F & M Bank Corp.
FMBMFinancial Services · Stock · quarterly payer
Forward Yield
2.59%
Annual Dividend
$1.04
Payout Ratio
26%
5-Yr Growth
0.0%
Ex-Date
Aug 14, 2026
Frequency
Quarterly
Summary
As of August 2026, F & M Bank Corp. (FMBM) yields 2.59% ($1.04 per share annually), with a blended fair-value estimate of $51.93 — +29% upside, so it screens as undervalued. Dividend safety grade: A (87/100).
Is FMBM a good dividend stock?
YesF & M Bank Corp. (FMBM) pays a quarterly dividend yielding 2.59% ($1.04/yr), with 0 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Comfortable payout ratio (26%)
- 42% total price return over 5 years
- Top-tier dividend safety score
Risks
- Cut its dividend in 2010
Key Data
- Dividend Yield
- 2.59%
- Payout Ratio
- 26%
- Annual Dividend
- $1.04
- 5-Yr Avg Growth
- 0.0%
- Ex-Dividend Date
- Aug 14, 2026
- Years of Growth
- 0
- Frequency
- quarterly
- Beta
- 0.28
- Market Cap
- $142.4M
- P/E Ratio
- 9.9
- 5-Yr Total Return
- 42%
- 52-Week Range
- $23.10 – $40.95
- Dividend Safety
- A · 87/100
- Ever Cut?
- Yes (2010)
Frequently Asked Questions
FMBM Price — Last 12 Months
Daily close
Price Return
1 Year
+68%
3 Years
+92%
5 Years
+42%
52-Week Range
$23.10 – $40.95
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is FMBM worth?
Undervaluedlow confidenceOur blended fair-value estimate for F & M Bank Corp. is $51.93 per share, versus a market price of $40.40. That implies 29% of upside — a margin of safety of about 22%.
Fair Value
$51.93
Current Price
$40.40
Upside
+29%
Margin of Safety
22%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model 0.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.0% discount rate (CAPM), 0.0% stage-1 growth, 2.5% terminal growth, $4.04 EPS, $1.04 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
FMBM Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| May 15, 2026 | — | $0.2600 | regular |
| Feb 13, 2026 | — | $0.2600 | regular |
| Nov 14, 2025 | — | $0.2600 | regular |
| Aug 14, 2025 | — | $0.2600 | regular |
| May 15, 2025 | — | $0.2600 | regular |
| Feb 14, 2025 | — | $0.2600 | regular |
| Nov 14, 2024 | — | $0.2600 | regular |
| Aug 14, 2024 | — | $0.2600 | regular |
| May 14, 2024 | — | $0.2600 | regular |
| Feb 13, 2024 | — | $0.2600 | regular |
| Nov 13, 2023 | — | $0.2600 | regular |
| Aug 11, 2023 | — | $0.2600 | regular |
| May 12, 2023 | — | $0.2600 | regular |
| Feb 13, 2023 | — | $0.2600 | regular |
Income Calculator
At $1.04 / yr per share
