F & M BankFMBM 58 Net Margin % is 22.83% as of Mar. 2026, which is 9% above its 10-year median of 20.96. 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 1,527 Banks companies, F & M Bank ranks worse than 65.42% on this metric.
Net margin is calculated as Net Income divided by its Revenue. F & M Bank's Net Income for the
three
months ended in Mar. 2026 was $3.23 Mil. F & M Bank's Revenue for the
three
months ended in Mar. 2026 was $14.13 Mil. Therefore, F & M Bank's net margin for the quarter that ended in Mar. 2026 was 22.83%.
The historical rank and industry rank for F & M Bank's Net Margin % or its related term are showing as below:
FMBM'
s Net Margin % Range Over the Past 10 Years
Min: 6.7 Med: 20.96 Max: 27.44
Current: 22.18
FMBM's Net Margin % is ranked worse than 65.42% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FMBM: 22.18
F & M Bank (OTCPK:FMBM) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
F & M Bank Net Margin % Related Terms
F & M Bank Net Margin % Historical Data
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The historical data trend for F & M Bank's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, F & M Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where F & M Bank's Net 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 Net Margin % of 22.83% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on F & M Bank and its competitors. This is near median its historical median of 20.96. Over the past decade, F & M Bank's Net Margin % has ranged from 6.70 to 27.44. According to the industry distribution chart, F & M Bank ranks #999 out of 1527 companies in the Banks industry, placing it in the top 65.4%.
Is F & M Bank's Net Margin % too high?
F & M Bank's current Net Margin % of 22.83% is near median its 10-year median of 20.96. Over the past 10 years, this metric has ranged from a low of 6.70 to a high of 27.44. The Banks industry median Net Margin % is 26.95. F & M Bank's value of 22.83% is 15.3% below this industry median. Based on the distribution chart, F & M Bank ranks #999 out of 1527 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 Net Margin % compare to CCNB and CHBH?
According to the Banks industry distribution chart, F & M Bank ranks #999 out of 1527 companies for Net Margin %. This places F & M Bank in the lower half of its industry. The industry median Net Margin % is 26.95. F & M Bank's value of 22.83% is 15.3% below this benchmark. Historically, F & M Bank's own Net Margin % has ranged from 6.70 to 27.44 over the past decade. While the company's 10-year median is 20.96 vs. the industry median of 26.95, F & M Bank has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. F & M Bank's current Net Margin % of 22.83% is 15.3% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on F & M Bank and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. F & M Bank's current Net Margin % is 22.83%, which is near median its own 10-year median of 20.96. 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 Net Margin % is 22.83%, which is near median its 10-year median of 20.96 and 15.3% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For F & M Bank (FMBM), the current Net Margin % is 22.83% 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:
Net Margin %: 22.83% (near median its 10-year median of 20.96)
GF Value™: $24.86 vs. price of $36.10 (45.2% above fair value)
Industry Position: 15.3% below the Banks median (#999 of 1527)
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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