F & M Bank Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 6, 2026	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
Market Capitalization	137	102	71	67	80	99
Market Cap Growth	104.70%	43.38%	6.03%	-15.69%	-19.54%	33.17%
Last Close Price	38.41	28.30	19.00	17.18	19.31	23.34
PE Ratio	11.40	9.11	9.79	24.28	9.59	9.41
PS Ratio	2.65	2.05	1.68	1.65	1.76	2.18
PB Ratio	1.28	0.98	0.83	0.86	1.13	0.99
P/FCF Ratio	8.90	6.48	10.41	-	5.73	4.79
P/OCF Ratio	8.19	6.20	10.00	31.07	4.54	4.66
Debt / Equity Ratio	0.10	0.10	0.09	0.86	1.10	0.23
Debt / FCF Ratio	0.72	0.68	1.10	-	5.59	1.11
Net Debt / Equity Ratio	-0.70	-0.56	-0.57	0.56	0.60	-0.65
Net Debt / FCF Ratio	-4.88	-3.68	-7.22	-13.35	3.07	-3.15
Return on Equity (ROE)	12.13%	11.76%	8.86%	3.72%	9.71%	10.95%
Return on Assets (ROA)	0.88%	0.84%	0.56%	0.22%	0.68%	0.98%
Earnings Yield	8.78%	10.98%	10.21%	4.12%	10.42%	10.83%
FCF Yield	11.24%	15.43%	9.61%	-4.89%	17.46%	20.89%
Dividend Yield	2.71%	3.67%	5.47%	6.05%	5.38%	4.46%
Payout Ratio	30.85%	32.89%	50.10%	130.35%	43.16%	33.46%
Buyback Yield / Dilution	-1.07%	-1.15%	-1.04%	-0.78%	-0.21%	-0.39%
Total Shareholder Return	1.64%	2.53%	4.44%	5.27%	5.18%	4.06%