F & M Bank Statistics
Total Valuation
F & M Bank has a market cap or net worth of $55.72 million. The enterprise value is -$265.26 million.
| Market Cap | 55.72M |
| Enterprise Value | -265.26M |
Important Dates
The last earnings date was Monday, January 30, 2023.
| Earnings Date | Jan 30, 2023 |
| Ex-Dividend Date | Feb 13, 2024 |
Share Statistics
F & M Bank has 3.48 million shares outstanding. The number of shares has increased by 0.85% in one year.
| Shares Outstanding | 3.48M |
| Shares Change (YoY) | +0.85% |
| Shares Change (QoQ) | +0.14% |
| Owned by Insiders (%) | 19.26% |
| Owned by Institutions (%) | 12.52% |
| Float | 2.49M |
Valuation Ratios
The trailing PE ratio is 20.27.
| PE Ratio | 20.27 |
| Forward PE | n/a |
| PS Ratio | 1.15 |
| Forward PS | n/a |
| PB Ratio | 0.71 |
| P/FCF Ratio | n/a |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | n/a |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 0.09, with a Debt / Equity ratio of 0.86.
| Current Ratio | 0.09 |
| Quick Ratio | 1.21 |
| Debt / Equity | 0.86 |
| Debt / EBITDA | 48.54 |
| Debt / FCF | n/a |
| Interest Coverage | -0.00 |
Financial Efficiency
Return on equity (ROE) is 3.54% and return on invested capital (ROIC) is 17.21%.
| Return on Equity (ROE) | 3.54% |
| Return on Assets (ROA) | 0.21% |
| Return on Capital (ROIC) | 17.21% |
| Revenue Per Employee | $319,576 |
| Profits Per Employee | $18,351 |
| Employee Count | 151 |
| Asset Turnover | 0.04 |
| Inventory Turnover | -0.21 |
Taxes
| Income Tax | -746,000 |
| Effective Tax Rate | -36.84% |
Stock Price Statistics
The stock price has decreased by -25.65% in the last 52 weeks. The beta is 0.35, so F & M Bank's price volatility has been lower than the market average.
| Beta (1Y) | 0.35 |
| 52-Week Price Change | -25.65% |
| 50-Day Moving Average | 17.44 |
| 200-Day Moving Average | 18.83 |
| Relative Strength Index (RSI) | 12.85 |
| Average Volume (30 Days) | 2,770 |
Short Selling Information
| Short Interest | n/a |
| Short Previous Month | n/a |
| Short % of Shares Out | n/a |
| Short % of Float | n/a |
| Short Ratio (days to cover) | n/a |
Income Statement
In the last 12 months, F & M Bank had revenue of $48.26 million and earned $2.77 million in profits. Earnings per share was $0.79.
| Revenue | 48.26M |
| Gross Profit | 45.76M |
| Operating Income | 18.36M |
| Pretax Income | 2.03M |
| Net Income | 2.77M |
| EBITDA | 1.39M |
| EBIT | 46,000 |
| Earnings Per Share (EPS) | $0.79 |
Balance Sheet
The company has -$23.72 million in cash and $67.67 million in debt, giving a net cash position of $320.98 million or $92.17 per share.
| Cash & Cash Equivalents | -23.72M |
| Total Debt | 67.67M |
| Net Cash | 320.98M |
| Net Cash Per Share | $92.17 |
| Equity / Book Value | 78.32M |
| Book Value Per Share | 22.49 |
| Working Capital | -295.61M |
Cash Flow
In the last 12 months, operating cash flow was $576,000 and capital expenditures -$5.45 million, giving a free cash flow of -$4.88 million.
| Operating Cash Flow | 576,000 |
| Capital Expenditures | -5.45M |
| Free Cash Flow | -4.88M |
| FCF Per Share | -$1.40 |
Margins
Gross margin is 94.83%, with operating and profit margins of 38.06% and 5.74%.
| Gross Margin | 94.83% |
| Operating Margin | 38.06% |
| Pretax Margin | 4.20% |
| Profit Margin | 5.74% |
| EBITDA Margin | 2.89% |
| EBIT Margin | 0.10% |
| FCF Margin | -10.11% |
Dividends & Yields
This stock pays an annual dividend of $1.04, which amounts to a dividend yield of 6.50%.
| Dividend Per Share | $1.04 |
| Dividend Yield | 6.50% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 131.76% |
| Buyback Yield | -0.85% |
| Shareholder Yield | 5.65% |
| Earnings Yield | 4.97% |
| FCF Yield | -8.75% |
Analyst Forecast
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock Splits
The last stock split was on September 29, 1998. It was a forward split with a ratio of 3:1.
| Last Split Date | Sep 29, 1998 |
| Split Type | Forward |
| Split Ratio | 3:1 |
Scores
F & M Bank has an Altman Z-Score of -0.12 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | -0.12 |
| Piotroski F-Score | 5 |