The Farmers Bank of Appomattox
The Farmers Bank of Appomattox, together with its subsidiary Farmers Bank Financial Services, Inc., provides various personal and business banking products and services. The company accepts deposit products, including personal and commercial checking accounts, savings accounts, individual retirement accounts, and certificates of deposit. Its loan portfolio includes mortgage, auto, personal, agric… Read more
The Farmers Bank of Appomattox (FBPA) - Net Assets
Latest net assets as of September 2025: $37.32 Million USD
Based on the latest financial reports, The Farmers Bank of Appomattox (FBPA) has net assets worth $37.32 Million USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($358.10 Million) and total liabilities ($320.78 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $37.32 Million |
| % of Total Assets | 10.42% |
| Annual Growth Rate | 3.03% |
| 5-Year Change | -6.11% |
| 10-Year Change | 21.84% |
| Growth Volatility | 10.24 |
The Farmers Bank of Appomattox - Net Assets Trend (2013–2024)
This chart illustrates how The Farmers Bank of Appomattox's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for The Farmers Bank of Appomattox (2013–2024)
The table below shows the annual net assets of The Farmers Bank of Appomattox from 2013 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $34.01 Million | +4.22% |
| 2023-12-31 | $32.63 Million | +17.40% |
| 2022-12-31 | $27.80 Million | -26.42% |
| 2021-12-31 | $37.78 Million | +4.30% |
| 2020-12-31 | $36.23 Million | +7.82% |
| 2019-12-31 | $33.60 Million | +7.25% |
| 2018-12-31 | $31.33 Million | +2.86% |
| 2017-12-31 | $30.46 Million | +4.16% |
| 2016-12-31 | $29.24 Million | +4.75% |
| 2015-12-31 | $27.91 Million | +4.89% |
| 2014-12-31 | $26.61 Million | +8.61% |
| 2013-12-31 | $24.50 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to The Farmers Bank of Appomattox's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 81.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $40.43 Million | 118.86% |
| Total Equity | $34.01 Million | 100.00% |
The Farmers Bank of Appomattox Competitors by Market Cap
The table below lists competitors of The Farmers Bank of Appomattox ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Hep Tech Co Ltd
TWO:3609
|
$23.97 Million |
|
Deniz Gayrimenkul Yatirim Ortakligi AS
IS:DZGYO
|
$23.99 Million |
|
Korea SPAC 2
KQ:206400
|
$23.99 Million |
|
DP POLAND PLC
F:2OP
|
$24.00 Million |
|
Companhia de Gás de São Paulo - COMGÁS
SA:CGAS3
|
$23.96 Million |
|
Syntara Ltd
AU:SNT
|
$23.95 Million |
|
Cipherlab Co Ltd
TWO:6160
|
$23.95 Million |
|
TERACT EO 1
F:6O8
|
$23.95 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in The Farmers Bank of Appomattox's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 32,634,000 to 34,011,000, a change of 1,377,000 (4.2%).
- Net income of 2,714,000 contributed positively to equity growth.
- Dividend payments of 1,083,000 reduced retained earnings.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $2.71 Million | +7.98% |
| Dividends Paid | $1.08 Million | -3.18% |
| Other Changes | $-254.00K | -0.75% |
| Total Change | $- | 4.22% |
Book Value vs Market Value Analysis
This analysis compares The Farmers Bank of Appomattox's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.75x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2015-12-31 | $0.00 | $23.50 | x |
| 2016-12-31 | $0.00 | $23.50 | x |
| 2017-12-31 | $28.11 | $23.50 | x |
| 2018-12-31 | $28.91 | $23.50 | x |
| 2019-12-31 | $31.00 | $23.50 | x |
| 2020-12-31 | $33.43 | $23.50 | x |
| 2021-12-31 | $34.86 | $23.50 | x |
| 2022-12-31 | $25.65 | $23.50 | x |
| 2023-12-31 | $30.11 | $23.50 | x |
| 2024-12-31 | $31.39 | $23.50 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently The Farmers Bank of Appomattox utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.98%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 21.64%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 10.35x
- Recent ROE (7.98%) is below the historical average (8.33%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2013 | 8.24% | 24.35% | 0.04x | 8.22x | $-432.20K |
| 2014 | 7.57% | 24.72% | 0.04x | 8.04x | $-646.20K |
| 2015 | 7.97% | 25.63% | 0.04x | 7.98x | $-565.40K |
| 2016 | 8.81% | 26.46% | 0.04x | 7.99x | $-349.00K |
| 2017 | 7.77% | 24.69% | 0.04x | 7.82x | $-678.70K |
| 2018 | 7.40% | 23.64% | 0.04x | 7.34x | $-815.70K |
| 2019 | 7.71% | 26.60% | 0.04x | 7.02x | $-769.80K |
| 2020 | 7.32% | 26.91% | 0.04x | 7.57x | $-970.50K |
| 2021 | 8.76% | 30.20% | 0.03x | 8.44x | $-467.10K |
| 2022 | 11.54% | 27.90% | 0.04x | 11.38x | $428.20K |
| 2023 | 8.87% | 24.94% | 0.03x | 10.58x | $-367.40K |
| 2024 | 7.98% | 21.64% | 0.04x | 10.35x | $-687.10K |
Industry Comparison
This section compares The Farmers Bank of Appomattox's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| The Farmers Bank of Appomattox (FBPA) | $37.32 Million | 8.24% | 8.60x | $23.97 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |