FMBM (F & M Bank) LT-Debt-to-Total-Asset: 0.01 (As of Mar. 2026)

What is F & M Bank LT-Debt-to-Total-Asset?

F & M Bank FMBM 58 LT-Debt-to-Total-Asset is 0.01 as of Mar. 2026. 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. F & M Bank's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.01.

F & M Bank's long-term debt to total assets ratio increased from Mar. 2025 (0.01) to Mar. 2026 (0.01). It may suggest that F & M Bank is progressively becoming more dependent on debt to grow their business.

F & M Bank (OTCPK:FMBM) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

F & M Bank LT-Debt-to-Total-Asset Related Terms

F & M Bank LT-Debt-to-Total-Asset Historical Data

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The historical data trend for F & M Bank's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

F & M Bank Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

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Dec25

LT-Debt-to-Total-Asset

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0.02

0.01

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.01	0.01	0.01	0.01	0.01

58GF Score

F & M Bank Corp FMBM

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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F & M Bank LT-Debt-to-Total-Asset Calculation

F & M Bank's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	9.917	/	1373.757
	=	0.01

F & M Bank's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	9.921	/	1408.951
	=	0.01

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.01 mean?

F & M Bank (FMBM) has a LT-Debt-to-Total-Asset of 0.01 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on F & M Bank and its competitors.

Is F & M Bank's LT-Debt-to-Total-Asset too high?

F & M Bank's current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset compare to CCNB and CHBH?

F & M Bank's LT-Debt-to-Total-Asset of 0.01 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on F & M Bank and its competitors. F & M Bank's current LT-Debt-to-Total-Asset is 0.01. 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 $36.86 — trading 48.3% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For F & M Bank (FMBM), the current LT-Debt-to-Total-Asset is 0.01 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 $36.86 is trading 48.3% above its estimated GF Value™ of $24.86. GuruFocus considers F & M Bank to be Significantly Overvalued.

Key valuation signals for FMBM:

LT-Debt-to-Total-Asset: 0.01
GF Value™: $24.86 vs. price of $36.86 (48.3% 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

Industry Financial Services Banks

Comparable Companies CCNB CHBH CBBI CTUY LSBK BBNA FCPB BNCC HYNE JDVB SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 205 South Main Street, P. O. Box 1111, Timberville, VA, USA, 22853

Website https://www.fmbankva.com

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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$36.86

Price

$24.86

GF Value

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