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F & M Bank Corp (FMBM) Fair Value & Analysis

Financial Services · US · Market cap $129M

Price$36.86
Fair Value$41.01
Upside+11.3%
Quality95/100
Evidence: High Range $30.76 – $51.27

Fair value as of: Jun 26, 2026

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Analysis

F & M Bank Corp (FMBM) currently trades at $36.86, while our model-based Fair Value estimate is $41.01 — implying the stock looks roughly 11.3% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

F & M Bank Corp. operates as the bank holding company for Farmers & Merchants Bank that provides financial products and services to consumers and businesses in Virginia. The company offers commercial and individual demand and time deposit accounts, savings accounts, money market accounts, internet and mobile banking services, and drive-in banking services. It also provides construction loans, including residential and land acquisition and development loans; commercial real estate loans; business loans; consumer loans, such as personal loans, automobile loans, deposit account loans, installment and demand loans, and home equity loans; residential mortgage loans; credit cards; dealer finance; farmland loans; multi-family loans; and commercial and industrial loans. In addition, the company offers drive-in banking services, ATMs, as well as a courier service for its commercial banking customers. Further, it originates conventional and government agency sponsored mortgages and provides t…

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Frequently asked questions

Is F & M Bank Corp (FMBM) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $41.01 versus a price of $36.86 — about +11% (undervalued). Model-based estimate, not financial advice.
What is the fair value of FMBM?
Our 21-model fair value for F & M Bank Corp is $41.01 (as of Jun 26, 2026), built from audited fundamentals. The current price is $36.86.
What is the quality score of FMBM?
F & M Bank Corp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.