F & M Bank Past Earnings Performance
Past criteria checks 1/6
F & M Bank's earnings have been declining at an average annual rate of -4.7%, while the Banks industry saw earnings growing at 9.5% annually. Revenues have been growing at an average rate of 4.1% per year. F & M Bank's return on equity is 3.8%, and it has net margins of 7.3%.
Key information
-4.7%
Earnings growth rate
-6.3%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 4.1% |
| Return on equity | 3.8% |
| Net Margin | 7.3% |
| Last Earnings Update | 31 Mar 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses BreakdownBeta
How F & M Bank makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Mar 24 | 40 | 3 | 32 | 0 |
| 31 Dec 23 | 41 | 3 | 32 | 0 |
| 30 Sep 23 | 40 | 4 | 28 | 0 |
| 30 Jun 23 | 41 | 5 | 28 | 0 |
| 31 Mar 23 | 42 | 7 | 28 | 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 |
| 30 Jun 15 | 27 | 7 | 11 | 0 |
| 31 Mar 15 | 25 | 6 | 11 | 0 |
| 31 Dec 14 | 24 | 6 | 10 | 0 |
| 30 Sep 14 | 23 | 5 | 10 | 0 |
| 30 Jun 14 | 22 | 5 | 10 | 0 |
| 31 Mar 14 | 22 | 5 | 10 | 0 |
| 31 Dec 13 | 21 | 5 | 10 | 0 |
| 30 Sep 13 | 21 | 5 | 10 | 0 |
| 30 Jun 13 | 21 | 5 | 10 | 0 |
Quality Earnings: FMBM has high quality earnings.
Growing Profit Margin: FMBM's current net profit margins (7.3%) are lower than last year (16.1%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: FMBM's earnings have declined by 4.7% per year over the past 5 years.
Accelerating Growth: FMBM's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: FMBM had negative earnings growth (-57.2%) over the past year, making it difficult to compare to the Banks industry average (-13.2%).
Return on Equity
High ROE: FMBM's Return on Equity (3.8%) is considered low.