F & M Bank Corp.
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
10.488.878.9312.0111.8720.048.378.689.4824.2112.9911.87
Price/Sales ratio
2.282.452.652.842.702.231.702.1941.561.641.222.23
Price/Book Value ratio
0.760.900.981.181.171.000.760.921.110.850.791.00
Price/Cash Flow ratio
7.277.655.5217.589.076.0139.844.381.9727.99-10.816.01
Price/Free Cash Flow ratio
7.789.377.14-328.9512.147.1166.574.502.17-21.95-10.357.11
Price/Earnings Growth ratio
-3.280.270.57-2.37-3.12-0.410.080.39-0.36-0.36-6.45-0.41
Dividend Yield
3.66%3.90%3.64%3.12%3.98%3.81%4.63%3.85%4.55%5.38%5.13%3.98%
Profitability Indicator Ratios
Gross Profit Margin
86.75%87.17%99.79%89.50%92.04%100%100%100%-136.03%89.45%89.72%100%
Operating Profit Margin
46.33%46.68%51.18%45.33%37.70%10.61%22.95%28.32%845.25%2.15%32.60%32.60%
Pretax Profit Margin
32.82%39.79%39.99%35.10%25.59%10.92%23.20%28.32%463.54%4.96%9.64%10.92%
Net Profit Margin
21.76%27.71%29.75%23.65%22.78%11.16%20.31%25.21%438.25%6.79%9.40%11.16%
Effective Tax Rate
33.16%29.00%24.09%32.38%10.87%-5.08%11.37%10.96%5.45%-36.83%2.49%-5.08%
Return on Assets
0.95%1.26%1.28%1.19%1.16%0.56%0.90%0.88%0.66%0.21%0.40%0.56%
Return On Equity
7.32%10.14%10.97%9.87%9.88%5.03%9.18%10.68%11.74%3.53%6.69%5.03%
Return on Capital Employed
2.09%2.21%2.33%2.37%2.03%0.54%1.36%1.28%1.36%0.09%1.42%1.42%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A26.63N/A
Quick Ratio
2.650.930.190.410.239.490.841.811.730.0726.630.23
Cash ratio
0.490.340.210.470.270.920.050.040.260.061.260.27
Days of Sales Outstanding
22.9320.5320.2519.2319.0118.0523.0126.71768.2645.0431.7019.01
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/A-3.49KN/AN/AN/A
Operating Cycle
22.9320.5320.2519.2319.01N/AN/AN/A-2.73K45.0431.7019.01
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
22.9320.5320.2519.2319.01N/AN/AN/A-2.73K45.0431.7019.01
Debt Ratios
Debt Ratio
0.030.100.130.090.080.070.030.010.060.050.010.07
Debt Equity Ratio
0.250.881.190.760.760.680.340.211.080.850.240.68
Long-term Debt to Capitalization
0.110.360.420.350.300.360.250.170.080.080.070.36
Total Debt to Capitalization
0.200.460.540.430.430.400.250.170.520.460.190.40
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A1.09N/A
Cash Flow to Debt Ratio
0.420.130.140.080.160.240.050.970.510.03-0.290.24
Company Equity Multiplier
7.638.028.558.258.498.8810.1112.1317.5916.5214.948.49
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.310.320.480.160.290.370.040.4921.010.05-0.110.37
Free Cash Flow / Operating Cash Flow Ratio
0.930.810.77-0.050.740.840.590.970.90-1.271.040.74
Cash Flow Coverage Ratio
0.420.130.140.080.160.240.050.970.510.03-0.290.24
Short Term Coverage Ratio
0.830.390.380.300.391.53N/AN/A0.560.03-0.431.53
Dividend Payout Ratio
38.47%34.63%32.55%37.59%47.36%76.55%38.84%33.46%43.15%130.35%66.38%47.36%