Financial Review: F&M Bank (OTCMKTS:FMBM) vs. BEO Bancorp (OTCMKTS:BEOB)
F&M Bank (OTCMKTS:FMBM – Get Rating) and BEO Bancorp (OTCMKTS:BEOB – Get Rating) are both small cap finance companies, but which is the better company? We’ll compare the two companies based on earnings strength, analyst recommendations, profitability, risk, valuation, institutional ownership and dividends.
Benefits and evaluation
This table compares the revenue, earnings per share and valuation of F&M Bank and BEO Bancorp.
| Gross revenue | Price/sales ratio | Net revenue | Earnings per share | Price/earnings ratio | |
| M&M Bank | $47.40 million | 2.21 | $10.74 million | $3.18 | 9.43 |
| BEO Bancorp | $33.57 million | 1.50 | $6.92 million | N / A | N / A |
F&M Bank has higher revenue and profit than BEO Bancorp.
Insider and Institutional Ownership
2.7% of F&M Bank shares are held by institutional investors. 10.2% of F&M Bank shares are held by company insiders. Strong institutional ownership indicates that endowments, large fund managers, and hedge funds believe a stock will outperform the market over the long term.
Volatility and risk
F&M Bank has a beta of 0.49, suggesting its stock price is 51% less volatile than the S&P 500. Comparatively, BEO Bancorp has a beta of 0.34, suggesting its stock price its stock is 66% less volatile than the S&P 500.
Dividends
F&M Bank pays an annual dividend of $1.04 per share and has a dividend yield of 3.5%. BEO Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 2.5%. F&M Bank distributes 32.7% of its profits as a dividend.
Analyst Recommendations
This is a summary of current recommendations and price targets for F&M Bank and BEO Bancorp, as provided by MarketBeat.
| Sales Ratings | Hold odds | Buy reviews | Strong buy odds | Rating | |
| M&M Bank | 0 | 0 | 0 | 0 | N / A |
| BEO Bancorp | 0 | 0 | 0 | 0 | N / A |
Profitability
This table compares the net margins, return on equity and return on assets of F&M Bank and BEO Bancorp.
| Net margins | Return on equity | return on assets | |
| M&M Bank | 22.65% | 11.12% | 0.95% |
| BEO Bancorp | N / A | N / A | N / A |
Summary
F&M Bank beats BEO Bancorp on 10 out of 11 factors compared between the two stocks.
About F&M Bank (Get an assessment)
F&M Bank Corp. operates as a bank holding company for Farmers & Merchants Bank which provides commercial banking services in Virginia. The Company offers commercial and individual cash and term deposit accounts, savings accounts, checking accounts, money market accounts, internet and mobile banking, and drive-thru banking. 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 and lines of credit, auto loans, deposit account loans, installment and demand loans, and home equity loans; residential mortgages; credit card; dealer financing; agricultural land loans; multi-family loans; and commercial and industrial loans. Additionally, the company offers brokerage services; and life, business and personal insurance products, as well as safe deposit boxes. Additionally, it issues conventional and government-sponsored mortgages; and title insurance and real estate settlement services. As of December 31, 2021, the company operated thirteen banking offices in Rockingham, Shenandoah, Page, and Augusta counties; and a loan origination office located in Penn Laird. F&M Bank Corp. was founded in 1908 and is headquartered in Timberville, Virginia.
About BEO Bancorp (Get an assessment)
BEO Bancorp operates as a bank holding company for Bank of Eastern Oregon which provides commercial and consumer finance, bank and mortgage loans and other services in northeastern Oregon and southeastern Washington. The company offers checking, savings, money market, term deposits and certificates of deposit. It also offers commercial, agricultural, real estate, installment, credit card, mortgage, term, agricultural and refinance loans; Lines of credit; Internet banking and bill payment services; and ATMs and safe deposit boxes, as well as the issuance and sale of mortgages in the secondary market. BEO Bancorp was founded in 1945 and is based in Heppner, Oregon.
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