F & M Bk Corp Financials
This page shows F & M Bk Corp (FMBM) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Thin asset returns amplified by a liabilities-heavy balance sheet and restored cash conversion are the clearest mechanics in recent results.
The unusual combination in FY2025 is that reported debt-to-equity was only 0.1x while total liabilities still reached$1.27B against$104.8M of equity; that balance-sheet structure turns a modest return on assets of0.8% into a much stronger return on equity of10.7% . It also means the plain debt ratio understates how much this liabilities-heavy model can amplify small changes in asset returns.
FY2023's profit slump reads like a funding-cost squeeze: revenue still reached
Cash conversion improved materially in FY2025 because operating cash flow of
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of F & M Bk Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
F & M Bk Corp's revenue grew 5.1% year-over-year to $67.8M, a solid pace of expansion. This earns a growth score of 49/100.
F & M Bk Corp carries a low D/E ratio of 0.09, meaning only $0.09 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.
F & M Bk Corp has a free cash flow margin of 23.3%, earning a moderate score of 59/100. The company generates positive cash flow after capital investments, but with room for improvement.
F & M Bk Corp's ROE of 10.7% shows moderate profitability relative to equity, earning a score of 30/100. This is up from 8.5% the prior year.
F & M Bk Corp passes 4 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, F & M Bk Corp generates $1.47 in operating cash flow ($16.5M OCF vs $11.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
F & M Bk Corp generated $67.8M in revenue in fiscal year 2025. This represents an increase of 5.1% from the prior year.
F & M Bk Corp reported $11.2M in net income in fiscal year 2025. This represents an increase of 54.1% from the prior year.
F & M Bk Corp earned $3.16 per diluted share (EPS) in fiscal year 2025. This represents an increase of 52.7% from the prior year.
Cash & Balance Sheet
F & M Bk Corp generated $15.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 130.3% from the prior year.
F & M Bk Corp held $68.9M in cash against $9.9M in long-term debt as of fiscal year 2025.
F & M Bk Corp paid $1.04 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.
F & M Bk Corp had 4M shares outstanding in fiscal year 2025. This represents an increase of 0.9% from the prior year.
Margins & Returns
F & M Bk Corp's net profit margin was 16.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 5.3 percentage points from the prior year.
F & M Bk Corp's ROE was 10.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.3 percentage points from the prior year.
Capital Allocation
F & M Bk Corp spent $402K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
F & M Bk Corp invested $724K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 156.7% from the prior year.
FMBM Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $17.6M+3.3% | $17.1M+1.4% | $16.8M+3.4% | $16.3M-3.7% | $16.9M+3.7% | $16.3M+3.6% | $15.7M+0.9% | $15.6M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $9.5M+1.5% | $9.3M+7.0% | $8.7M-8.5% | $9.5M+16.4% | $8.2M-15.3% | $9.7M+18.2% | $8.2M-3.0% | $8.4M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $6.6M+0.1% | $6.6M+4.3% | $6.3M-7.8% | $6.8M-12.4% | $7.8M-0.1% | $7.8M+3.7% | $7.5M+1.0% | $7.4M |
| Income Tax | $434K-2.5% | $445K-2.2% | $455K+9.9% | $414K+48.9% | $278K+352.7% | -$110K-123.4% | $471K+47200.0% | -$1K |
| Net Income | $2.9M-1.4% | $2.9M-1.4% | $3.0M+20.7% | $2.5M+8.7% | $2.3M+185.5% | $792K-73.7% | $3.0M+147.7% | $1.2M |
| EPS (Diluted) | N/A | $0.82-2.4% | $0.84+20.0% | $0.70 | N/A | $0.23-73.3% | $0.86+145.7% | $0.35 |
FMBM Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.4B+1.2% | $1.4B+3.5% | $1.3B0.0% | $1.3B+0.8% | $1.3B-3.2% | $1.3B+2.7% | $1.3B-0.5% | $1.3B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $68.9M-18.0% | $83.9M+77.6% | $47.3M-47.2% | $89.5M+57.1% | $57.0M-5.6% | $60.3M+19.5% | $50.5M-3.9% | $52.5M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | $5.1M+3.8% | $4.9M-4.5% | $5.2M+4.2% | $5.0M+0.4% | $4.9M-2.5% | $5.1M-1.1% | $5.1M+0.6% | $5.1M |
| Goodwill | $3.1M0.0% | $3.1M0.0% | $3.1M0.0% | $3.1M0.0% | $3.1M0.0% | $3.1M0.0% | $3.1M0.0% | $3.1M |
| Total Liabilities | $1.3B+1.0% | $1.3B+3.2% | $1.2B-0.3% | $1.2B+0.4% | $1.2B-3.1% | $1.3B+2.2% | $1.2B-0.8% | $1.2B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $9.9M+41.7% | $7.0M+0.1% | $7.0M+0.1% | $7.0M+0.2% | $7.0M | N/A | N/A | N/A |
| Total Equity | $104.8M+3.2% | $101.5M+7.1% | $94.7M+3.8% | $91.3M+6.0% | $86.1M-4.3% | $90.0M+10.3% | $81.6M+5.0% | $77.7M |
| Retained Earnings | $92.2M+2.2% | $90.2M+2.3% | $88.2M+2.4% | $86.2M+1.8% | $84.7M+1.6% | $83.3M-0.1% | $83.4M+2.6% | $81.3M |
FMBM Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.9M-72.7% | $7.0M+246.7% | $2.0M-63.2% | $5.5M+56.5% | $3.5M+220.2% | $1.1M+353.1% | -$435K-114.8% | $2.9M |
| Capital Expenditures | $344K+204.4% | $113K-16.9% | $136K+3.8% | $131K+107.9% | $63K-4.5% | $66K-20.5% | $83K+18.6% | $70K |
| Free Cash Flow | $1.6M-77.2% | $6.9M+265.7% | $1.9M-64.9% | $5.4M+55.6% | $3.5M+234.5% | $1.0M+299.8% | -$518K-118.0% | $2.9M |
| Investing Cash Flow | -$29.3M-258.4% | -$8.2M+79.5% | -$39.8M-270.1% | $23.4M-27.1% | $32.1M+273.9% | -$18.5M-278.2% | $10.4M+189.7% | $3.6M |
| Financing Cash Flow | $11.8M-68.7% | $37.8M+959.8% | -$4.4M-209.3% | $4.0M+110.3% | -$39.0M-243.2% | $27.2M+327.8% | -$11.9M-153.7% | $22.3M |
| Dividends Paid | $924K-0.1% | $925K-0.2% | $927K+1.1% | $917K+0.2% | $915K0.0% | $915K0.0% | $915K+1.1% | $905K |
| Share Buybacks | $133K | N/A | N/A | N/A | $0 | N/A | N/A | N/A |
FMBM Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 16.4%-0.8pp | 17.2%-0.5pp | 17.6%+2.5pp | 15.1%+1.7pp | 13.4%+8.5pp | 4.9%-14.3pp | 19.2%+11.4pp | 7.8% |
| Return on Equity | 2.8%-0.1pp | 2.9%-0.3pp | 3.1%+0.4pp | 2.7%+0.1pp | 2.6%+1.7pp | 0.9%-2.8pp | 3.7%+2.1pp | 1.6% |
| Return on Assets | 0.2%-0.0pp | 0.2%0.0pp | 0.2%+0.0pp | 0.2%+0.0pp | 0.2%+0.1pp | 0.1%-0.2pp | 0.2%+0.1pp | 0.1% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.09+0.0 | 0.070.0 | 0.070.0 | 0.080.0 | 0.08-13.9 | 13.94-1.1 | 15.05-0.9 | 15.93 |
| FCF Margin | 8.9%-31.6pp | 40.6%+29.3pp | 11.3%-21.9pp | 33.1%+12.6pp | 20.5%+14.1pp | 6.3%+9.7pp | -3.3%-21.7pp | 18.4% |
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Frequently Asked Questions
What is F & M Bk Corp's annual revenue?
F & M Bk Corp (FMBM) reported $67.8M in total revenue for fiscal year 2025. This represents a 5.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is F & M Bk Corp's revenue growing?
F & M Bk Corp (FMBM) revenue grew by 5.1% year-over-year, from $64.5M to $67.8M in fiscal year 2025.
Is F & M Bk Corp profitable?
Yes, F & M Bk Corp (FMBM) reported a net income of $11.2M in fiscal year 2025, with a net profit margin of 16.6%.
How much debt does F & M Bk Corp have?
As of fiscal year 2025, F & M Bk Corp (FMBM) had $68.9M in cash and equivalents against $9.9M in long-term debt.
What is F & M Bk Corp's net profit margin?
F & M Bk Corp (FMBM) had a net profit margin of 16.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does F & M Bk Corp pay dividends?
Yes, F & M Bk Corp (FMBM) paid $1.04 per share in dividends during fiscal year 2025.
What is F & M Bk Corp's return on equity (ROE)?
F & M Bk Corp (FMBM) has a return on equity of 10.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is F & M Bk Corp's free cash flow?
F & M Bk Corp (FMBM) generated $15.8M in free cash flow during fiscal year 2025. This represents a 130.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is F & M Bk Corp's operating cash flow?
F & M Bk Corp (FMBM) generated $16.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are F & M Bk Corp's total assets?
F & M Bk Corp (FMBM) had $1.4B in total assets as of fiscal year 2025, including both current and long-term assets.
What are F & M Bk Corp's capital expenditures?
F & M Bk Corp (FMBM) invested $724K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is F & M Bk Corp's debt-to-equity ratio?
F & M Bk Corp (FMBM) had a debt-to-equity ratio of 0.09 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is F & M Bk Corp's return on assets (ROA)?
F & M Bk Corp (FMBM) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is F & M Bk Corp's Piotroski F-Score?
F & M Bk Corp (FMBM) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are F & M Bk Corp's earnings high quality?
F & M Bk Corp (FMBM) has an earnings quality ratio of 1.47x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is F & M Bk Corp?
F & M Bk Corp (FMBM) scores 40 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.