F & M BankFMBM 58 EV-to-FCF is 7.98 as of Jul. 04, 2026, which is 35% below its 10-year median of 12.36. GuruFocus rates FMBM with a GF Score™ of 58/100 and a GF Value™ of $24.88 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,193 Banks companies, F & M Bank ranks worse than 54.9% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, F & M Bank's Enterprise Value is $122.58 Mil.
F & M Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $15.36 Mil. Therefore, F & M Bank's EV-to-FCF for today is 7.98.
The historical rank and industry rank for F & M Bank's EV-to-FCF or its related term are showing as below:
FMBM'
s EV-to-FCF Range Over the Past 10 Years
Min: -256.99 Med: 12.36 Max: 516.01
Current: 7.98
During the past 13 years, the highest EV-to-FCF of F & M Bank was 516.01. The lowest was -256.99. And the median was 12.36.
FMBM's EV-to-FCF is ranked worse than 54.9% of 1193
companies
in the Banks industry
Industry Median: 6.61
vs FMBM: 7.98
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
F & M Bank's share price for today is $37.10.
F & M Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.380.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
F & M Bank EV-to-FCF Related Terms
F & M Bank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for F & M Bank's EV-to-FCF 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.
For the Banks - Regional subindustry, F & M Bank's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, F & M Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where F & M Bank's EV-to-FCF falls into.
F & M Bank's current Enterprise Value is $122.58 Mil.
F & M Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $15.36 Mil.
* 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 EV-to-FCF of 7.98 as of Jul. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on F & M Bank and its competitors. This is 35% below median its historical median of 12.36. According to the industry distribution chart, F & M Bank ranks #655 out of 1193 companies in the Banks industry, placing it in the top 54.9%.
Is F & M Bank's EV-to-FCF too high?
F & M Bank's current EV-to-FCF of 7.98 is 35% below median its 10-year median of 12.36. The Banks industry median EV-to-FCF is 6.61. F & M Bank's value of 7.98 is 20.7% above this industry median. Based on the distribution chart, F & M Bank ranks #655 out of 1193 companies in the Banks industry, which is below the industry midpoint. Overall, F & M Bank has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does F & M Bank's EV-to-FCF compare to FFDF and WRIV?
According to the Banks industry distribution chart, F & M Bank ranks #655 out of 1193 companies for EV-to-FCF. This places F & M Bank in the lower half of its industry. The industry median EV-to-FCF is 6.61. F & M Bank's value of 7.98 is 20.7% above this benchmark. While the company's 10-year median is 12.36 vs. the industry median of 6.61, F & M Bank has consistently been above 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. F & M Bank's current EV-to-FCF of 7.98 is 20.7% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on F & M Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. F & M Bank's current EV-to-FCF is 7.98, which is 35% below median its own 10-year median of 12.36. 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 $24.88, compared to a current price of $37.10 — trading 49.1% above its estimated fair value. The current EV-to-FCF is 7.98, which is 35% below median its 10-year median of 12.36 and 20.7% above the Banks industry median of 6.61. F & M Bank's overall GF Score™ is 58/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For F & M Bank (FMBM), the current EV-to-FCF is 7.98 as of Jul. 04, 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 $37.10 is trading 49.1% above its estimated GF Value™ of $24.88.
GuruFocus considers F & M Bank to be Significantly Overvalued.
Key valuation signals for FMBM:
EV-to-FCF: 7.98 (35% below median its 10-year median of 12.36)
GF Value™: $24.88 vs. price of $37.10 (49.1% above fair value)
Industry Position: 20.7% above the Banks median (#655 of 1193)
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.
58GF Score
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