F & M Bank Corp. (FMBM)
OTCMKTS · Delayed Price · Currency is USD
39.95
+0.55 (1.40%)
Aug 21, 2026, 9:30 AM EST
F & M Bank Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 11.23 | 7.29 | 2.77 | 8.32 | 10.74 |
Depreciation & Amortization | 1.32 | 1.4 | 1.35 | 1.14 | 1.24 |
Other Amortization | 0.03 | 0.04 | 0.04 | 0.12 | - |
Gain (Loss) on Sale of Assets | -0.12 | -0.03 | -0.02 | 0.05 | 0.33 |
Gain (Loss) on Sale of Investments | 1.29 | 1.54 | 0.99 | 0.79 | 2.39 |
Provision for Credit Losses | 2.7 | 2.34 | 1.03 | 0.87 | -2.82 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 0.45 | 0.34 | 1.07 | 6.04 | 14.1 |
Accrued Interest Receivable | -0.18 | 0.1 | -1.04 | -0.88 | -0.39 |
Change in Other Net Operating Assets | 1.88 | -3.57 | -2.83 | 4.26 | 0.48 |
Other Operating Activities | -1.16 | -1.04 | -0.65 | -0.79 | -0.2 |
Operating Cash Flow | 16.5 | 7.13 | 2.17 | 17.57 | 21.28 |
Operating Cash Flow Growth | 131.36% | 229.47% | -87.68% | -17.43% | 1051.57% |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -0.72 | -0.28 | -5.45 | -3.64 | -0.56 |
Sale of Property, Plant and Equipment | - | 0.37 | 0.1 | 0.03 | 0.14 |
Cash Acquisitions | - | - | - | - | 13.95 |
Investment in Securities | -4.08 | 45.11 | 33.74 | -37.29 | -301.81 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -49.2 | -20.51 | -79.96 | -82.06 | 43.37 |
Other Investing Activities | 0.15 | 2.89 | 1.6 | -2.6 | 1.21 |
Investing Cash Flow | -53.86 | 27.58 | -49.97 | -125.57 | -243.7 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Short-Term Debt Issued | - | - | - | 70 | - |
Long-Term Debt Issued | 9.91 | - | - | - | - |
Total Debt Issued | 9.91 | - | - | 70 | - |
Short-Term Debt Repaid | - | -60 | -10 | - | - |
Long-Term Debt Repaid | -7 | - | - | -15 | -11.43 |
Total Debt Repaid | -7 | -60 | -10 | -15 | -11.43 |
Net Debt Issued (Repaid) | 2.91 | -60 | -10 | 55 | -11.43 |
Issuance of Common Stock | 0.32 | 0.31 | 0.32 | 0.34 | 0.3 |
Repurchase of Common Stock | -0.4 | - | - | - | - |
Preferred Share Repurchases | - | - | - | - | -0.63 |
Common Dividends Paid | -3.69 | -3.65 | -3.61 | -3.59 | -3.4 |
Preferred Dividends Paid | - | - | - | - | -0.2 |
Total Dividends Paid | -3.69 | -3.65 | -3.61 | -3.59 | -3.59 |
Net Increase (Decrease) in Deposit Accounts | 50.11 | 61.87 | 49.86 | 3.08 | 247.48 |
Financing Cash Flow | 49.25 | -1.47 | 36.57 | 54.83 | 232.13 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | 11.89 | 33.24 | -11.24 | -53.17 | 9.71 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 15.78 | 6.85 | -3.29 | 13.93 | 20.72 |
Free Cash Flow Growth | 130.32% | - | - | -32.77% | 1773.24% |
Free Cash Flow Margin | 31.56% | 16.18% | -8.06% | 30.73% | 45.63% |
Free Cash Flow Per Share | 4.44 | 1.95 | -0.95 | 4.04 | 6.02 |
Additional Metrics
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 26.76 | 30.24 | 23.37 | 7.44 | 4.07 |
Cash Income Tax Paid | 1.15 | 0.61 | 0.36 | 0.03 | 2.01 |