Revenue
Unavailable
Fiscal year ended 2025-12-31Net income
$11.23M
Fiscal year ended 2025-12-31Total assets
$1.37B
Fiscal year ended 2025-12-31F&M BANK CORP (FMBM) reported net income of $11.23M for the fiscal year ended 2025-12-31. This page shows 10 annual periods of income statement, balance sheet and cash flow figures normalized from F&M BANK CORP’s SEC filings, each linked to the filing it came from. It is classified by the SEC under State Commercial Banks.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Cost of revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Gross profit | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating income | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Net income | $11.23M | $7.28M | $2.77M | $8.32M | $10.74M | $8.89M | $4.64M | $8.82M | $9.01M | $9.57M |
| Research & development | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Weighted-average diluted shares | shares 3.55M | shares 3.51M | shares 3.48B | shares 3.45M | shares 3.44M | shares 3.43M | shares 3.46M | shares 3.60M | shares 3.63M | shares 3.72M |
| Pretax income | $12.98M | $7.92M | $2.02M | $8.80M | $12.06M | $10.04M | $4.39M | $9.87M | $13.37M | $12.86M |
| Income tax expense | $1.75M | $638.00K | -$746.00K | $480.00K | $1.32M | $1.14M | -$250.00K | $1.04M | $4.33M | $3.10M |
| Diluted EPS | $3.16 | $2.07 | $0.80 | $2.41 | $3.12 | $2.56 | $1.30 | $2.45 | $2.48 | $2.57 |
| Selling, general & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| General & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Selling & marketing | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Balance
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | Unavailable | Unavailable | $23.72M | $34.95M | $88.12M | $78.41M | $75.80M | $10.91M | $11.91M | $16.36M |
| Total assets | $1.37B | $1.30B | $1.29B | $1.25B | $1.22B | $966.93M | $814.00M | $779.74M | $753.27M | $744.89M |
| Current assets | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total liabilities | $1.27B | $1.22B | $1.22B | $1.18B | $1.12B | $871.30M | $722.42M | $688.34M | $662.00M | $658.21M |
| Current liabilities | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total equity incl. NCI | $103.97M | $85.55M | $78.32M | $70.79M | $100.46M | $95.63M | $91.58M | $91.40M | $91.03M | $86.68M |
| Temporary (mezzanine) equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Inventory | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts receivable | $5.12M | $4.94M | $5.03M | $4.00M | $3.12M | $2.73M | $2.04M | Unavailable | Unavailable | Unavailable |
| Goodwill | $3.08M | $3.08M | $3.08M | $3.08M | $3.08M | $2.88M | $2.88M | $2.88M | $2.88M | $2.67M |
| Long-term debt | $9.92M | $6.98M | $6.93M | $6.89M | $21.77M | $33.20M | $53.20M | $40.22M | $49.73M | $64.24M |
| Accounts payable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Cash flow
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $16.50M | $7.13M | $2.16M | $17.57M | $21.28M | $1.85M | $15.37M | $11.88M | $6.85M | $15.59M |
| Capital expenditures | $724.00K | $282.00K | $5.45M | $3.64M | $563.00K | $742.00K | $2.38M | $3.00M | $6.48M | $3.55M |
| Investing cash flow | -$53.86M | $27.58M | -$49.97M | -$125.57M | -$243.70M | -$142.14M | $21.49M | -$31.70M | -$10.03M | -$75.74M |
| Financing cash flow | $49.25M | -$1.47M | $36.57M | $54.83M | $232.13M | $142.89M | $28.03M | $18.82M | -$1.27M | $67.99M |
| Net change in cash | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | $2.60M | $64.89M | -$995.00K | -$4.45M | $7.84M |
| Stock-based compensation | $420.00K | $226.00K | $259.00K | $193.00K | $86.00K | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Common dividends paid | $3.69M | $3.65M | Unavailable | Unavailable | Unavailable | -$3.33M | -$3.27M | $4.30M | $3.39M | $3.12M |
| Common share repurchases | $402.00K | $0 | Unavailable | Unavailable | Unavailable | -$473.00K | Unavailable | Unavailable | Unavailable | Unavailable |
| Depreciation & amortization | $1.30M | $1.40M | $1.30M | $1.10M | $1.20M | $1.23M | $1.23M | $1.14M | $930.00K | $827.00K |
Derived
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Free cash flow | $15.78M | $6.85M | -$3.29M | $13.93M | $20.72M | $1.11M | $12.99M | $8.88M | $370.00K | $12.03M |
| Gross margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| FCF margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| SBC / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Current ratio | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Revenue YoY growth | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Net margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| R&D / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| CapEx / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Long-term debt / equity | 0.10x | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Effective tax rate | 13.5% | 8.1% | -36.8% | 5.5% | 11.0% | 11.4% | -5.7% | 10.5% | 32.4% | 24.1% |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open FMBM in the interactive workspace to inspect any figure back to its filing.
Source filings
10-Q · Filed 2026-08-13View SEC filing
10-Q · Filed 2026-05-13View SEC filing
10-K · Filed 2026-03-27View SEC filing
10-Q · Filed 2025-11-13View SEC filing
10-Q · Filed 2025-08-14View SEC filing
10-Q · Filed 2025-05-15View SEC filing
Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.