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Regional Mid Atlantic Banks

Regional MidAtlantic Banks, Inc. (stock symbol: FMBM) is a bank holding company that operates through its subsidiary, Farmers & Merchants Bank, which provides a range of commercial and retail banking services to individuals, businesses, and municipalities in Virginia and Maryland. The company's primary business is attracting deposits from the general public and using those funds to originate a range of loans, including residential and commercial real estate loans, commercial and industrial loans, and consumer loans.

Here are some key points about FMBM:

Stock Information:

* Stock Exchange: OTC Markets Group Inc. (OTCQX)

* Ticker Symbol: FMBM

* Latest Price: $20.50 (as of March 2nd, 2023)

Financial Highlights:

* Revenue: $63.7 million (2021)

* Net Income: $14.4 million (2021)

* Return on Assets: 1.05% (2021)

* Return on Equity: 8.46% (2021)

Growth:

* The company has shown steady growth in revenue and net income over the past few years.

* For the year ended December 31, 2021, the company's net income increased by 47.1% compared to the same period in 2020.

Dividends:

* The company has a history of paying dividends to its shareholders.

* The current dividend yield is approximately 1.8%.

Valuation:

* Based on its latest price, FMBM has a Price-to-Earnings (P/E) ratio of 12.74.

* This suggests that the stock may be undervalued relative to its earnings growth potential.

Risks:

* Like any other bank, FMBM is subject to risks such as credit risk, interest rate risk, and liquidity risk.

* The company may also be affected by macroeconomic factors such as changes in interest rates, economic downturns, and regulatory changes.

In conclusion, FMBM is a well-established bank holding company with a strong presence in the Virginia and Maryland markets. The company has shown steady growth in revenue and net income, and has a history of paying dividends to its shareholders. With a reasonable P/E ratio and a strong balance sheet, FMBM may be an attractive investment opportunity for investors looking for exposure to the banking sector. However, as with any investment, it is important to carefully evaluate the risks and potential rewards before making a decision.