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FMBM (F & M Bank) GF Value Rank : 9 (As of Mar. 31, 2025)


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What is F & M Bank GF Value Rank?

F & M Bank has the GF Value Rank of 9.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Competitive Comparison of F & M Bank's GF Value Rank

For the Banks - Regional subindustry, F & M Bank's GF Value Rank, along with its competitors' market caps and GF Value Rank 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's GF Value Rank Distribution in the Banks Industry

For the Banks industry and Financial Services sector, F & M Bank's GF Value Rank distribution charts can be found below:

* The bar in red indicates where F & M Bank's GF Value Rank falls into.


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F & M Bank GF Value Rank Related Terms

Thank you for viewing the detailed overview of F & M Bank's GF Value Rank provided by GuruFocus.com. Please click on the following links to see related term pages.

F & M Bank Business Description

Industry
GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » F & M Bank Corp (OTCPK:FMBM) » Definitions » GF Value Rank
Comparable Companies
JBTC TBNK BLHK BYFC BORT BOTJ BSFO FDSB FABP PTBS NSE:HDFCBANK SHSE:600036 NSE:ICICIBANK SAU:1120 SGX:D05 XPAR:BNP MIL:ISP MIL:UCG NSE:SBIN TSE:8411
Traded in Other Exchanges
N/A
Address
205 South Main Street, P. O. Box 1111, Timberville, VA, USA, 22853
Website
https://www.fmbankva.com
F & M Bank Corp is a single-bank holding company. The Company operates two business segments, commercial banking, through F and M Bank, and mortgage banking, through F and M Mortgage. The commercial banking segment includes both commercial and consumer lending and provides customers with products such as commercial loans, real estate loans, other business financing, and consumer loans. In addition, this segment provides customers with several choice deposit products, including demand deposit accounts, savings accounts, and certificates of deposit. The mortgage banking segment engages in the origination of residential mortgages for sale into the secondary market. Various other services are offered through TEB, FMFS, and VST.
Executives
Christopher S. Runion director 5647 MOSSY CREEK ROAD, BRIDGEWATER VA 22812
John A Willingham director 925 MEADOW CT., WINCHESTER VA 22601
Daphyne S. Thomas director 1112 SHARPES DR., HARRISONBURG VA 22801
Edward Ray Burkholder director 1760 CHURCHVILLE AVENUE, STAUNTON VA 24401
Hannah W. Hutman director 270 CAMPBELL ST., HARRISONBURG VA 22801
Dean W Withers director 1685 BALD EAGLE CIRCLE, HARRISONBURG VA 22801
Anne B Keeler director 280 BON LEA DR., STAUNTON VA 24401
Peter H Wray director 2903 NORTH AUGUSTA STREET, STAUNTON VA 24401
Aubrey M. Wilkerson other: Executive Vice President 961 MEADOW COURT, WINCHESTER VA 22601
Larry A Caplinger officer: Sr Vice President PO BOX 274, TIMBERVILLE VA 22853
Paul E. Eberly other: Executive Vice President 4101 LEVI LN, ROCKINGHAM VA 22802
Barton E. Black other: Executive Vice President 12205 BAYSWATER CT., GLEN ALLEN VA 23059
Lisa F Campbell other: EVP/CFO 136 MILLSTONE ST., BRIDGEWATER VA 22812
Kevin A. Russell other: Executive Vice President 4000 RUNNING BEAR DR., HARRISONBURG VA 22802
Melody D. Emswiler other: Executive Vice President 19136 BOWERS LN, BROADWAY VA 22815