F & M BankFMBM 58 5-Year Yield-on-Cost % is 2.80 as of Jul. 05, 2026, which is 23% below its 10-year median of 3.66. 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 1,251 Banks companies, F & M Bank ranks worse than 68.98% on this metric.
F & M Bank's yield on cost for the quarter that ended in Mar. 2026 was 2.80.
The historical rank and industry rank for F & M Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
FMBM'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.4 Med: 3.66 Max: 6.75
Current: 2.8
During the past 13 years, F & M Bank's highest Yield on Cost was 6.75. The lowest was 2.40. And the median was 3.66.
FMBM's 5-Year Yield-on-Cost % is ranked worse than 68.98% of 1251
companies
in the Banks industry
Industry Median: 3.93
vs FMBM: 2.80
F & M Bank (OTCPK:FMBM) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
F & M Bank 5-Year Yield-on-Cost % Related Terms
FMBM vs FFDF, WRIV, CBBI: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, F & M Bank's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, F & M Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where F & M Bank's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of F & M Bank is calculated as
F & M Bank (FMBM) has a 5-Year Yield-on-Cost % of 2.80 as of Jul. 05, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on F & M Bank and its competitors. This is 23% below median its historical median of 3.66. Over the past decade, F & M Bank's 5-Year Yield-on-Cost % has ranged from 2.40 to 6.75. According to the industry distribution chart, F & M Bank ranks #863 out of 1251 companies in the Banks industry, placing it in the top 69%.
Is F & M Bank's 5-Year Yield-on-Cost % too high?
F & M Bank's current 5-Year Yield-on-Cost % of 2.80 is 23% below median its 10-year median of 3.66. Over the past 10 years, this metric has ranged from a low of 2.40 to a high of 6.75. The Banks industry median 5-Year Yield-on-Cost % is 3.93. F & M Bank's value of 2.80 is 28.8% below this industry median. Based on the distribution chart, F & M Bank ranks #863 out of 1251 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 5-Year Yield-on-Cost % compare to FFDF and WRIV?
According to the Banks industry distribution chart, F & M Bank ranks #863 out of 1251 companies for 5-Year Yield-on-Cost %. This places F & M Bank in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.93. F & M Bank's value of 2.80 is 28.8% below this benchmark. Historically, F & M Bank's own 5-Year Yield-on-Cost % has ranged from 2.40 to 6.75 over the past decade. While the company's 10-year median is 3.66 vs. the industry median of 3.93, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.93, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. F & M Bank's current 5-Year Yield-on-Cost % of 2.80 is 28.8% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on F & M Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. F & M Bank's current 5-Year Yield-on-Cost % is 2.80, which is 23% below median its own 10-year median of 3.66. 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 5-Year Yield-on-Cost % is 2.80, which is 23% below median its 10-year median of 3.66 and 28.8% below the Banks industry median of 3.93. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For F & M Bank (FMBM), the current 5-Year Yield-on-Cost % is 2.80 as of Jul. 05, 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:
5-Year Yield-on-Cost %: 2.80 (23% below median its 10-year median of 3.66)
GF Value™: $24.88 vs. price of $37.10 (49.1% above fair value)
Industry Position: 28.8% below the Banks median (#863 of 1251)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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