thesis
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
Key Highlights
- Market capitalization of $0.11 billion, 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.
Competitors & Peers
Strengths
- Long-standing presence in local markets.
- Strong customer relationships.
- Conservative lending practices.
- High gross margin of 65.2%.
Weaknesses
- Limited geographic diversification.
- Smaller scale compared to larger regional banks.
- Dependence on traditional banking services.
- Lower profit margin compared to some peers.
Catalysts
- Ongoing: Expansion of digital banking services to attract younger customers and improve customer retention.
- Ongoing: Strategic loan portfolio diversification into higher-growth sectors such as renewable energy and technology.
- Upcoming: Potential opening of new branches or loan production offices in underserved markets within Virginia (timeline: 3-5 years).
- Ongoing: Enhancement of wealth management and financial planning services to generate additional fee income.
- Ongoing: Partnerships with fintech companies to provide innovative financial solutions and improve customer experience.
Risks
- Potential: Increased competition from larger banks and credit unions.
- Ongoing: Sensitivity to interest rate fluctuations affecting net interest margin.
- Potential: Regulatory changes impacting banking operations and compliance costs.
- Potential: Economic downturns affecting loan demand and credit quality.
- Ongoing: Limited geographic diversification compared to larger regional banks.
Growth Opportunities
- 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.
Opportunities
- Expansion of digital banking services.
- Strategic loan portfolio diversification.
- Geographic expansion within Virginia.
- Enhancement of wealth management services.
Threats
- Increased competition from larger banks and credit unions.
- Interest rate fluctuations.
- Regulatory changes.
- Economic downturns affecting loan demand.
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.
About FMBM
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 They Do
- 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.
Business Model
- 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.
Industry Context
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.
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.
Financials
Chart & Info
F & M Bank Corp. (FMBM) stock price: Price data unavailable
Latest News
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Head to Head Contrast: First Commonwealth Financial (NYSE:FCF) and F & M Bank (OTCMKTS:FMBM)
defenseworld.net · Feb 24, 2026
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Critical Review: F & M Bank (OTCMKTS:FMBM) vs. S&T Bancorp (NASDAQ:STBA)
defenseworld.net · Feb 10, 2026
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F&M Bank Corp. Reports Fourth Quarter And Year-end Results For 2025, Including Record Earnings For The Year
accessnewswire.com · Jan 30, 2026
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Stocks That Hit 52-Week Lows On Tuesday
· Mar 24, 2020
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.
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.
Latest News
Head to Head Contrast: First Commonwealth Financial (NYSE:FCF) and F & M Bank (OTCMKTS:FMBM)
Critical Review: F & M Bank (OTCMKTS:FMBM) vs. S&T Bancorp (NASDAQ:STBA)
F&M Bank Corp. Reports Fourth Quarter And Year-end Results For 2025, Including Record Earnings For The Year
Stocks That Hit 52-Week Lows On Tuesday
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 do analysts say about FMBM stock?
Analyst consensus on FMBM is currently unavailable due to limited coverage. Key valuation metrics include a P/E ratio of 9.81 and a dividend yield of 3.36%. Growth considerations involve expanding digital banking services and diversifying the loan portfolio. Investors should conduct their own due diligence and consider the risks associated with investing in a smaller, OTC-listed bank.
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) currently holds an AI score of 52/100, indicating moderate score. Key strength: Long-standing presence in local markets.. Primary risk to monitor: Potential: Increased competition from larger banks and credit unions.. This is not financial advice.
How frequently does FMBM data refresh on this page?
FMBM prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven FMBM's recent stock price performance?
Recent price movement in F & M Bank Corp. (FMBM) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Long-standing presence in local markets.. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
Should investors consider FMBM overvalued or undervalued right now?
Determining whether F & M Bank Corp. (FMBM) is overvalued or undervalued requires examining multiple metrics. Compare valuation ratios (P/E, P/S, EV/EBITDA) against sector peers for a comprehensive 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).
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.