F & M BankFMBM 58 10-Year RORE % is 5.45 as of Mar. 2026. GuruFocus rates FMBM with a GF Score™ of 58/100 and a GF Value™ of $24.88 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,091 Banks companies, F & M Bank ranks worse than 68.1% on this metric.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
F & M Bank's 10-Year RORE % for the quarter that ended in Mar. 2026 was 5.45%.
The industry rank for F & M Bank's 10-Year RORE % or its related term are showing as below:
FMBM's 10-Year RORE % is ranked worse than 68.1% of 1091
companies
in the Banks industry
Industry Median: 10.19
vs FMBM: 5.45
F & M Bank (OTCPK:FMBM) 10-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
F & M Bank 10-Year RORE % Related Terms
F & M Bank 10-Year RORE % Historical Data
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The historical data trend for F & M Bank's 10-Year RORE % 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: 10-Year RORE % Comparison
For the Banks - Regional subindustry, F & M Bank's 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % 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 10-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, F & M Bank's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where F & M Bank's 10-Year RORE % 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 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 10-year before.
F & M Bank (FMBM) has a 10-Year RORE % of 5.45 as of Mar. 2026. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on F & M Bank and its competitors. According to the industry distribution chart, F & M Bank ranks #743 out of 1091 companies in the Banks industry, placing it in the top 68.1%.
Is F & M Bank's 10-Year RORE % too high?
F & M Bank's current 10-Year RORE % is 5.45. The Banks industry median 10-Year RORE % is 10.19. F & M Bank's value of 5.45 is 46.5% below this industry median. Based on the distribution chart, F & M Bank ranks #743 out of 1091 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 10-Year RORE % compare to FFDF and WRIV?
According to the Banks industry distribution chart, F & M Bank ranks #743 out of 1091 companies for 10-Year RORE %. This places F & M Bank in the lower half of its industry. The industry median 10-Year RORE % is 10.19. F & M Bank's value of 5.45 is 46.5% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year RORE % for a Banks company?
The median 10-Year RORE % among Banks companies is 10.19, based on 1,091 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. F & M Bank's current 10-Year RORE % of 5.45 is 46.5% 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on F & M Bank and its competitors. For the Banks industry, the median 10-Year RORE % is 10.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. F & M Bank's current 10-Year RORE % is 5.45. 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 $24.88, compared to a current price of $37.10 — trading 49.1% above its estimated fair value. The current 10-Year RORE % is 5.45 and 46.5% below the Banks industry median of 10.19. 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 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For F & M Bank (FMBM), the current 10-Year RORE % is 5.45 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 $37.10 is trading 49.1% above its estimated GF Value™ of $24.88.
GuruFocus considers F & M Bank to be Significantly Overvalued.
Key valuation signals for FMBM:
10-Year RORE %: 5.45
GF Value™: $24.88 vs. price of $37.10 (49.1% above fair value)
Industry Position: 46.5% below the Banks median (#743 of 1091)
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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