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Profile - F&M Bancorp (NasdaqNM:FMBN)
As of 31-Aug-2001
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Recent Events
Aug  1Dividend payment of $0.27
Location
110 Thomas Jefferson Drive
Frederick, MD 21702
Phone: (301) 694-4000
Fax: (301) 698-4626
Email: emailus@fmbn.com
Employees (last reported count): 770
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 7%
·Over the last 6 months:
 · one insider sell; 5,000  shares
  (0.6% of insider shares)
·Institutional: 10% (11% of float)
(69 institutions)
·Net Inst. Buying: 76.0K shares (+6.48%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
F&M Bancorp, a bank holding company, derives substantially all of its income from operation of its principal and wholly owned subsidiaries, Farmers & Mechanics National Bank and Home Federal Savings Bank. The Company, through its wholly owned subsidiaries, provides banking and bank-related financial services to middle market and small business organizations, local governmental units and retail customers in central Maryland and surrounding areas. Bancorp, through its subsidiaries, also provides broad-based commercial and retail banking services; brokerage; personal trust, investment management and financial planning services; and a wide variety of related financial products and services to individuals, businesses and governmental units. In addition, the Company provides a full line of consumer and commercial business insurance products through offices in Beltsville, Ellicott City, Hagerstown and Cumberland, Maryland, and Keyser, West Virginia.
More from Market Guide: Expanded Business Description

Financial Summary
F&M Bancorp is a bank holding company for Farmers and Mechanics National Bank and Home Federal Savings Bank, with 54 offices in MD, PA and WV. For the six months ended 6/30/01, total interest income rose 2% to $62.6 million. Net interest income after loan loss provision fell 2% to $30.8 million. Net income rose 6% to $10.2 million. Results reflect increased interest paid on deposits and a higher provision for loan losses, offset by increased insurance income.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Compensation
PayExer

R. Carl Benna, 53
Chairman
--  --  
Faye Cannon, 51
Pres, CEO, Director
$366K$6.9K
John Joback
Sr. VP and CIO of Farmers & Mechanics Bank
--  --  
David Stauffer, 53
VP
265K11.2K
Kaye Simmons, 45
Treasurer of the Company; Exec. VP and CFO of the Bank
147K--  
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc.; "Exer" is the value of options excercised during the fiscal year.
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:FMBNAs of 31-Aug-2001
Price and Volume
52-Week Low
on 15-Sep-2000
$17.50 
Recent Price$26.50 
52-Week High
on 29-June-2001
$29.99 
Beta0.21 
Daily Volume (3-month avg)8,773 
Daily Volume (10-day avg)6,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+25.1%
52-Week Change
relative to S&P500
+67.8%
Share-Related Items
Market Capitalization$291.6M
Shares Outstanding11.0M
Float10.2M
Dividends & Splits
Annual Dividend (indicated)$1.08 
Dividend Yield4.08%
Last Split: 21 for 20 on 13-July-1999
Per-Share Data
Book Value (mrq)$15.04 
Earnings (ttm)$1.81 
Earnings (mrq)$0.47 
Sales (ttm)$11.54 
Cash (mrq)$5.34 
Valuation Ratios
Price/Book (mrq)1.76 
Price/Earnings (ttm)14.63 
Price/Sales (ttm)2.30 
Income Statements
Sales (ttm)$127.5M
EBITDAN/A 
Income available to common (ttm)$20.0M
Profitability
Profit Margin (ttm)15.7%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)1.12%
Return on Equity (ttm)12.65%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$59.0M
Short Interest
As of 8-Aug-2001
Shares Short2,000 
Percent of Float0.0%
Shares Short
(Prior Month)
13.0K
Short Ratio0.25 
Daily Volume8,000 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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