F & M BankFMBM 58 Pretax Margin % is 26.21% as of Mar. 2026, which is 10% above its 10-year median of 23.88. 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 72.36% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. F & M Bank's Pre-Tax Income for the
three
months ended in Mar. 2026 was $3.70 Mil. F & M Bank's Revenue for the
three
months ended in Mar. 2026 was $14.13 Mil. Therefore, F & M Bank's pretax margin for the quarter that ended in Mar. 2026 was 26.21%.
The historical rank and industry rank for F & M Bank's Pretax Margin % or its related term are showing as below:
FMBM'
s Pretax Margin % Range Over the Past 10 Years
Min: 4.89 Med: 23.88 Max: 36.89
Current: 25.53
FMBM's Pretax Margin % is ranked worse than 72.36% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs FMBM: 25.53
F & M Bank (OTCPK:FMBM) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
F & M Bank Pretax Margin % Related Terms
F & M Bank Pretax Margin % Historical Data
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The historical data trend for F & M Bank's Pretax 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.
FMBM vs CCNB, CHBH, CBBI: Pretax Margin % Comparison
For the Banks - Regional subindustry, F & M Bank's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, F & M Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where F & M Bank's Pretax 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 Pretax Margin % of 26.21% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on F & M Bank and its competitors. This is 10% above median its historical median of 23.88. Over the past decade, F & M Bank's Pretax Margin % has ranged from 4.89 to 36.89. According to the industry distribution chart, F & M Bank ranks #1105 out of 1527 companies in the Banks industry, placing it in the top 72.4%.
Is F & M Bank's Pretax Margin % too high?
F & M Bank's current Pretax Margin % of 26.21% is 10% above median its 10-year median of 23.88. Over the past 10 years, this metric has ranged from a low of 4.89 to a high of 36.89. The Banks industry median Pretax Margin % is 34.88. F & M Bank's value of 26.21% is 24.9% below this industry median. Based on the distribution chart, F & M Bank ranks #1105 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 Pretax Margin % compare to CCNB and CHBH?
According to the Banks industry distribution chart, F & M Bank ranks #1105 out of 1527 companies for Pretax Margin %. This places F & M Bank in the lower half of its industry. The industry median Pretax Margin % is 34.88. F & M Bank's value of 26.21% is 24.9% below this benchmark. Historically, F & M Bank's own Pretax Margin % has ranged from 4.89 to 36.89 over the past decade. While the company's 10-year median is 23.88 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. F & M Bank's current Pretax Margin % of 26.21% is 24.9% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on F & M Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. F & M Bank's current Pretax Margin % is 26.21%, which is 10% above median its own 10-year median of 23.88. 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 Pretax Margin % is 26.21%, which is 10% above median its 10-year median of 23.88 and 24.9% below the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For F & M Bank (FMBM), the current Pretax Margin % is 26.21% 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:
Pretax Margin %: 26.21% (10% above median its 10-year median of 23.88)
GF Value™: $24.86 vs. price of $36.10 (45.2% above fair value)
Industry Position: 24.9% below the Banks median (#1105 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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