F & M BankFMBM 58 FCF Margin % is 35.16% as of Mar. 2026, which is 34% above its 10-year median of 26.15. GuruFocus rates FMBM with a GF Score™ of 58/100 and a GF Value™ of $24.86 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,505 Banks companies, F & M Bank ranks better than 53.42% 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 $14.13 Mil. Therefore, F & M Bank's FCF Margin % for the quarter that ended in Mar. 2026 was 35.16%.
The historical rank and industry rank for F & M Bank's FCF Margin % or its related term are showing as below:
FMBM'
s FCF Margin % Range Over the Past 10 Years
Min: -7.95 Med: 26.15 Max: 48.95
Current: 28.39
During the past 13 years, the highest FCF Margin % of F & M Bank was 48.95%. The lowest was -7.95%. And the median was 26.15%.
FMBM's FCF Margin % is ranked better than 53.42% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs FMBM: 28.39
F & M Bank FCF Margin % Related Terms
F & M Bank FCF Margin % Historical Data
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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 35.16% 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 34% above median its historical median of 26.15. According to the industry distribution chart, F & M Bank ranks #701 out of 1505 companies in the Banks industry, placing it in the top 46.6%.
Is F & M Bank's FCF Margin % too high?
F & M Bank's current FCF Margin % of 35.16% is 34% above median its 10-year median of 26.15. The Banks industry median FCF Margin % is 26.42. F & M Bank's value of 35.16% is 33.1% above this industry median. Based on the distribution chart, F & M Bank ranks #701 out of 1505 companies in the Banks industry, which is above 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 FCF Margin % compare to CCNB and CHBH?
According to the Banks industry distribution chart, F & M Bank ranks #701 out of 1505 companies for FCF Margin %. This puts F & M Bank in the upper half of its industry. The industry median FCF Margin % is 26.42. F & M Bank's value of 35.16% is 33.1% above this benchmark. While the company's 10-year median is 26.15 vs. the industry median of 26.42, 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 26.42, based on 1,505 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 35.16% is 33.1% 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 26.42 — 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 35.16%, which is 34% 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 $24.86, compared to a current price of $36.10 — trading 45.2% above its estimated fair value. The current FCF Margin % is 35.16%, which is 34% above median its 10-year median of 26.15 and 33.1% above the Banks industry median of 26.42. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For F & M Bank (FMBM), the current FCF Margin % is 35.16% 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 $36.10 is trading 45.2% above its estimated GF Value™ of $24.86.
GuruFocus considers F & M Bank to be Significantly Overvalued.
Key valuation signals for FMBM:
FCF Margin %: 35.16% (34% above median its 10-year median of 26.15)
GF Value™: $24.86 vs. price of $36.10 (45.2% above fair value)
Industry Position: 33.1% above the Banks median (#701 of 1505)
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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