F & M BankFMBM +1.29%56 Return-on-Tangible-Asset is 0.93% as of Mar. 2026, which is 2% above its 10-year median of 0.91. GuruFocus rates FMBM with a GF Score™ of 56/100 and a GF Value™ of $24.89 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,530 Banks companies, F & M Bank ranks worse than 57.19% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. F & M Bank's annualizedNet Income for the quarter that ended in Mar. 2026 was $12.90 Mil. F & M Bank's average total tangible assets for the quarter that ended in Mar. 2026 was $1,388.27 Mil. Therefore, F & M Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.93%.
The historical rank and industry rank for F & M Bank's Return-on-Tangible-Asset or its related term are showing as below:
FMBM'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.22 Med: 0.91 Max: 1.36
Current: 0.89
During the past 13 years, F & M Bank's highest Return-on-Tangible-Asset was 1.36%. The lowest was 0.22%. And the median was 0.91%.
FMBM's Return-on-Tangible-Asset is ranked worse than 57.19% of 1530
companies
in the Banks industry
Industry Median: 0.99
vs FMBM: 0.89
F & M Bank (OTCPK:FMBM) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
F & M Bank Return-on-Tangible-Asset Related Terms
F & M Bank Return-on-Tangible-Asset Historical Data
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The historical data trend for F & M Bank's Return-on-Tangible-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.
FMBM vs FFDF, WRIV, CBBI: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, F & M Bank's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, F & M Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where F & M Bank's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.93% mean?
F & M Bank (FMBM) has a Return-on-Tangible-Asset of 0.93% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on F & M Bank and its competitors. This is near median its historical median of 0.91. Over the past decade, F & M Bank's Return-on-Tangible-Asset has ranged from 0.22 to 1.36. According to the industry distribution chart, F & M Bank ranks #875 out of 1530 companies in the Banks industry, placing it in the top 57.2%.
Is F & M Bank's Return-on-Tangible-Asset too high?
F & M Bank's current Return-on-Tangible-Asset of 0.93% is near median its 10-year median of 0.91. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 1.36. The Banks industry median Return-on-Tangible-Asset is 0.99. F & M Bank's value of 0.93% is 6.1% below this industry median. Based on the distribution chart, F & M Bank ranks #875 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, F & M Bank has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does F & M Bank's Return-on-Tangible-Asset compare to FFDF and WRIV?
According to the Banks industry distribution chart, F & M Bank ranks #875 out of 1530 companies for Return-on-Tangible-Asset. This places F & M Bank in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. F & M Bank's value of 0.93% is 6.1% below this benchmark. Historically, F & M Bank's own Return-on-Tangible-Asset has ranged from 0.22 to 1.36 over the past decade. While the company's 10-year median is 0.91 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. F & M Bank's current Return-on-Tangible-Asset of 0.93% is 6.1% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on F & M Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. F & M Bank's current Return-on-Tangible-Asset is 0.93%, which is near median its own 10-year median of 0.91. 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 $24.89, compared to a current price of $37.58 — trading 51% above its estimated fair value. The current Return-on-Tangible-Asset is 0.93%, which is near median its 10-year median of 0.91 and 6.1% below the Banks industry median of 0.99. F & M Bank's overall GF Score™ is 56/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For F & M Bank (FMBM), the current Return-on-Tangible-Asset is 0.93% 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 $37.58 is trading 51% above its estimated GF Value™ of $24.89.
GuruFocus considers F & M Bank to be Significantly Overvalued.
Key valuation signals for FMBM:
Return-on-Tangible-Asset: 0.93% (near median its 10-year median of 0.91)
GF Value™: $24.89 vs. price of $37.58 (51% above fair value)
Industry Position: 6.1% below the Banks median (#875 of 1530)
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.
56GF Score
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