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F & M BankFMBM -0.86%54 FCF Margin % is 34.68% as of Mar. 2026, which is 33% above its 10-year median of 26.15. GuruFocus rates FMBM with a GF Score™ of 54/100 and a GF Value™ of $25.06 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,500 Banks companies, F & M Bank ranks worse than 50.07% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. F & M Bank's Free Cash Flow for the
three
months ended in Mar. 2026 was $4.97 Mil. F & M Bank's Revenue for the
three
months ended in Mar. 2026 was $14.33 Mil. Therefore, F & M Bank's FCF Margin % for the quarter that ended in Mar. 2026 was 34.68%.
The historical data trend for F & M Bank's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, F & M Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where F & M Bank's FCF Margin % 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 FCF Margin % of 34.68% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on F & M Bank and its competitors. This is 33% above median its historical median of 26.15. According to the industry distribution chart, F & M Bank ranks #751 out of 1500 companies in the Banks industry, placing it in the top 50.1%.
Is F & M Bank's FCF Margin % too high?
F & M Bank's current FCF Margin % of 34.68% is 33% above median its 10-year median of 26.15. The Banks industry median FCF Margin % is 26.40. F & M Bank's value of 34.68% is 31.4% above this industry median. Based on the distribution chart, F & M Bank ranks #751 out of 1500 companies in the Banks industry, which is below the industry midpoint. Overall, F & M Bank has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does F & M Bank's FCF Margin % compare to CBBI and AFBI?
According to the Banks industry distribution chart, F & M Bank ranks #751 out of 1500 companies for FCF Margin %. This places F & M Bank in the lower half of its industry. The industry median FCF Margin % is 26.40. F & M Bank's value of 34.68% is 31.4% above this benchmark. While the company's 10-year median is 26.15 vs. the industry median of 26.40, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.40, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. F & M Bank's current FCF Margin % of 34.68% is 31.4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on F & M Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. F & M Bank's current FCF Margin % is 34.68%, which is 33% above median its own 10-year median of 26.15. 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 $25.06, compared to a current price of $40.40 — trading 61.2% above its estimated fair value. The current FCF Margin % is 34.68%, which is 33% above median its 10-year median of 26.15 and 31.4% above the Banks industry median of 26.40. F & M Bank's overall GF Score™ is 54/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For F & M Bank (FMBM), the current FCF Margin % is 34.68% 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 $40.40 is trading 61.2% above its estimated GF Value™ of $25.06.
GuruFocus considers F & M Bank to be Significantly Overvalued.
Key valuation signals for FMBM:
FCF Margin %: 34.68% (33% above median its 10-year median of 26.15)
GF Value™: $25.06 vs. price of $40.40 (61.2% above fair value)
Industry Position: 31.4% above the Banks median (#751 of 1500)
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.
54GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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