FMBM

No institutional (13F) filings cover this company, so the Overview and 13F tabs are thin. Everything drawn from its SEC filings is here.

FY2025 basis· bank

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FMBM vs. State Commercial Banks peers

Ranked against 19 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-09-30.

Where it ranks

top thirdmiddlebottompeer median

ValuationCheaper than peers scores higher

P / E

FMBM 13.2× · med 14.2× · p25–p75 12.7×–18.1×

70th pct

P / S

FMBM — · med 3.3× · p25–p75 2.7×–3.5×

not enough peer data

—

EV / EBITDA

FMBM — · med 12.8×

not enough peer data

—

P / B

FMBM 1.4× · med 1.2× · p25–p75 1.1×–1.6×

30th pct

GrowthLatest fiscal-year revenue vs prior year

Revenue growth (YoY)

FMBM — · med 7.6% · p25–p75 2.3%–37.8%

not enough peer data

—

ProfitabilityMargins vs the sector

Gross margin

FMBM — · med 54.3%

not enough peer data

—

Operating margin

FMBM —

not enough peer data

—

Net margin

FMBM — · med 21.3% · p25–p75 17.5%–24.2%

not enough peer data

—

FCF margin

FMBM — · med 28.5% · p25–p75 17.9%–34.5%

not enough peer data

—

Returns on capitalHow hard the capital works

Return on equity

FMBM 10.8% · med 9.6% · p25–p75 7.0%–10.3%

85th pct

Return on invested capital

FMBM 9.9% · med 7.1% · p25–p75 5.0%–9.6%

80th pct

LeverageLess debt scores higher

Net debt / EBITDA

FMBM — · med 3.1×

not enough peer data

—

13F convictionInstitutional breadth & ownership

13F holders

FMBM — · med 49 · p25–p75 23–140

not enough peer data

—

Institutional ownership

FMBM — · med 1.3% · p25–p75 0.6%–2.6%

not enough peer data

—

Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.

Peer table

Click a column to sort · latest FY

Company	Mkt cap ▼	P/E	EV/EBITDA	P/S	Rev gr	Gross	Net	ROE	ROIC	Net D/EBITDA	13F
STTSTATE STREET CORP	$46.2B	18.1×	—	3.3×	7.3%	—	21.1%	10.6%	10.6%	—	388
NTRSNORTHERN TRUST CORP	$30.9B	19.4×	—	3.8×	-2.5%	—	21.5%	13.4%	13.4%	—	272
CFGCITIZENS FINANCIAL GRO…	$26.7B	16.5×	—	3.2×	5.6%	—	22.2%	7.0%	4.9%	—	319
FCNCAFIRST CITIZENS BANCSHA…	$26.1B	14.2×	—	2.7×	-2.2%	—	23.1%	9.9%	3.8%	—	162
ALLYAlly Financial Inc.	$11.6B	16.1×	—	1.5×	-3.3%	—	10.8%	5.5%	2.5%	—	140
UCBUNITED COMMUNITY BANKS…	$4.4B	14.0×	—	4.1×	11.7%	—	30.9%	9.0%	8.5%	—	84
FBPFIRST BANCORP /PR/	$4.0B	12.2×	—	3.1×	2.4%	—	27.5%	17.5%	15.3%	—	67
FHBFIRST HAWAIIAN, INC.	$3.1B	11.4×	—	3.5×	8.9%	—	31.4%	10.0%	10.0%	—	74
BUSEFIRST BUSEY CORP /NV/	$2.4B	19.6×	—	3.3×	55.7%	—	18.8%	5.5%	5.5%	—	61
GABCGERMAN AMERICAN BANCOR…	$1.8B	16.0×	—	3.8×	37.8%	—	23.1%	9.7%	8.9%	—	39
PEBOPEOPLES BANCORP INC	$1.4B	12.9×	12.8×	16.0×	2.3%	—	—	8.8%	5.8%	3.1×	41
UVSPUNIVEST FINANCIAL Corp	$1.1B	12.7×	—	3.3×	9.6%	—	27.7%	9.6%	9.4%	—	49
FMNBFARMERS NATIONAL BANC …	$927M	10.8×	—	3.3×	3.9%	—	19.5%	11.2%	6.4%	—	33
WASHWASHINGTON TRUST BANCO…	$736M	14.2×	—	3.2×	128%	—	22.8%	9.6%	9.6%	—	39
ACNBACNB CORP	$665M	18.2×	—	3.5×	45.1%	—	19.3%	8.8%	5.0%	—	22
COFSCHOICEONE FINANCIAL SE…	$530M	17.6×	—	2.3×	63.6%	—	12.4%	6.1%	6.1%	—	23
CFFIC & F FINANCIAL CORP	$357M	13.2×	—	2.5×	10.6%	—	19.1%	10.3%	9.5%	—	11
MYFWFirst Western Financia…	$303M	23.1×	—	3.1×	7.6%	—	13.6%	5.0%	5.0%	—	17
MNSBMainStreet Bancshares,…	$152M	12.1×	—	1.1×	-1.6%	54.3%	11.5%	7.1%	7.1%	—	16
FMBMF&M BANK CORP	$148M	13.2×	—	—	—	—	—	10.8%	9.9%	—	—

Peers = companies sharing FMBM's sector (State Commercial Banks) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.

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FMBM

Reverse DCF — what growth does the price assume?

FMBM vs. State Commercial Banks peers

Where it ranks

Peer table

Reverse DCF — what growth does the price assume?

FMBM vs. State Commercial Banks peers

Where it ranks

Peer table

Ownership Map

Ownership Map