F & M Bank Corp. (FMBM) Fair Value 2026

FMBM · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.8 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-10-07, F & M Bank Corp. (FMBM) trades at $40.93, versus a $31.90 median fair value across its 6 active models — 22.1% below the current price. QOC: 7.8/10. Value Trap Risk: 12/100 (SAFE). 6/13 models active.

Key Facts

Ticker
FMBM
Price
$40.93
Quality Score
7.8/10
Value Trap Risk
12/100
Models Active
6/13
Last Updated
Strength: 6 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is F & M Bank Corp. (FMBM) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, F & M Bank Corp. (FMBM) appears overvalued as of : the median of 6 independent fair value estimates is $31.90, 22.1% below the current price of $40.93. Estimates range from $14.12 to $45.62. FMBM scores 7.8/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -20.1% versus its own 13-model consensus, across 3,777 rated companies as of 2026-10-07. FMBM’s -22.1% gap is wider than that market norm, and the Banks - Regional sector median is -21.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy F & M Bank Corp. Stock in 2026? →

What Fair Value Does Each Model Give FMBM?

6 Intrinsic Value Models vs. Current Price ($40.93)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $26.37 -35.6%
Ensemble · Medium Conviction
 $29.96 -26.8%
Intrinsic · High Conviction
 $14.12 -65.5%
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What Is FMBM's Fair Value Range?

Spread across 6 independent models · $14.12 to $45.62

CirclFi's 6 active models place F & M Bank Corp. (FMBM) between $14.12 and $45.62 per share, a spread of 99% of the median. The median of that range — $31.90 — is the fair value CirclFi publishes for FMBM, against a current price of $40.93.

Low · Markov DDMHigh · ML-RIV
$14.12median $31.90$45.62
Where the range comes from
Most bearish modelMarkov DDM$14.12
Most bullish modelML Residual Income$45.62
Model agreement1 bullish · 4 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on FMBM, not a CirclFi price target. How each model works →

What Is F & M Bank Corp. (FMBM) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, F & M Bank Corp.'s intrinsic value is estimated at a median fair value of $31.90. Trading at $40.93, the stock is approaching fair value or slight overvaluation (implied return of -22.1%), as 4 of 6 models suggest limited further upside. Model dispersion is worth noting: ML-RIV targets $45.62 (+11.5%), versus Markov DDM at $14.12 (-65.5%). This +77.0% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About FMBM?

6 of 13 models are currently active for FMBM. Of these, 2 models suggest upside while 4 models suggest overvaluation. Taken together, their median fair value for FMBM is $31.90 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does FMBM Rank in Banks - Regional?

Among 352 Banks - Regional stocks, FMBM ranks #227 by Quality of Company score. CirclFi's QOC score of 7.8/10 evaluates 32 fundamental signals. A score of 7.8 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

The Banks - Regional sector introduces analytical considerations specific to lending environment businesses. For F & M Bank Corp., metrics like net interest margin (NIM) provide important context that general-purpose valuation models may underweight.

Is FMBM a Value Trap?

CirclFi's Value Trap algorithm assigns FMBM a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for F & M Bank Corp.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, F & M Bank Corp. scores 7.8 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +77.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every FMBM valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across FMBM's 6 active models, average confidence is 44%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy F & M Bank Corp. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

CBFVCB Financial Services, Inc.QOC 7.8PEBKPeoples Bancorp of North Carolina, Inc.QOC 7.8USBU.S. BancorpQOC 7.8NKSHNational Bankshares, Inc.QOC 7.8ISTRInvestar Holding CorporationQOC 7.8BANCBanc of California, Inc.QOC 7.8BLXBladex Inc.QOC 6.8FIBKFirst Interstate BancSystem, Inc.QOC 8.5BPOPPopular, Inc.QOC 8.2STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: CBFV · PEBK · USB · NKSH · ISTR · BANC · BLX · FIBK · BPOP · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to FMBM?

6 companies across all industries closest to FMBM’s Quality of Company score of 7.8/10.

RYANRyan Specialty Holdings, Inc.QOC 7.8DUKDuke Energy CorporationQOC 7.8FTAIFTAI Aviation Ltd.QOC 7.8TMOThermo Fisher Scientific Inc.QOC 7.8NOGNorthern Oil and Gas, Inc.QOC 7.8NVDANVIDIA CorporationQOC 10.0

Read investment analysis: RYAN · DUK · FTAI · TMO · NOG · NVDA

Where Does FMBM Sit in CirclFi's Banks - Regional Rankings?

FMBM is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About F & M Bank Corp.’s Valuation?

What is F & M Bank Corp.'s intrinsic value in 2026?

CirclFi puts F & M Bank Corp. (FMBM)'s intrinsic value at $31.90 — the median of 6 independent model estimates as of 2026-10-07, ranging from $14.12 to $45.62. The Quality of Company score is 7.8/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is FMBM overvalued or undervalued right now?

At $40.93, 2 of 6 active models suggest FMBM may be undervalued, while 4 indicate potential overvaluation. The median of all 6 fair value estimates is $31.90, 22.1% below the current price of $40.93 — a consensus view that FMBM is overvalued. The assessment depends on which methodology best fits F & M Bank Corp.'s business model in Banks - Regional.

What does a Quality of Company score of 7.8 mean for FMBM?

F & M Bank Corp.'s QOC of 7.8/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on FMBM?

CirclFi analyzes FMBM with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on FMBM?

Of the 6 models currently active on FMBM, ML Residual Income is the most bullish at $45.62 per share, and Markov DDM is the most bearish at $14.12. CirclFi's published fair value for FMBM is the median of that range, $31.90, not either extreme. The gap between the two ends equals 99% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is FMBM a value trap in 2026?

F & M Bank Corp.'s Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, F & M Bank Corp. (FMBM) has a median fair value of $31.90 — 22.1% below the current price of $40.93 — as of 2026-10-07.” Source: circlfi.com/stock/FMBM/ · Methodology
Primary sources for this FMBM valuation
  • Financial statements: F & M Bank Corp. 10-K and 10-Q filings on SEC EDGAR (CIK 0000740806) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for FMBM as of ; valuations recomputed .

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