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Zacks Company Profile for F & M Bank Corp. (FMBM : OTC)

• Company Description    F&M Bank Corp. operates as a bank holding company, through its subsidiary, Farmers & Merchants Bank provides commercial banking services, including commercial and individual demand and time deposit accounts, repurchase agreements for commercial customers, commercial and individual loans, Internet banking, drive-in banking services, ATMs at all branch locations and several off-site locations as well as a courier service for its commercial banking customers. F&M Bank Corp. is headquartered in Timberville, VA. Number of Employees: 169

• Price / Volume Information    Yesterday's Closing Price: $24.68 Daily Weekly Monthly 20 Day Moving Average: 3,176 shares Shares Outstanding: 3.56 (millions) Market Capitalization: $87.79 (millions) Beta: 0.24 52 Week High: $24.68 52 Week Low: $17.76 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 5.97% 4.06% 12 Week 17.92% 7.06% Year To Date 22.00% 8.93%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL P.O. BOX 1111 - TIMBERVILLE,VA 22853 USA ph: 540-896-8941 fax: 540-896-2840 nhayslett@fmbankva.com http://www.fmbankva.com

• General Corporate Information    Officers Aubrey M. Wilkerson - Director and Chief Executive Officer Michael W. Pugh - Director; Chair Lisa F. Campbell - Executive Vice President and Chief Financial Offic E. Ray Burkholder - Director Hannah Hutman - Director Peer Information F & M Bank Corp. (CNBKA) F & M Bank Corp. (CNBI2) F & M Bank Corp. (CNOB) F & M Bank Corp. (FBNK.) F & M Bank Corp. (FMBN) F & M Bank Corp. (TBNK) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-NORTHEAST Sector: Finance CUSIP: 30237P106 SIC: 6022 Fiscal Year Fiscal Year End: December Last Reported Quarter: 06/01/25 Next Expected EPS Date: 11/14/25 Share - Related Items Shares Outstanding: 3.56 Most Recent Split Date: (:1) Beta: 0.24 Market Capitalization: $87.79 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 4.21% Current Fiscal Quarter EPS Consensus Estimate: $ Indicated Annual Dividend: $1.04 Current Fiscal Year EPS Consensus Estimate: $ Payout Ratio: 0.43 Number of Estimates in the Fiscal Year Consensus: Change In Payout Ratio: -0.09 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 08/14/2025 - $0.26 Next EPS Report Date: 11/14/25

• Fundamental Ratios P/E Current FY Estimate: - Trailing 12 Months: 10.24 PEG Ratio: - Price Ratios Price/Book: 0.93 Price/Cash Flow: 8.47 Price / Sales: 1.14 EPS Growth vs. Year Ago Period: -2.33% vs. Previous Quarter: 20.00% Sales Growth vs. Year Ago Period: 4.80% vs. Previous Quarter: 2.58% ROE 06/30/25 - 9.36 03/31/25 - 9.77 12/31/24 - 8.69 ROA 06/30/25 - 0.64 03/31/25 - 0.65 12/31/24 - 0.55 Current Ratio 06/30/25 - 0.75 03/31/25 - 0.76 12/31/24 - 0.75 Quick Ratio 06/30/25 - 0.75 03/31/25 - 0.76 12/31/24 - 0.75 Operating Margin 06/30/25 - 10.96 03/31/25 - 11.15 12/31/24 - 9.68 Net Margin 06/30/25 - 10.96 03/31/25 - 11.15 12/31/24 - 9.68 Pre-Tax Margin 06/30/25 - 12.30 03/31/25 - 12.53 12/31/24 - 10.53 Book Value 06/30/25 - 26.60 03/31/25 - 25.86 12/31/24 - 24.44 Inventory Turnover 06/30/25 - 14.77 03/31/25 - 12.42 12/31/24 - 11.34 Debt-to-Equity 06/30/25 - 0.07 03/31/25 - 0.08 12/31/24 - 0.08 Debt-to-Capital 06/30/25 - 6.88 03/31/25 - 7.11 12/31/24 - 7.49

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