Analyzing F & M Bank (OTCMKTS:FMBM) and FVCBankcorp (NASDAQ:FVCB)

Earnings & Valuation

This table compares F & M Bank and FVCBankcorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
F & M Bank	$75.25 million	0.98	$7.28 million	$2.08	10.05
FVCBankcorp	$115.85 million	1.95	$15.06 million	$0.81	15.33

FVCBankcorp has higher revenue and earnings than F & M Bank. F & M Bank is trading at a lower price-to-earnings ratio than FVCBankcorp, indicating that it is currently the more affordable of the two stocks.

Insider & Institutional Ownership

3.8% of F & M Bank shares are held by institutional investors. Comparatively, 43.6% of FVCBankcorp shares are held by institutional investors. 10.7% of F & M Bank shares are held by company insiders. Comparatively, 14.0% of FVCBankcorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Risk and Volatility

F & M Bank has a beta of 0.37, meaning that its share price is 63% less volatile than the S&P 500. Comparatively, FVCBankcorp has a beta of 0.27, meaning that its share price is 73% less volatile than the S&P 500.

Profitability

This table compares F & M Bank and FVCBankcorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
F & M Bank	9.68%	8.77%	0.55%
FVCBankcorp	13.00%	7.72%	0.77%

Summary

FVCBankcorp beats F & M Bank on 8 of the 11 factors compared between the two stocks.

About F & M Bank

F & M Bank Corp. operates as the bank holding company for Farmers & Merchants Bank that provides financial products and services to consumers and businesses in Virginia. The company offers commercial and individual demand and time deposit accounts, savings accounts, money market accounts, internet and mobile banking services, and drive-in banking services. It also provides construction loans, including residential, and land acquisition and development loans; commercial real estate loans; business loans; consumer loans, such as personal loans, automobile loans, deposit account loans, installment and demand loans, and home equity loans; residential mortgage loans; credit cards; dealer finance; farmland loans; multi-family loans; and commercial and industrial loans. In addition, the company offers brokerage services and commercial and personal insurance products. Further, it originates conventional and government agency sponsored mortgages; and offers title insurance and real estate settlement services. The company was founded in 1908 and is headquartered in Timberville, Virginia.

About FVCBankcorp

FVCBankcorp, Inc. operates as the bank holding company for FVCbank that provides various banking products and services in Virginia. It offers deposit products, including interest and noninterest-bearing transaction accounts, savings accounts, money market accounts, and certificates of deposit. The company also provides commercial real estate loans; commercial construction loans; commercial loans for various business purposes, such as for working capital, equipment purchases, lines of credit, and government contract financing; small business administration loans; asset-based loans and accounts receivable financing; home equity loans; and consumer loans. In addition, it offers business and consumer credit cards; merchant services; business insurance products; and online banking, remote deposit, and mobile banking services. The company serves commercial businesses, nonprofit organizations, professional service entities, and their respective owners and employees located in the greater Washington, D.C., and Baltimore metropolitan areas. It operates branch offices in Arlington, Virginia; the independent city of Manassas, Virginia; Reston, Fairfax County, Virginia; Springfield, Fairfax County in Virginia; and Montgomery County and Baltimore in Maryland, and Washington, D.C. FVCBankcorp, Inc. was founded in 2007 and is headquartered in Fairfax, Virginia.