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F & M Bank (F & M Bank) Debt-to-Equity : 0.86 (As of Dec. 2023)


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What is F & M Bank Debt-to-Equity?

F & M Bank's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $60.00 Mil. F & M Bank's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $6.93 Mil. F & M Bank's Total Stockholders Equity for the quarter that ended in Dec. 2023 was $78.32 Mil. F & M Bank's debt to equity for the quarter that ended in Dec. 2023 was 0.85.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for F & M Bank's Debt-to-Equity or its related term are showing as below:

FMBM' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.22   Med: 0.77   Max: 1.21
Current: 0.86

During the past 13 years, the highest Debt-to-Equity Ratio of F & M Bank was 1.21. The lowest was 0.22. And the median was 0.77.

FMBM's Debt-to-Equity is ranked worse than
58.48% of 1392 companies
in the Banks industry
Industry Median: 0.66 vs FMBM: 0.86

F & M Bank Debt-to-Equity Historical Data

The historical data trend for F & M Bank's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

F & M Bank Debt-to-Equity Chart

F & M Bank Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Debt-to-Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.70 0.35 0.22 1.09 0.86

F & M Bank Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Debt-to-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.85 0.75 1.00 0.86 0.86

Competitive Comparison of F & M Bank's Debt-to-Equity

For the Banks - Regional subindustry, F & M Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


F & M Bank's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, F & M Bank's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where F & M Bank's Debt-to-Equity falls into.



F & M Bank Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

F & M Bank's Debt to Equity Ratio for the fiscal year that ended in Dec. 2023 is calculated as

F & M Bank's Debt to Equity Ratio for the quarter that ended in Dec. 2023 is calculated as

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


F & M Bank  (OTCPK:FMBM) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.


Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.


F & M Bank Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of F & M Bank's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.


F & M Bank (F & M Bank) Business Description

Traded in Other Exchanges
N/A
Address
205 South Main Street, P. O. Box 1111, Timberville, VA, USA, 22853
F & M Bank Corp is a single-bank holding company. The Company operates two business segments, commercial banking, through F and M Bank, and mortgage banking, through F and M Mortgage. The commercial banking segment includes both commercial and consumer lending and provides customers with products such as commercial loans, real estate loans, other business financing, and consumer loans. In addition, this segment provides customers with several choice deposit products, including demand deposit accounts, savings accounts, and certificates of deposit. The mortgage banking segment engages in the origination of residential mortgages for sale into the secondary market. Various other services are offered through TEB, FMFS, and VST.
Executives
Lisa F Campbell other: EVP/CFO 136 MILLSTONE ST., BRIDGEWATER VA 22812
John A Willingham director 925 MEADOW CT., WINCHESTER VA 22601
Kevin A. Russell other: Executive Vice President 4000 RUNNING BEAR DR., HARRISONBURG VA 22802
Larry A Caplinger officer: Sr Vice President PO BOX 274, TIMBERVILLE VA 22853
Aubrey M. Wilkerson other: Executive Vice President 961 MEADOW COURT, WINCHESTER VA 22601
Dean W Withers director 1685 BALD EAGLE CIRCLE, HARRISONBURG VA 22801
Christopher S. Runion director 5647 MOSSY CREEK ROAD, BRIDGEWATER VA 22812
Melody D. Emswiler other: Executive Vice President 19136 BOWERS LN, BROADWAY VA 22815
Stephanie E Shillingburg officer: Executive Vice President 1699 LAKEVIEW DRIVE, WOODSTOCK VA 22664
Mark Christopher Hanna officer: President/CEO 495 S. MASON ST., HARRISONBURG VA 22801
Daphyne S. Thomas director 1112 SHARPES DR., HARRISONBURG VA 22801
Hannah W. Hutman director 270 CAMPBELL ST., HARRISONBURG VA 22801
Ferris Garth Knight other: EVP, Chief Banking Officer 465 FREDERICK RD., ROCKINGHAM VA 22801
Paul E. Eberly other: Executive Vice President 4101 LEVI LN, ROCKINGHAM VA 22802
Edward Ray Burkholder director 1760 CHURCHVILLE AVENUE, STAUNTON VA 24401