Financials in USD. Standardized financial statements.
A compact view of how F & M Bank Corp. turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $78.92M | $74.91M | $66.09M | $52.94M | $46.63M | $48.85M | $48.07M | $45.15M | $42.61M | $38.46M |
| Revenue Growth? | +5.4% | +13.3% | +24.8% | +13.5% | -4.5% | +1.6% | +6.5% | +5.9% | +10.8% | 0.0% |
| Cost of Revenue? | $28.93M | $32.89M | $25.73M | $8.11M | $1.48M | $9.03M | $14.22M | $7.76M | $3.90M | $3.60M |
| Gross Profit? | $50.00M | $42.01M | $40.36M | $44.83M | $45.15M | $39.82M | $33.85M | $37.38M | $38.72M | $34.86M |
| Gross Margin? | +63.3% | +56.1% | +61.1% | +84.7% | +96.8% | +81.5% | +70.4% | +82.8% | +90.9% | +90.6% |
| Operating Expenses? | $37.02M | $34.09M | $38.33M | $36.03M | $33.09M | $29.79M | $29.46M | $27.51M | $25.34M | $22.00M |
| Operating Income? | $12.98M | $7.92M | $2.02M | $8.80M | $12.06M | $10.04M | $4.39M | $9.87M | $13.37M | $12.86M |
| EBITDA? | $14.26M | $9.33M | $3.37M | $9.94M | $13.30M | $11.34M | $5.76M | $11.08M | $14.35M | $13.69M |
| Income Before Tax | $12.98M | $7.92M | $2.02M | $8.80M | $12.06M | $10.04M | $4.39M | $9.87M | $13.37M | $12.86M |
| Income Tax Expense | $1.75M | $638,000 | -$746,000 | $480,000 | $1.32M | $1.14M | -$250,000 | $1.04M | $4.33M | $3.10M |
| Net Income? | $11.23M | $7.29M | $2.77M | $8.32M | $10.74M | $8.79M | $4.51M | $8.82M | $9.01M | $9.57M |
| EPS? | $3.16 | $2.07 | $0.79 | $2.41 | $3.25 | $2.66 | $1.32 | $2.53 | $2.63 | $2.77 |
| Diluted EPS? | $3.16 | $2.07 | $0.80 | $2.41 | $3.12 | $2.56 | $1.30 | $2.53 | $2.63 | $2.77 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality