FMBM
F & M Bank Corp.
OTC Markets OTCQXUSDEQUITY
Financial Services
DELAYED
Last price
39.75
▲ 0.35 (0.89%)
MARKET · —
Price
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
39.95
Prev close
39.40
Day high
39.95
Day low
39.74
Volume
317
Market cap
$142.57M
P/E (TTM)
9.84
52W range
23.49 – 40.95
Trailing performance
Returnvs SPY
1W
-0.55%
+0.8%
1M
+0.25%
-3.5%
3M
+20.42%
+17.3%
6M
+25.39%
+14.3%
YTD
+38.26%
+26.0%
1Y
+69.87%
+49.9%
3Y
+86.18%
+12.0%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on FMBM open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+19.74K
Net buying
Buy transactions
25
20.74K shares
Sell transactions
1
1.00K shares
Net transactions
+26
Buys less sells
Sell : buy shares
0.0 : 1
Mixed
Insider-held shares
213.16K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jun 18, 26 | WRAY PETER H Director |
BUY | 171 | $6.17K | Direct |
| Jun 18, 26 | KEELER ANNE B Director |
BUY | 171 | $6.17K | Direct |
| Jun 18, 26 | HUTMAN HANNAH W. Director |
BUY | 171 | $6.17K | Direct |
| Jun 18, 26 | HOUFF NEIL A. Director |
BUY | 171 | $6.17K | Direct |
| Jun 18, 26 | HARRISON BRET V. Director |
BUY | 228 | $8.23K | Direct |
| Jun 18, 26 | WILLINGHAM JOHN A Director |
BUY | 77 | $2.78K | Direct |
| Jun 18, 26 | RUNION CHRISTOPHER S Director |
BUY | 171 | $6.17K | Direct |
| Jun 18, 26 | BURKHOLDER EDWARD RAY Director |
BUY | 247 | $8.92K | Direct |
| May 13, 26 | EBERLY PAUL E Officer |
SELL | 1.00K | $33.38K | Direct |
| May 12, 26 | WITHERS DEAN W Director |
BUY | 2.13K | $73.38K | Direct |
| Mar 19, 26 | WRAY PETER H Director |
BUY | 202 | $6.18K | Direct |
| Mar 19, 26 | KEELER ANNE B Director |
BUY | 202 | $6.18K | Direct |
| Mar 19, 26 | WILKERSON AUBREY M Chief Executive Officer |
BUY | 4.19K | $128.26K | Direct |
| Mar 19, 26 | EBERLY PAUL E Officer |
BUY | 1.65K | $50.50K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BLACK BARTON E. |
President | 160.05K | Purchase |
BURKHOLDER EDWARD RAY |
Director | 149.98K | Purchase |
CAMPBELL LISA F |
Chief Financial Officer | 9.39K | Purchase |
DRIEST CHARLES C. |
Officer | 10.19K | Purchase |
EBERLY PAUL E |
Officer | 8.64K | Sale |
PUGH MICHAEL W |
Director | 13.78K | Purchase |
RUNION CHRISTOPHER S |
Director | 11.49K | Purchase |
WILKERSON AUBREY M |
Chief Executive Officer | 32.73K | Purchase |
WILLINGHAM JOHN A |
Director | 21.02K | Purchase |
WITHERS DEAN W |
Director | 50.00K | Purchase |
Fundamentals
Market cap$142.57M
Enterprise value$99.14M
Revenue (TTM)$56.41M
Gross profit$56.41M
EBITDA—
Net income$14.40M
EPS (TTM)$4.04
Free cash flow—
Total cash$90.12M
Total debt$42.09M
Book value / share$31.57
Shares outstanding3.59M
Float2.76M
Short % of float—
Dividend yield2.62%
Beta (5Y)0.28
Valuation & profitability ratios
Trailing P/E9.84
Forward P/E—
PEG ratio—
Price / sales—
Price / book1.26
EV / revenue1.76
EV / EBITDA—
Gross margin0.00%
Operating margin14.56%
Profit margin25.53%
Return on equity13.92%
Return on assets1.06%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $52.13M | $44.35M | $41.38M | $45.70M | +17.5% |
| Operating revenue | $52.13M | $44.35M | $41.38M | $45.70M | +17.5% |
| Selling, general & admin | $20.84M | $19.40M | $28.20M | $23.82M | +7.4% |
| Pre-tax income | $12.98M | $7.92M | $2.02M | $8.80M | +63.8% |
| Tax provision | $1.75M | $638.00K | -$746.00K | $480.00K | +174.0% |
| Net income | $11.23M | $7.29M | $2.77M | $8.32M | +54.1% |
| Net income to common | $11.23M | $7.29M | $2.77M | $8.32M | +54.1% |
| Basic EPS | 3.16 | 2.07 | 0.79 | 2.41 | +52.7% |
| Diluted EPS | 3.16 | 2.07 | 0.79 | 2.41 | +52.7% |
| Basic shares | 3.55M | 3.52M | 3.51M | 3.45M | +1.0% |
| Diluted shares | 3.55M | 3.52M | 3.51M | 3.45M | +1.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $20.32M | $19.44M | $19.97M | $18.61M | +4.6% |
| Accounts receivable | $5.12M | $4.94M | $5.03M | $4.00M | +3.6% |
| Property, plant & equipment | $21.63M | $22.19M | $23.66M | $19.59M | -2.5% |
| Goodwill & intangibles | $3.08M | $3.08M | $3.08M | $3.08M | 0.0% |
| Total assets | $1.37B | $1.30B | $1.29B | $1.25B | +5.5% |
| Long-term debt | $9.92M | $6.97M | $6.93M | $6.89M | +42.2% |
| Total debt | $9.92M | $6.97M | $66.93M | $76.89M | +42.2% |
| Total liabilities | $1.27B | $1.22B | $1.22B | $1.18B | +4.4% |
| Retained earnings | $92.20M | $84.67M | $81.03M | $83.08M | +8.9% |
| Shareholder equity | $104.79M | $86.14M | $78.32M | $70.79M | +21.7% |
| Net tangible assets | $101.71M | $83.06M | $75.24M | $67.71M | +22.5% |
| Shares issued | 3.56M | 3.53M | 3.49M | 3.46M | +0.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Net income | $11.23M | $7.29M | $2.77M | $8.32M | — | +54.1% |
| Depreciation & amortisation | $1.32M | $1.40M | $1.35M | $1.14M | — | -6.1% |
| Stock-based compensation | $420.00K | $226.00K | $259.00K | $193.00K | — | +85.8% |
| Change in working capital | $1.70M | -$3.47M | -$3.87M | $3.38M | — | +149.1% |
| Operating cash flow | $16.50M | $7.13M | $2.17M | $17.57M | — | +131.4% |
| Capital expenditure | -$724.00K | -$282.00K | -$5.45M | -$3.64M | — | -156.7% |
| Investing cash flow | -$53.86M | $27.58M | -$49.97M | -$125.57M | — | -295.3% |
| Share buybacks | -$402.00K | $0 | — | $0 | -$627.00K | — |
| Dividends paid | -$3.69M | -$3.65M | -$3.61M | -$3.59M | — | -1.2% |
| Financing cash flow | $49.25M | -$1.47M | $36.57M | $54.83M | — | +3,457.1% |
| Free cash flow | $15.78M | $6.85M | -$3.29M | $13.93M | — | +130.3% |
| End cash position | $68.85M | $56.96M | $23.72M | $34.95M | — | +20.9% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $14.13M | $13.65M | $13.04M | $13.29M | $12.16M | — | +3.5% |
| Operating revenue | $14.13M | $13.65M | $13.04M | $13.29M | $12.16M | — | +3.5% |
| Selling, general & admin | $6.03M | $5.21M | $5.24M | $4.87M | $5.51M | — | +15.7% |
| Pre-tax income | $3.70M | $3.32M | $3.37M | $3.42M | $2.87M | — | +11.5% |
| Tax provision | $478.00K | $433.00K | $445.00K | $455.00K | $414.00K | — | +10.4% |
| Net income | $3.23M | $2.89M | $2.92M | $2.96M | $2.46M | — | +11.7% |
| Net income to common | $3.23M | $2.89M | $2.92M | $2.96M | $2.46M | — | +11.7% |
| Basic EPS | 0.91 | — | — | 0.84 | 0.70 | 0.64 | — |
| Diluted EPS | 0.91 | — | — | 0.84 | 0.70 | 0.64 | — |
| Basic shares | 3.56M | — | — | 3.56M | 3.53M | 3.53M | — |
| Diluted shares | 3.56M | — | — | 3.56M | 3.53M | 3.53M | — |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $19.38M | $20.32M | $19.84M | $20.98M | $22.17M | — | -4.6% |
| Accounts receivable | $5.21M | $5.12M | $4.93M | $5.16M | $4.96M | — | +1.8% |
| Property, plant & equipment | $22.04M | $21.63M | $21.57M | $21.78M | $22.00M | — | +1.9% |
| Goodwill & intangibles | $3.08M | $3.08M | $3.08M | $3.08M | $3.08M | — | 0.0% |
| Total assets | $1.41B | $1.37B | $1.36B | $1.31B | $1.31B | — | +2.6% |
| Current debt | — | — | — | — | — | $0 | — |
| Long-term debt | $9.92M | $9.92M | $7.00M | $7.00M | $6.99M | — | +0.0% |
| Total debt | $9.92M | $9.92M | $7.00M | $7.00M | $6.99M | — | +0.0% |
| Total liabilities | $1.30B | $1.27B | $1.26B | $1.22B | $1.22B | — | +2.6% |
| Retained earnings | $94.51M | $92.20M | $90.24M | $88.25M | $86.21M | — | +2.5% |
| Shareholder equity | $106.57M | $104.79M | $101.49M | $94.74M | $91.31M | — | +1.7% |
| Net tangible assets | $103.49M | $101.71M | $98.41M | $91.66M | $88.23M | — | +1.8% |
| Shares issued | 3.58M | 3.56M | 3.56M | 3.57M | 3.56M | — | +0.8% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Net income | $3.23M | $2.89M | $2.92M | $2.96M | $2.46M | +11.7% |
| Depreciation & amortisation | $324.00K | $291.00K | $328.00K | $366.00K | $333.00K | +11.3% |
| Stock-based compensation | $99.00K | $112.00K | $114.00K | $122.00K | $72.00K | -11.6% |
| Change in working capital | $2.21M | -$170.00K | $1.95M | -$1.04M | $963.00K | +1,400.0% |
| Operating cash flow | $5.70M | $1.92M | $7.04M | $2.03M | $5.52M | +196.6% |
| Capital expenditure | -$732.00K | -$344.00K | -$113.00K | -$136.00K | -$131.00K | -112.8% |
| Investing cash flow | -$17.55M | -$29.28M | -$8.17M | -$39.82M | $23.42M | +40.0% |
| Share buybacks | -$136.00K | -$133.00K | — | — | -$59.00K | -2.3% |
| Dividends paid | -$925.00K | -$924.00K | -$925.00K | -$927.00K | -$917.00K | -0.1% |
| Financing cash flow | $28.89M | $11.82M | $37.80M | -$4.40M | $4.02M | +144.4% |
| Free cash flow | $4.97M | $1.58M | $6.92M | $1.89M | $5.39M | +214.8% |
| End cash position | $85.89M | $68.85M | $83.94M | $47.27M | $89.46M | +24.7% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders5.94%
Held by institutions15.94%
Institutions holding4
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
39.93
-0.45% from price
SMA 20
40.01
-0.66% from price
SMA 50
38.59
+3.01% from price
SMA 100
35.59
+11.70% from price
SMA 200
32.52
+22.24% from price
EMA 12
39.90
-0.37% from price
EMA 26
39.58
+0.43% from price
EMA 50
38.47
+3.33% from price
RSI (14)
54.9
Neutral
MACD (12,26,9)
0.32
Hist -0.20
ATR (14)
0.34
0.85% of price
Realised vol 30D
13.9%
Annualised
Bollinger upper
40.74
20, 2σ
Bollinger lower
39.29
20, 2σ
50 / 200 cross
Golden
38.59 vs 32.52
Trend bias
Above 200
+22.24%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.22
Less volatile than market
Correlation to SPY
0.19
Largely independent
Realised vol 30D
13.9%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-4.9%
Peak to trough
Max drawdown 5Y
-51.9%
Peak to trough
ATR 14
0.34
0.85% of price
Beta (reported)
0.28
5Y monthly, from filing
Dividends & splits
Forward rate$1.04 / yr
Forward yield2.62%
5-year avg yield4.56%
Payout ratio25.74%
Ex-dividend dateAug 14, 2026
Next pay dateMay 29, 2026
Last split—
Split date—
SEC filings
Periodic Financial Reports
10-Q · 2026-08-13
Corporate Changes & Voting Matters
8-K · 2026-07-30
Corporate Changes & Voting Matters
8-K · 2026-07-14
Corporate Changes & Voting Matters
8-K · 2026-05-27
Corporate Changes & Voting Matters
8-K · 2026-05-19
Corporate Changes & Voting Matters
8-K · 2026-05-15
Periodic Financial Reports
10-Q · 2026-05-13
Corporate Changes & Voting Matters
8-K · 2026-05-05
Headlines
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.