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F & M BankFMBM -0.25%56 Debt-to-Equity is 0.09 as of Mar. 2026, which is 88% below its 10-year median of 0.75. GuruFocus rates FMBM with a GF Score™ of 56/100 and a GF Value™ of $24.91 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,423 Banks companies, F & M Bank ranks better than 89.88% on this metric.
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: 0.07 Med: 0.75 Max: 1.47
Current: 0.09
During the past 13 years, the highest Debt-to-Equity Ratio of F & M Bank was 1.47. The lowest was 0.07. And the median was 0.75.
FMBM's Debt-to-Equity is ranked better than 89.88% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs FMBM: 0.09
F & M Bank (OTCPK:FMBM) Debt-to-Equity Explanation
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
F & M Bank Debt-to-Equity Historical Data
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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.
FMBM vs FFDF, WRIV, CBBI: Debt-to-Equity Comparison
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 Debt-to-Equity vs 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.
* 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 (FMBM) has a Debt-to-Equity of 0.09 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on F & M Bank and its competitors. This is 88% below median its historical median of 0.75. Over the past decade, F & M Bank's Debt-to-Equity has ranged from 0.07 to 1.47. According to the industry distribution chart, F & M Bank ranks #144 out of 1423 companies in the Banks industry, placing it in the top 10.1%.
Is F & M Bank's Debt-to-Equity too high?
F & M Bank's current Debt-to-Equity of 0.09 is 88% below median its 10-year median of 0.75. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 1.47. The Banks industry median Debt-to-Equity is 0.56. F & M Bank's value of 0.09 is 83.9% below this industry median. Based on the distribution chart, F & M Bank ranks #144 out of 1423 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, F & M Bank has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does F & M Bank's Debt-to-Equity compare to FFDF and WRIV?
According to the Banks industry distribution chart, F & M Bank ranks #144 out of 1423 companies for Debt-to-Equity. This places F & M Bank in the top 10% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.56. F & M Bank's value of 0.09 is 83.9% below this benchmark. Historically, F & M Bank's own Debt-to-Equity has ranged from 0.07 to 1.47 over the past decade. While the company's 10-year median is 0.75 vs. the industry median of 0.56, F & M Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,423 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. F & M Bank's current Debt-to-Equity of 0.09 is 83.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on F & M Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. F & M Bank's current Debt-to-Equity is 0.09, which is 88% below median its own 10-year median of 0.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is F & M Bank stock overvalued right now?
Based on GuruFocus' analysis, F & M Bank (FMBM) is currently considered Significantly Overvalued. The stock's GF Value™ is $24.91, compared to a current price of $39.89 — trading 60.1% above its estimated fair value. The current Debt-to-Equity is 0.09, which is 88% below median its 10-year median of 0.75 and 83.9% below the Banks industry median of 0.56. F & M Bank's overall GF Score™ is 56/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For F & M Bank (FMBM), the current Debt-to-Equity is 0.09 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is F & M Bank (FMBM) Overvalued in 2026?
Based on GuruFocus' analysis, F & M Bank stock appears to be overvalued.
The current stock price of $39.89 is trading 60.1% above its estimated GF Value™ of $24.91.
GuruFocus considers F & M Bank to be Significantly Overvalued.
Key valuation signals for FMBM:
Debt-to-Equity: 0.09 (88% below median its 10-year median of 0.75)
GF Value™: $24.91 vs. price of $39.89 (60.1% above fair value)
Industry Position: 83.9% below the Banks median (#144 of 1423)
No single metric tells the full story. See the FMBM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
F & M Bank Corp is a one-bank holding company. Along with its banking subsidiary, it offers a wide range of banking services, including commercial and individual demand and time deposit accounts, commercial and individual loans, internet and mobile banking, drive-in banking services, ATMs, and a courier service for its commercial banking customers. The Group also makes various types of commercial and consumer loans, originates both conventional and government agency-sponsored mortgages for sale in the secondary market, provides title insurance services, and has a portfolio of residential mortgages and indirect auto loans. The Group's revenue is mainly derived from the business of banking.
56GF Score
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