OTC · Banks - Regional

The Farmers Bank of Appomattox (FBPA) Stock

$30.18 +0.00% OTC: FBPA Financial Services

Headquartered in Appomattox, Virginia, The Farmers Bank of Appomattox has been serving its community since its establishment in 1918. The bank delivers a comprehensive suite of banking products and services tailored for both individual and commercial clients.

Valuation

MetricValue
Price$30.18
Market Cap$32.72M
P/E Ratio9.96
P/B Ratio0.86
P/S Ratio1.66
EPS (TTM)$3.03
52-Week High$32.50
52-Week Low$24.27
Dividend Yield4.31%

Financials & Margins

MetricValue
ROE8.79%
ROA0.89%
ROCE1.06%
Gross Margin66.69%
Operating Margin19.54%
Net Margin16.69%
Debt/Equity0.14
Current Ratio1.48

Annual Financials (USD)

Metric20212022202320242025
Revenue$12.0M$12.0M$15.0M$18.0M$19.0M
Operating Profit$4.0M$4.0M$3.0M$3.0M$4.0M
Net Profit$3.0M$3.0M$3.0M$3.0M$3.0M
EPS$3.06$2.96$2.67$2.50$3.02
Op Margin32.5%29.4%22.2%17.5%19.9%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$319.0M$316.0M$346.0M$352.0M$366.0M
Total Liabilities$281.0M$288.0M$313.0M$318.0M$327.0M
Cash$5.0M$4.0M$10.0M$5.0M$5.0M
Borrowings$2.0M$8.0M$2.0M$7.0M$7.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$4.0M$4.0M$4.0M$4.0M$5.0M
Investing Cash Flow$-50.0M$-12.0M$-27.0M$-14.0M$-12.0M
Financing Cash Flow$44.0M$2.0M$30.0M$0$8.0M
Net Cash Flow$-4.0M$-1.0M$1.0M$-2.0M$0
Free Cash Flow$4.0M$4.0M$3.0M$1.0M$4.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.48
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y28.65%
Return 3Y54.31%
Return 5Y-6.55%

Ownership

Insiders Held0.00%
Institutions Held0.13%
Institutions Float Held0.13%
Institutional HolderSharesReport Date
Salomon & Ludwin, LLC1,4002026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AMFCAMB Financial Corp. $34.55 +0.14% 8.47 $30.75M 0.81%
CNBZCNB Corporation $28.49 +0.00% 8.74 $34.49M 3.51%
ELMAElmer Bancorp, Inc. $27.00 +2.86% 10.98 $31.09M 1.48%
FSBHFSBH Corp. $16.60 +0.00% 21.56 $49.95M 0.00%
GTPSGreat American Bancorp, Inc. $72.00 +0.00% 7.68 $25.66M 1.94%

About The Farmers Bank of Appomattox

Headquartered in Appomattox, Virginia, The Farmers Bank of Appomattox has been serving its community since its establishment in 1918. The bank delivers a comprehensive suite of banking products and services tailored for both individual and commercial clients. Its array of deposit solutions encompasses checking and savings accounts, individual retirement accounts (IRAs), and certificates of deposit (CDs). For lending needs, the institution offers a broad spectrum of credit options, including auto, personal, and mortgage loans, as well as specialized financing for agriculture, equipment, and commercial real estate. Additionally, it extends commercial lines of credit. Beyond core banking, customers benefit from a variety of ancillary services such as debit, credit, and gift cards, safe deposit boxes, and ATM access. The bank also facilitates modern financial management through internet and mobile banking, wire transfers, cash management services, and merchant/night deposit facilities. Further offerings include overdraft protection, cashier's checks, and the redemption of savings bonds. The bank primarily caters to customers residing in Virginia's Appomattox, Buckingham, Campbell, and Prince Edward Counties.

The Farmers Bank of Appomattox is headquartered in US.

The Farmers Bank of Appomattox (FBPA) stock trades at $30.18 with a market capitalization of $32.72M. The stock is valued at a price-to-earnings (P/E) ratio of 9.96, price-to-book of 0.86, price-to-sales of 1.66. Over the past 52 weeks the stock has ranged between $24.27 and $32.50, and currently trades 7.1% below its 52-week high. It pays a dividend yielding 4.31%.

On profitability, The Farmers Bank of Appomattox generates a return on equity (ROE) of 8.79%, return on capital employed of 1.06%, an operating margin of 19.54%, a net profit margin of 16.69%.

Official website: www.thefarmersbankva.com

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