Farmers Bank of Appomattox provides banking services. It is engaged in personal and business banking services including checking & savings, certificate of deposit, loans/mortgages, commercial checking, and commercial loans.

Financial Strength

6/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	No Debt
Equity-to-Asset	0.1
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-3.14	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

2/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	5.6
	3-Year EPS without NRI Growth Rate	2.9
	3-Year FCF Growth Rate	10.6
	3-Year Book Growth Rate	-3.4

Momentum Rank

2/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	67.25
	9-Day RSI	43.88
	14-Day RSI	35.46
	6-1 Month Momentum %	-2.16
	12-1 Month Momentum %	-2.37

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	4.49
	Dividend Payout Ratio	0.54
	3-Year Dividend Growth Rate	5.3
	Forward Dividend Yield %	4.49
	5-Year Yield-on-Cost %	6.07
	Shareholder Yield %	4.52

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	24.4
	FCF Margin %	37.04
	ROE %	7.17
	ROA %	0.65
	Years of Profitability over Past 10-Year	10

GF Value Rank

6/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	11.48
	PE Ratio without NRI	11.48
	Shiller PE Ratio	7.87
	Price-to-Owner-Earnings	8.02
	PS Ratio	2.8
	PB Ratio	0.74
	Price-to-Tangible-Book	0.74
	Price-to-Free-Cash-Flow	7.54
	Price-to-Operating-Cash-Flow	5.78
	EV-to-Revenue	2.22
	EV-to-FCF	5.92
	Price-to-Projected-FCF	0.44
	Price-to-Graham-Number	0.52
	FCF Yield %	13.27
	Forward Rate of Return (Yacktman) %	12.29

GF Value: $23.05

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