F & M Bank has been growing earnings at an average annual rate of 2.5%, while the Banks industry saw earnings growing at 4.1% annually. Revenues have been growing at an average rate of 2.4% per year. F & M Bank's return on equity is 12.8%, and it has net margins of 25.5%.
Key information
2.48%
Earnings growth rate
-0.17%
EPS growth rate
Banks Industry Growth
11.18%
Revenue growth rate
2.40%
Return on equity
12.85%
Net Margin
25.53%
Last Earnings Update
30 Jun 2026
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How F & M Bank makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
OTCPK:FMBM Revenue, expenses and earnings (USD Millions)
Date
Revenue
Earnings
G+A Expenses
R&D Expenses
30 Jun 26
56
14
29
0
31 Mar 26
52
12
29
0
31 Dec 25
50
11
29
0
30 Sep 25
48
11
29
0
30 Jun 25
46
8
29
0
31 Mar 25
45
9
27
0
31 Dec 24
42
7
27
0
30 Sep 24
42
5
29
0
30 Jun 24
42
6
28
0
31 Mar 24
40
3
31
0
31 Dec 23
41
3
32
0
30 Sep 23
41
4
31
0
30 Jun 23
43
5
31
0
31 Mar 23
45
7
31
0
31 Dec 22
45
8
30
0
30 Sep 22
44
8
29
0
30 Jun 22
44
8
29
0
31 Mar 22
45
9
27
0
31 Dec 21
45
11
26
0
30 Sep 21
46
12
25
0
30 Jun 21
45
12
24
0
31 Mar 21
43
11
23
0
31 Dec 20
40
9
23
0
30 Sep 20
38
8
24
0
30 Jun 20
35
5
23
0
31 Mar 20
34
4
23
0
31 Dec 19
34
4
23
0
30 Sep 19
34
5
23
0
30 Jun 19
37
8
23
0
31 Mar 19
36
8
23
0
31 Dec 18
37
8
22
0
30 Sep 18
37
8
22
0
30 Jun 18
37
8
21
0
31 Mar 18
38
8
21
0
31 Dec 17
38
9
20
0
30 Sep 17
36
9
17
0
30 Jun 17
36
9
16
0
31 Mar 17
35
9
15
0
31 Dec 16
34
9
18
0
30 Sep 16
33
9
16
0
30 Jun 16
31
8
14
0
31 Mar 16
31
8
13
0
31 Dec 15
31
8
13
0
30 Sep 15
28
7
11
0
Quality Earnings: FMBM has high quality earnings.
Growing Profit Margin: FMBM's current net profit margins (25.5%) are higher than last year (18.6%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: FMBM's earnings have grown by 2.5% per year over the past 5 years.
Accelerating Growth: FMBM's earnings growth over the past year (69.9%) exceeds its 5-year average (2.5% per year).
Earnings vs Industry: FMBM earnings growth over the past year (69.9%) exceeded the Banks industry 23.6%.
Return on Equity
High ROE: FMBM's Return on Equity (12.8%) is considered low.
Return on Assets
Return on Capital Employed
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Company Analysis and Financial Data Status
Data
Last Updated (UTC time)
Company Analysis
2026/08/20 22:36
End of Day Share Price
2026/08/20 00:00
Earnings
2026/06/30
Annual Earnings
2025/12/31
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
F & M Bank Corp. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.