F & M BankFMBM 58 Return-on-Tangible-Equity is 12.58% as of Mar. 2026, which is 25% above its 10-year median of 10.06. 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 1,525 Banks companies, F & M Bank ranks better than 57.05% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. F & M Bank's annualized net income for the quarter that ended in Mar. 2026 was $12.90 Mil. F & M Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $102.60 Mil. Therefore, F & M Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 12.58%.
The historical rank and industry rank for F & M Bank's Return-on-Tangible-Equity or its related term are showing as below:
FMBM'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.88 Med: 10.06 Max: 12.41
Current: 12.41
During the past 13 years, F & M Bank's highest Return-on-Tangible-Equity was 12.41%. The lowest was 3.88%. And the median was 10.06%.
FMBM's Return-on-Tangible-Equity is ranked better than 57.05% of 1525
companies
in the Banks industry
Industry Median: 11.2
vs FMBM: 12.41
F & M Bank (OTCPK:FMBM) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
F & M Bank Return-on-Tangible-Equity Related Terms
F & M Bank Return-on-Tangible-Equity Historical Data
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The historical data trend for F & M Bank's Return-on-Tangible-Equity 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-Equity Comparison
For the Banks - Regional subindustry, F & M Bank's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, F & M Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where F & M Bank's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 12.58% mean?
F & M Bank (FMBM) has a Return-on-Tangible-Equity of 12.58% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on F & M Bank and its competitors. This is 25% above median its historical median of 10.06. Over the past decade, F & M Bank's Return-on-Tangible-Equity has ranged from 3.88 to 12.41. According to the industry distribution chart, F & M Bank ranks #655 out of 1525 companies in the Banks industry, placing it in the top 43%.
Is F & M Bank's Return-on-Tangible-Equity too high?
F & M Bank's current Return-on-Tangible-Equity of 12.58% is 25% above median its 10-year median of 10.06. Over the past 10 years, this metric has ranged from a low of 3.88 to a high of 12.41. The Banks industry median Return-on-Tangible-Equity is 11.20. F & M Bank's value of 12.58% is 12.3% above this industry median. Based on the distribution chart, F & M Bank ranks #655 out of 1525 companies in the Banks industry, which is above 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 Return-on-Tangible-Equity compare to FFDF and WRIV?
According to the Banks industry distribution chart, F & M Bank ranks #655 out of 1525 companies for Return-on-Tangible-Equity. This puts F & M Bank in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. F & M Bank's value of 12.58% is 12.3% above this benchmark. Historically, F & M Bank's own Return-on-Tangible-Equity has ranged from 3.88 to 12.41 over the past decade. While the company's 10-year median is 10.06 vs. the industry median of 11.20, F & M Bank has consistently been above 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 12.58% is 12.3% above 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on F & M Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — 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-Equity is 12.58%, which is 25% above median its own 10-year median of 10.06. 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 Return-on-Tangible-Equity is 12.58%, which is 25% above median its 10-year median of 10.06 and 12.3% above the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For F & M Bank (FMBM), the current Return-on-Tangible-Equity is 12.58% 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:
Return-on-Tangible-Equity: 12.58% (25% above median its 10-year median of 10.06)
GF Value™: $24.86 vs. price of $36.86 (48.3% above fair value)
Industry Position: 12.3% above the Banks median (#655 of 1525)
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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