F&M Bank Corp - Understand $fmbm stock

$FMBM Market Cap: $76.02 Million

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Financial Snapshot

Revenue

$47.53M

TTM

Gross Margin

Net Earnings

$5.482M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$1.345B

Q3 2024

Total Liabilities

$1.255B

Q3 2024

Book Value

$89.99M

Q3 2024

Cash

$60.32M

Q3 2024

P/E

13.87

Nov 13, 2024 EST

Free Cash Flow

-$6.148M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Revenue	$56.33M	$42.18M	$35.58M	$36.79M	$38.21M
YoY Change	33.52%	18.57%	-3.31%	-3.71%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019
Revenue	$56.33M	$42.18M	$35.58M	$36.79M	$38.21M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$1.300M	$1.100M	$1.169M	$1.232M	$1.228M	$1.210M	$980.0K	$830.0K	$730.0K	$610.0K	$580.0K	$600.0K	$660.0K	$920.0K	$930.0K	$910.0K	$980.0K	$890.0K	$780.0K	$740.0K	$710.0K
YoY Change	18.18%	-5.9%	-5.11%	0.33%	1.49%	23.47%	18.07%	13.7%	19.67%	5.17%	-3.33%	-9.09%	-28.26%	-1.08%	2.2%	-7.14%	10.11%	14.1%	5.41%	4.23%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019
Interest Expense	$24.67M	$7.245M	$4.302M	$5.728M	$6.818M
YoY Change	240.44%	68.41%	-24.9%	-15.99%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Pretax Income	$2.025M	$8.798M	$12.06M	$10.04M	$4.389M	$9.870M	$13.37M	$12.86M	$11.47M	$8.140M	$5.870M	$7.140M	$7.270M	$5.510M	$2.370M	$4.610M	$6.110M	$6.450M	$6.630M	$6.210M	$5.680M
YoY Change	-76.98%	-27.05%	20.19%	128.64%	-55.53%	-26.18%	3.97%	12.12%	40.91%	38.67%	-17.79%	-1.79%	31.94%	132.49%	-48.59%	-24.55%	-5.27%	-2.71%	6.76%	9.33%
Income Tax	-$746.0K	$480.0K	$1.323M	$1.142M	-$250.0K	$1.040M	$3.520M	$3.100M	$2.890M	$2.290M	$1.050M	$2.100M	$2.520M	$1.680M	$340.0K	$1.420M	$1.650M	$1.930M	$1.850M	$1.860M	$1.670M
% Of Pretax Income	-36.84%	5.46%	10.97%	11.38%	-5.7%	10.54%	26.33%	24.11%	25.2%	28.13%	17.89%	29.41%	34.66%	30.49%	14.35%	30.8%	27.0%	29.92%	27.9%	29.95%	29.4%
Net Earnings	$1.055M	$8.318M	$10.74M	$8.893M	$4.639M	$8.820M	$9.010M	$9.570M	$8.420M	$5.802M	$4.720M	$4.900M	$4.690M	$3.740M	$1.950M	$3.200M	$4.450M	$4.530M	$4.780M	$4.350M	$4.010M
YoY Change	-87.32%	-22.54%	20.75%	91.7%	-47.4%	-2.11%	-5.85%	13.66%	45.12%	22.92%	-3.67%	4.48%	25.4%	91.79%	-39.06%	-28.09%	-1.77%	-5.23%	9.89%	8.48%
Net Earnings / Revenue	1.87%	19.72%	30.18%	24.17%	12.14%
Basic Earnings Per Share		$2.41	$3.25	$2.66	$1.32
Diluted Earnings Per Share	$0.79	$2.41	$3.12	$2.56	$1.30	$2.450M	$2.482M	$2.573M	$2.251M	$1.796M	$1.888M	$1.960M	$1.914M	$1.626M	$851.5K	$1.379M	$1.886M	$1.895M	$1.983M	$1.805M	$1.657M

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$24.35M	$20.45M	$18.00M	$18.70M	$19.80M	$17.80M	$15.90M	$10.30M	$7.500M	$6.500M	$6.500M	$6.400M	$6.500M	$6.800M	$7.100M	$7.500M	$7.200M	$7.700M	$5.800M	$4.800M	$5.000M
YoY Change	19.07%	13.6%	-3.74%	-5.56%	11.24%	11.95%	54.37%	37.33%	15.38%	0.0%	1.56%	-1.54%	-4.41%	-4.23%	-5.33%	4.17%	-6.49%	32.76%	20.83%	-4.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$10.14M	$12.24M	$3.200M	$3.300M
YoY Change	-17.12%	282.38%	-3.03%
Total Long-Term Assets
YoY Change
Total Assets	$1.295B	$1.246B	$1.219B	$966.9M	$814.0M	$779.7M	$753.3M	$744.9M	$665.4M	$605.3M	$552.8M	$596.9M	$566.7M	$538.9M	$539.2M	$472.1M	$386.7M	$375.9M	$346.3M	$370.0M	$309.1M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$733.0K	$886.0K	$1.000M	$19.50M	$17.50M	$16.70M	$17.80M	$16.90M	$14.60M	$11.80M	$9.400M	$11.20M	$8.800M	$7.200M	$7.400M	$7.700M	$6.500M	$7.300M	$5.300M	$5.400M	$4.900M
YoY Change	-17.27%	-11.4%	-94.87%	11.43%	4.79%	-6.18%	5.33%	15.75%	23.73%	25.53%	-16.07%	27.27%	22.22%	-2.7%	-3.9%	18.46%	-10.96%	37.74%	-1.85%	10.2%
Deferred Revenue
YoY Change
Short-Term Debt																$0.00	$2.900M	$2.600M
YoY Change																-100.0%	11.54%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$733.0K	$886.0K	$1.000M	$19.50M	$17.50M	$16.70M	$17.80M	$16.90M	$14.60M	$11.80M	$9.400M	$11.20M	$8.800M	$7.200M	$7.400M	$7.700M	$6.500M	$7.300M	$5.300M	$5.400M	$4.900M
YoY Change	-17.27%	-11.4%	-94.87%	11.43%	4.79%	-6.18%	5.33%	15.75%	23.73%	25.53%	-16.07%	27.27%	22.22%	-2.7%	-3.9%	18.46%	-10.96%	37.74%	-1.85%	10.2%
Long-Term Debt	$6.932M	$6.890M	$11.80M	$11.90M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$10.20M	$37.70M	$47.10M	$49.00M	$60.40M	$65.30M	$29.70M	$29.20M	$22.80M	$26.50M	$24.80M
YoY Change	0.61%	-41.61%	-0.84%							-100.0%	-72.94%	-19.96%	-3.88%	-18.87%	-7.5%	119.87%	1.71%	28.07%	-13.96%	6.85%
Other Long-Term Liabilities	$16.11M	$13.96M	$15.90M	$0.00								$10.20M	$10.20M	$9.900M	$2.700M	$0.00
YoY Change	15.39%	-12.22%										0.0%	3.03%	266.67%
Total Long-Term Liabilities	$23.04M	$20.85M	$27.70M	$11.90M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$10.20M	$47.90M	$57.30M	$58.90M	$63.10M	$65.30M	$29.70M	$29.20M	$22.80M	$26.50M	$24.80M
YoY Change	10.51%	-24.74%	132.77%							-100.0%	-78.71%	-16.4%	-2.72%	-6.66%	-3.37%	119.87%	1.71%	28.07%	-13.96%	6.85%
Total Liabilities	$1.216B	$1.175B	$1.119B	$871.3M	$723.1M	$688.9M	$662.6M	$658.9M	$583.0M	$527.9M	$499.1M	$547.9M	$520.8M	$496.8M	$500.3M	$435.8M	$347.6M	$337.8M	$309.8M	$335.7M	$276.8M
YoY Change	3.5%	5.02%	28.42%	20.5%	4.96%	3.97%	0.56%	13.02%	10.44%	5.77%	-8.91%	5.2%	4.83%	-0.7%	14.8%	25.37%	2.9%	9.04%	-7.72%	21.28%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019
Basic Shares Outstanding	3.476B shares	3.449M shares	3.245M shares	3.200M shares	3.189M shares
Diluted Shares Outstanding		3.449M shares	3.442M shares	3.429M shares	3.460M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $76.019 Million

About F&M BANK CORP

F&M Bank Corp. operates as a bank holding company, which engages in the provision of commercial banking services, including commercial and individual demand and time deposit accounts, repurchase agreements for commercial customers, commercial and individual loans, Internet banking, drive-in banking services, as well as a courier service for its commercial banking customers. The company is headquartered in Timberville, Virginia and currently employs 151 full-time employees. The firm operates through its banking subsidiaries, Farmers & Merchants Bank (Bank) and VSTitle, LLC (VST). The Bank is a state-chartered bank. As a commercial bank, the Bank offers a range of banking services, including commercial and individual demand and time deposit accounts, commercial and individual loans, Internet and mobile banking, drive-in banking services, automated teller machines (ATMs), as well as a courier service for its commercial banking customers. The Bank provides various types of commercial and consumer loans and has a large portfolio of residential mortgages and indirect auto loans. VST provides title insurance services to the customers in its market area, including VBS Mortgage, LLC (F&M Mortgage) and the Bank. The Bank operates approximately 14 branches and a dealer finance division in the Shenandoah Valley of Virginia. The Dealer Finance Division specializes in providing automobile financing.

Industry: State Commercial Banks Peers: Auburn National Bancorporation Inc Citizens Holding Co PNC Financial Services Group Inc Prime Meridian Holding Co Security Federal Corp