FMBM (F & M Bank) ROC %: % (As of Mar. 2026)


FMBM F & M Bank Corp FMBM
58 GF Score
Price $36.10
GF Value $24.86
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is F & M Bank ROC %?

F & M Bank FMBM 58 ROC % is % as of Mar. 2026. 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.

ROC %does not apply to banks.

FMBM
58GF Score
F & M Bank Corp FMBM
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
F & M Bank (FMBM) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on F & M Bank and its competitors.
Is F & M Bank's ROC % too high?
F & M Bank's current ROC % is %. 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 ROC % compare to CCNB and CHBH?
F & M Bank's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on F & M Bank and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. F & M Bank's current ROC % is %. 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 ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For F & M Bank (FMBM), the current ROC % is % 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:

  • ROC %: %
  • GF Value™: $24.86 vs. price of $36.10 (45.2% above fair value)
  • GF Score™: 58/100 with 4 warning signs

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 Business Description

Address 205 South Main Street, P. O. Box 1111, Timberville, VA, USA, 22853
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

Get the complete analysis for FMBM

ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$36.10
Price
$24.86
GF Value