F&M Bancorp (FMOO) Stock Analysis
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 Bancorp (FMOO) trades at $65.40 with AI Score 46/100 (Grade C). F&M Bancorp operates as an independent state-chartered bank, offering a range of personal and business banking products and services. Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for FMOO: FMOO 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 FMOO against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
FMOO: the 3 scored disciplines are evenly split. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
F&M Bancorp (FMOO) Financial Services Profile
F&M Bancorp, founded in 1923, is a community-focused bank providing personal and business banking services in southern Montgomery County, Ohio. Operating as an independent state-chartered bank, F&M Bancorp distinguishes itself through its local presence and relationship-based banking model within a competitive regional banking landscape.
What Is the Investment Thesis for FMOO?
F&M Bancorp presents a stable, albeit potentially slow-growth, investment opportunity within the regional banking sector. The company's focus on southern Montgomery County, Ohio, provides a concentrated market with established customer relationships. Key value drivers include the bank's ability to maintain a low-cost deposit base and efficiently manage its loan portfolio. Ongoing catalysts include potential expansion within its existing geographic footprint and strategic investments in technology to enhance customer service and operational efficiency. However, potential risks include the impact of fluctuating interest rates on net interest margin and competition from larger regional and national banks. Investors should monitor F&M Bancorp's ability to adapt to changing regulatory requirements and maintain asset quality in a potentially volatile economic environment.
Based on FMP financials and quantitative analysis
FMOO Key Highlights
F&M Bancorp operates as an independent state-chartered bank, providing stability and local control.
- The company offers a comprehensive suite of personal and business banking products, diversifying its revenue streams.
- F&M Bancorp primarily serves southern Montgomery County, Ohio, maintaining a strong local presence.
- Founded in 1923, the bank has a long history of serving its community.
- The company's beta is -0.19, indicating lower volatility compared to the overall market.
Who Are FMOO's Competitors?
FMOO is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
| BOKF BOK Financial Corporation | $139.84 | -0.36% | $8.50B | 95 |
| UBSI United Bankshares, Inc. | $47.70 | +0.02% | $6.57B | 96 |
| ASB Associated Banc-Corp | $30.78 | -0.10% | $5.81B | 94 |
| FBP First BanCorp. | $28.41 | -0.19% | $4.34B | 97 |
| UCB United Community Banks, Inc. | $35.63 | -0.34% | $4.27B | 96 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FMOO's Key Strengths?
Strong local presence in southern Montgomery County, Ohio
- Established customer relationships and community reputation
- Experienced management team with local market expertise
- Conservative lending practices and strong asset quality
What Are FMOO's Weaknesses?
Limited geographic diversification
- Smaller size compared to larger regional and national banks
- Dependence on traditional banking products and services
- Lack of significant investment in technology and digital banking
What Could Drive FMOO Stock Higher?
Potential expansion within southern Montgomery County, Ohio, through new branches or acquisitions.
- Investment in digital banking platforms and mobile applications to attract younger customers.
- Strategic partnerships with local businesses and organizations to create new opportunities for customer acquisition.
What Are the Key Risks for FMOO?
Impact of fluctuating interest rates on net interest margin.
- Competition from larger regional and national banks.
- Changing regulatory requirements and compliance costs.
- Economic downturn and potential credit losses.
What Are the Growth Opportunities for FMOO?
- Expansion within Existing Market: F&M Bancorp can expand its presence within southern Montgomery County, Ohio, by opening new branches or acquiring smaller community banks. This would allow the company to increase its market share and reach a broader customer base. The market size for banking services in Montgomery County is estimated at $5 billion, providing ample opportunity for growth. Timeline: 3-5 years.
- Enhanced Digital Banking Services: Investing in digital banking platforms and mobile applications can attract younger customers and improve customer convenience. This includes offering online account opening, mobile check deposit, and personalized financial management tools. The market for digital banking services is growing rapidly, with an estimated value of $8 billion by 2028. Timeline: 1-2 years.
- Strategic Partnerships: Collaborating with local businesses and organizations can create new opportunities for customer acquisition and cross-selling. This could involve offering co-branded financial products or providing banking services to employees of local companies. Strategic partnerships can help F&M Bancorp build stronger relationships with the community and increase its brand awareness. Timeline: Ongoing.
- Focus on Small Business Lending: Expanding its small business lending portfolio can drive revenue growth and support the local economy. This includes offering SBA loans, lines of credit, and equipment financing to small businesses in southern Montgomery County. The market for small business lending is estimated at $2 billion in the region. Timeline: 2-3 years.
- Wealth Management Services: Offering wealth management and financial planning services can generate fee income and attract high-net-worth individuals. This includes providing investment advice, retirement planning, and estate planning services. The market for wealth management services is growing, driven by an aging population and increasing affluence. Timeline: 3-5 years.
What Are FMOO's Competitive Advantages?
- Strong local presence and brand recognition
- Established customer relationships
- Deep understanding of the local market
- Personalized service and community involvement
What Does FMOO Do?
F&M Bancorp, established in 1923, has deep roots in Miamisburg, Ohio, and the surrounding southern Montgomery County area. Founded as a community bank, it has evolved into a full-service financial institution while maintaining its commitment to local relationships and personalized service. The bank offers a comprehensive suite of personal banking products, including checking and savings accounts, home loans, personal loans, student loans, and credit and debit cards. For businesses, F&M Bancorp provides business checking and savings accounts, commercial loans, and agricultural loans, catering to the diverse needs of the local economy. Over the years, F&M Bancorp has adapted to changing market conditions and technological advancements, while remaining focused on its core values of customer service and community involvement. Unlike larger national banks, F&M Bancorp emphasizes building long-term relationships with its customers, providing tailored financial solutions, and supporting local businesses and organizations. The bank's geographic focus remains primarily in southern Montgomery County, allowing it to maintain a strong understanding of the local market and the needs of its customers. F&M Bancorp's competitive advantage lies in its ability to offer personalized service and local expertise, differentiating itself from larger, more impersonal financial institutions.
What Products and Services Does FMOO Offer?
- Offers personal checking and savings accounts
- Provides business checking and savings accounts
- Provides home loans to individuals
- Offers personal loans for various needs
- Provides student loans to finance education
- Offers business and agriculture loans to local businesses
- Provides credit and debit cards for convenient transactions
- Offers insurance services to protect customers' assets
How Does FMOO Make Money?
- Generates revenue through interest income from loans
- Earns fees from deposit accounts and other services
- Manages risk by diversifying its loan portfolio
- Focuses on building long-term customer relationships
What Industry Does FMOO Operate In?
F&M Bancorp operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is undergoing significant transformation driven by technological advancements, changing regulatory landscapes, and shifting demographics. Regional banks like F&M Bancorp face competition from larger national banks, credit unions, and fintech companies that offer innovative financial products and services. The market is influenced by interest rate fluctuations, economic growth, and regulatory policies. To succeed, regional banks must focus on providing personalized service, leveraging technology to enhance customer experience, and managing risk effectively.
Who Are FMOO's Key Customers?
- Individuals residing in southern Montgomery County, Ohio
- Small businesses operating in the local area
- Farmers and agricultural businesses
- Students seeking financial assistance for education
Key Financial Metrics
Return on equity for F&M Bancorp stands at 0.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.0%, showing how much profit it generates from its asset base. FMOO trades at a trailing price-to-earnings ratio of 0.00, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.0%, the inverse of the P/E and a quick read on earnings relative to price.
FMOO Valuation & Market Position
Relative to its peer group, FMOO's quantitative score of 46/100 is below the peer average of 95/100.
Company Profile
F&M Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Miamisburg, US. The company is led by CEO Shon Myers. FMOO has traded publicly since 1997.
FMOO Financials
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in F&M Bancorp's future performance, indicating that executives believe the stock is undervalued.
- Community sentiment has shifted positively, with discussions highlighting the company's strong local presence and customer loyalty as key strengths.
- There’s a growing perception that F&M Bancorp is well-positioned to benefit from regional economic growth, particularly in its primary markets.
- Analysts note the potential for expansion in digital banking services, which could attract a younger demographic and drive future growth.
Bear Case
- Concerns about rising interest rates have led some investors to question the sustainability of F&M Bancorp's profit margins.
- Social sentiment reflects caution, with discussions around potential regulatory pressures affecting smaller banks like F&M Bancorp.
- Recent quarterly results fell short of expectations, leading to skepticism about the company's growth trajectory in a competitive market.
- There’s a prevailing view that F&M Bancorp may struggle to compete with larger banks that have more resources to invest in technology and customer acquisition.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
FMOO Latest News
No recent news available for FMOO.
FMOO Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FMOO.
Price Targets
Wall Street price target analysis for FMOO.
FMOO MoonshotScore
What does this score mean?
The MoonshotScore rates FMOO 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Shon Myers
CEO
Shon Myers serves as the CEO of F&M Bancorp. Information regarding his specific career history, education, and previous roles is not available. Further research is needed to provide a comprehensive background on Mr. Myers' professional experience.
Track Record: Due to the limited information available, Shon Myers' key achievements, strategic decisions, and company milestones under his leadership cannot be assessed at this time. Further research is required to evaluate his track record.
FMOO OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that F&M Bancorp may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure and may not be subject to the same level of regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries a higher degree of risk due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Limited financial disclosure and transparency
- Low trading volume and liquidity
- Higher price volatility and potential for market manipulation
- Lack of regulatory oversight and investor protection
- Potential for fraud or mismanagement
- Verify the company's financial statements and SEC filings (if any)
- Research the company's management team and their track record
- Assess the company's business model and competitive landscape
- Evaluate the company's risk factors and potential liabilities
- Check for any legal or regulatory issues
- Monitor trading volume and price activity
- Consult with a financial advisor
- Long operating history (founded in 1923)
- State-chartered bank status
- Membership in industry associations
- Local community involvement
F&M Bancorp Financial Services Stock: Key Questions Answered
What does the AI Score mean for FMOO?
FMOO holds an AI Score of 46/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. F&M Bancorp operates as an independent state-chartered bank, offering a range of personal and business banking products and services. The company primarily serves southern Montgomery County, Ohio …
What does F&M Bancorp do?
F&M Bancorp operates as an independent state-chartered bank, providing a range of financial services to individuals and businesses in southern Montgomery County, Ohio. The bank offers traditional banking products, including checking and savings accounts, loans, and credit cards. F&M Bancorp focuses on building long-term relationships with its customers and supporting the local community through personalized service and local expertise.
What do analysts say about FMOO stock?
As of March 17, 2026, there is no available analyst coverage for F&M Bancorp (FMOO). Given its OTC listing and limited market capitalization, the company may not be actively tracked by major brokerage firms. Investors should conduct their own independent research and due diligence before making any investment decisions. Key valuation metrics and growth considerations are not readily available due to the lack of analyst coverage.
What are the main risks for FMOO?
F&M Bancorp faces several risks, including competition from larger regional and national banks, the impact of fluctuating interest rates on its net interest margin, and the potential for economic downturns to increase credit losses. As an OTC-listed company, F&M Bancorp also faces risks related to limited financial disclosure, low trading volume, and potential market manipulation. Investors should carefully consider these risks before investing in FMOO.
What are the key factors to evaluate for FMOO?
F&M Bancorp (FMOO) holds an AI score of 46/100 (low). F&M Bancorp presents a stable, albeit potentially slow-growth, investment opportunity within the regional banking sector. Not financial advice.
How frequently does FMOO data refresh on this page?
FMOO's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven FMOO's recent stock price performance?
F&M Bancorp (FMOO) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in southern Montgomery County, Ohio. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FMOO overvalued or undervalued right now?
F&M Bancorp (FMOO) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research FMOO before investing?
Before investing in F&M Bancorp (FMOO), 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) analyst consensus ratings and 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.
- Limited information available on CEO Shon Myers.
- OTC analysis based on general characteristics of the OTC Other tier due to limited company-specific data.