FMBM (F & M Bank) Long-Term Debt: $9.92 Mil (As of Mar. 2026)


FMBM F & M Bank Corp FMBM
58 GF Score
Price $37.10
GF Value $24.87
Valuation Significantly Overvalued
! 4 Warning Signs
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What is F & M Bank Long-Term Debt?

F & M Bank FMBM +0.65% 58 Long-Term Debt is $9.92 Mil as of Mar. 2026. GuruFocus rates FMBM with a GF Score™ of 58/100 and a GF Value™ of $24.87 (Significantly Overvalued). The stock has 4 warning signs investors should review.

F & M Bank's Long-Term Debt for the quarter that ended in Mar. 2026 was $9.92 Mil.

F & M Bank's quarterly Long-Term Debt increased from Sep. 2025 ($7.00 Mil) to Dec. 2025 ($9.92 Mil) and increased from Dec. 2025 ($9.92 Mil) to Mar. 2026 ($9.92 Mil).

F & M Bank's annual Long-Term Debt increased from Dec. 2023 ($6.93 Mil) to Dec. 2024 ($6.98 Mil) and increased from Dec. 2024 ($6.98 Mil) to Dec. 2025 ($9.92 Mil).

F & M Bank  (OTCPK:FMBM) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

F & M Bank Long-Term Debt Related Terms

F & M Bank Long-Term Debt Historical Data

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The historical data trend for F & M Bank's Long-Term Debt 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.

F & M Bank Long-Term Debt Chart

F & M Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 21.77 6.89 6.93 6.98 9.92

F & M Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt 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 6.99 7.00 7.00 9.92 9.92
FMBM
58GF Score
F & M Bank Corp FMBM
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $9.92 Mil mean?
F & M Bank (FMBM) has a Long-Term Debt of $9.92 Mil as of Mar. 2026.
Is F & M Bank's Long-Term Debt too high?
F & M Bank's current Long-Term Debt is $9.92 Mil. 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 Long-Term Debt compare to FFDF and WRIV?
F & M Bank's Long-Term Debt of $9.92 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. F & M Bank's current Long-Term Debt is $9.92 Mil. 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 $24.87, compared to a current price of $37.10 — trading 49.2% above its estimated fair value. The current Long-Term Debt is $9.92 Mil. 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For F & M Bank (FMBM), the current Long-Term Debt is $9.92 Mil 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 $37.10 is trading 49.2% above its estimated GF Value™ of $24.87. GuruFocus considers F & M Bank to be Significantly Overvalued.

Key valuation signals for FMBM:

  • Long-Term Debt: $9.92 Mil
  • GF Value™: $24.87 vs. price of $37.10 (49.2% above fair value)
  • GF Score™: 58/100 with 4 warning signs

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 Business Description

Address 205 South Main Street, P. O. Box 1111, Timberville, VA, USA, 22853
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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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$37.10
Price
$24.87
GF Value