fmbm · F&m Bank Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '26 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $320.0K | - | - | - | $325.0K | - | - | - | $356.0K | - |
| Operating Income | $3.70M | - | $3.37M | $3.42M | $2.87M | - | $682.0K | $3.49M | $1.22M | - |
| Interest Expense | $6.06M | - | $7.80M | $6.29M | $6.82M | - | - | $7.52M | $7.45M | - |
| Income Tax | $478.0K | - | $445.0K | $455.0K | $414.0K | - | ($110.0K) | $471.0K | ($1.0K) | - |
| Net Income | $3.23M | - | $2.92M | $2.96M | $2.46M | - | $792.0K | $3.02M | $1.22M | - |
| EPS - Basic | - | - | - | - | - | - | - | - | - | - |
| EPS - Diluted | $0.91 | - | $0.23 | $0.84 | $0.35 | - | - | - | - | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '26 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $85.89M | $68.85M | $83.94M | $47.27M | $89.46M | $56.96M | $60.32M | $50.46M | $23.72M | $23.72M |
| Accounts Receivable | $5.21M | $5.12M | $4.93M | $5.16M | $4.96M | $4.94M | $5.07M | $5.12M | $5.09M | $5.03M |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $1.41B | $1.37B | $1.36B | $1.31B | $1.31B | $1.30B | $1.34B | $1.31B | $1.32B | $1.29B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $9.92M | $9.92M | $7.00M | $7.00M | $6.99M | $6.97M | - | - | - | $6.93M |
| Total Liabilities | $1.30B | $1.27B | $1.26B | $1.22B | $1.22B | $1.22B | $1.25B | $1.23B | $1.24B | $1.22B |
| Stockholders' Equity | $106.57M | $104.79M | $101.49M | $94.74M | $91.31M | $86.14M | $89.99M | $81.62M | $77.73M | - |
| Retained Earnings | $94.51M | $92.20M | $90.24M | $88.25M | $86.21M | $84.67M | $83.32M | $83.45M | $81.35M | $81.03M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '26 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $5.70M | - | - | - | $5.52M | - | - | - | $2.94M | - |
| Investing Cash Flow | ($17.55M) | - | - | - | $23.42M | - | - | - | $3.58M | - |
| Financing Cash Flow | $28.89M | - | - | - | $4.02M | - | - | - | $22.25M | - |
| CapEx | $732.0K | - | - | - | $131.0K | - | - | - | $70.0K | - |
| Free Cash Flow | $4.97M | - | - | - | $5.39M | - | - | - | $2.87M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '26 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.54 | - | - | - | 2.19 | - | - | - | 2.36 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 12.9% | - | 13.2% | 13.3% | 14.4% | - | -16.1% | 13.5% | -0.1% | - |
| Return on assets | 0.2% | - | 0.2% | 0.2% | 0.2% | - | 0.1% | 0.2% | 0.1% | - |
| Return on equity | 3.0% | - | 2.9% | 3.1% | 2.7% | - | 0.9% | 3.7% | 1.6% | - |
| Return on invested capital | 2.8% | - | 2.7% | 2.9% | 2.5% | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.09 | 0.09 | 0.07 | 0.07 | 0.08 | 0.08 | - | - | - | - |
| Debt / Assets | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | - | - | - | 0.01 |
| Debt / EBITDA | 2.47 | - | - | - | 2.19 | - | - | - | - | - |
| Interest coverage | 0.6x | - | 0.4x | 0.5x | 0.4x | - | - | 0.5x | 0.2x | - |
| Equity multiplier | 13.22 | 13.11 | 13.38 | 13.85 | 14.37 | 15.12 | 14.94 | 16.05 | 16.93 | - |
| Liabilities / Assets | 0.92 | 0.92 | 0.93 | 0.93 | 0.93 | 0.93 | 0.93 | 0.94 | 0.94 | 0.94 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | - | - | - | - | - | - | - | - | - | - |
| P / B | - | - | - | - | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 29.0% | - | - | -1.9% | 136.1% | - | -30.0% | 81.6% | -50.2% | - |
| Net income growth (YoY) | 31.3% | - | - | -1.7% | 101.9% | - | -22.2% | 1151.5% | 15.4% | - |
| EPS growth (YoY) | 160.0% | - | - | - | - | - | - | - | - | - |
| EPS CAGR (3y) | - | - | - | 18.1% | -22.1% | - | - | - | - | - |
| EPS CAGR (5y) | -3.9% | - | -19.0% | 1.8% | 0.0% | - | - | - | - | - |
| FCF growth (YoY) | -7.8% | - | - | - | 87.5% | - | - | - | - | - |
| FCF CAGR (5y) | -12.1% | - | - | - | - | - | - | - | -2.4% | - |
| Book value growth (YoY) | 16.7% | 21.7% | - | 16.1% | 17.5% | - | 34.3% | 13.1% | 7.0% | - |
Peer comparison
Same SIC group: State Commercial Banks
Comparing F&M BANK CORP against the 5 most active filers in the same SIC group.
Dividends
$1.04/share trailing 12 months · 0.0% YoY
| Ex-date | Per share |
|---|---|
| May 15, 2026 | $0.2600 |
| Feb 13, 2026 | $0.2600 |
| Nov 14, 2025 | $0.2600 |
| Aug 14, 2025 | $0.2600 |
| May 15, 2025 | $0.2600 |
| Feb 14, 2025 | $0.2600 |
| Nov 14, 2024 | $0.2600 |
| Aug 14, 2024 | $0.2600 |
| May 14, 2024 | $0.2600 |
| Feb 13, 2024 | $0.2600 |
| Nov 13, 2023 | $0.2600 |
| Aug 11, 2023 | $0.2600 |
| May 12, 2023 | $0.2600 |
| Feb 13, 2023 | $0.2600 |
| Nov 10, 2022 | $0.2600 |
| Aug 11, 2022 | $0.2600 |
| May 12, 2022 | $0.2600 |
| Feb 11, 2022 | $0.2600 |
| Nov 10, 2021 | $0.2600 |
| Aug 12, 2021 | $0.2600 |
| May 13, 2021 | $0.2600 |
| Feb 11, 2021 | $0.2600 |
| Nov 12, 2020 | $0.2600 |
| May 14, 2020 | $0.2600 |