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Benchmark Bankshares, Inc. (BMBN)

USD42.99 +0.01 (+0.02%)
US OTC Financial Services Banks - Regional
Address 204 South Broad Street 23944
Kenbridge, VA, US
CEO E. Neil Burke
IPO 1999-01-12
CIK 804563 ISIN US08160E2072

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Description

Benchmark Bankshares, Inc. operates as the parent company for Benchmark Community Bank, providing a diverse array of financial products and services. The institution offers various deposit accounts, including checking, savings, and specialized options for youth. Its lending portfolio is comprehensive, featuring personal, residential mortgage, commercial real estate, business, automotive, and educational loans. Complementary services include credit and debit card issuance, alongside extensive wealth management solutions. These wealth management offerings cover financial and retirement planning, investment portfolio administration, estate planning, charitable giving, and trust services. Further conveniences comprise check reordering, secure safe deposit boxes, wire transfers, bill payment functionalities, and both online and mobile banking platforms. As of April 1, 2022, its operational network consisted of 16 full-service branches, a dedicated loan production office, and 14 automated teller machines (ATMs). Established in 1971, Benchmark Bankshares, Inc. is headquartered in Kenbridge, Virginia.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD42.99 +0.01 (+0.02%)
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Volume Profile
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Liquidity & share structure
Average Volume
760
Beta
0.10
Float Shares
3.77M
Free Float %
84.5%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% +2.55% +4.90% +19.17% +15.04% +40.18% +68.34% +92.75% +202.12% +982.87%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
42.99
DCF (Unlevered) 96.17 +123.7%
DCF (Levered) 82.87 +92.8%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.35
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
★ Strong MOAT
  • Revenue growth
    +17.9% Q1'26: +11.4% (vs Q1'25)
  • EPS growth
    +25.3% Q1'26: +15.5% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +31.0% (vs Q1'25)
  • ROIC
    Q1'26: +18.0% (vs Q1'25)
  • Share dilution
    -0.3% Q1'26: -0.3% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 0.00× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.09) × ERP
WACC = 100% × Ke + 0% × Kd (3,735.6%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 96.17 Current price: 42.99
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-28 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-05-26 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-05-22 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-05-20 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-05-19 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-05-18 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-05-15 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-05-14 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-05-13 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-05-12 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-05-11 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-05-08 A- 4/5 5/5 4/5 4/5 1/5 4/5 2/5
2026-05-06 A- 4/5 5/5 4/5 4/5 1/5 4/5 2/5
2026-05-05 A- 4/5 5/5 4/5 4/5 1/5 4/5 2/5
2026-05-04 A- 4/5 5/5 4/5 4/5 1/5 4/5 2/5
2026-04-30 A- 4/5 5/5 5/5 4/5 1/5 4/5 2/5
2026-04-27 A 4/5 5/5 5/5 5/5 1/5 4/5 2/5
2026-04-24 A 4/5 5/5 5/5 5/5 1/5 4/5 2/5
2026-04-22 A 4/5 5/5 5/5 5/5 1/5 4/5 3/5
2026-04-21 A 4/5 5/5 5/5 5/5 1/5 4/5 3/5
2026-04-17 A 4/5 5/5 5/5 5/5 1/5 4/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
3.28M
OE per share TTM
0.73
Owner's Yield
1.91%
Maintenance CapEx ratio
21.20%
Maint CapEx / Avg PPE
36.5%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
1
Total invested
5.75M
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2025 Q4
Investors holding
1
+0 vs prev Q
New positions
0
Closed positions
0
Increased
1
Reduced
0
Put/Call ratio
0.00
Calls held
Puts held
Top institutional holders
# Investor Shares / Δ Mkt value / Δ Own% / Δ Weight% / Δ Avg px / Perf. Hold / Status
1 CUTLER CAPITAL MANAGEMENT, LLC 172.9K +2.6K (+1.5%) 5.75M +558.2K (+10.7%) 3.89% +0.062 pp 1.68% +0.021 pp USD20.56 +63.0% 33 qtrs
Ownership breakdown by holder

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter
Ratio by transactions
27.00
Bullish
Ratio by volume
3.00
Bullish
Buys
27
Sells
1
Shares acquired
14.7K
Shares disposed
457.51
Cash buys
26.00
Cash sales
Net activity
+14,271
Insider buys vs sells (history) From To
Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2005-03-11 HALL C EDWARD Director P-Purchase A Common Stock 2,000 7.38 14.8K 42,234
2005-02-25 WALKER MICHAEL O Officer P-Purchase A Common Stock 1,500 7.38 11.1K 27,000
2005-01-24 ELKINS MARY JANE Director P-Purchase A Common Stock 1,400 12.50 17.5K 2,487
2005-01-19 WATSON BEN L III Director / Officer P-Purchase A Common Stock 500 7.38 3.7K 22,471
2005-01-14 WATSON BEN L III Director / Officer G-Gift D Common Stock 458 0.00 0
2005-01-10 BIGGS DAVID K Director P-Purchase A Common Stock 600 12.50 7.5K 2,000
2005-01-07 HAMLETT J RYLAND Director P-Purchase A Common Stock 3,000 7.38 22.1K 16,721
2005-01-05 PERNELL JANICE W Officer P-Purchase A Common Stock 2,450 7.38 18.1K 11,381
2005-01-04 PARRISH WAYNE J Director P-Purchase A Common Stock 115 18.40 2.1K 26,952
2005-01-04 HALL C EDWARD Director P-Purchase A Common Stock 127 18.40 2.3K 40,474
2005-01-04 ELKINS MARY JANE Director P-Purchase A Common Stock 28 18.40 511.34 1,087
2005-01-04 CARTER EARL H JR Director P-Purchase A Common Stock 187 18.40 3.4K 4,059
2005-01-04 CALLIS WILLIAM J Director P-Purchase A Common Stock 162 18.40 3.0K 40,274
2005-01-04 BIGGS DAVID K Director P-Purchase A Common Stock 0 0.00 2,000
2005-01-03 PARRISH WAYNE J Director P-Purchase A Common Stock 103 18.75 1.9K 26,837
2005-01-03 HALL C EDWARD Director P-Purchase A Common Stock 113 18.75 2.1K 40,347
2005-01-03 ELKINS MARY JANE Director P-Purchase A Common Stock 25 18.75 466.88 1,059
2005-01-03 CARTER EARL H JR Director P-Purchase A Common Stock 167 18.75 3.1K 3,872
2005-01-03 CALLIS WILLIAM J Director P-Purchase A Common Stock 145 18.75 2.7K 40,112
2005-01-03 BIGGS DAVID K Director P-Purchase A Common Stock 118 18.75 2.2K 2,866
2004-12-21 WALKER MICHAEL O Officer P-Purchase A Common Stock 0 0.00 25,000
2004-12-21 PARRISH WAYNE J Director P-Purchase A Common Stock 5,000 7.38 36.9K 26,734
2004-12-10 WATSON BEN L III Director / Officer P-Purchase A Common Stock 1,000 7.38 7.4K 21,514
2004-12-01 CURRIN EARL C Director P-Purchase A Common Stock 4,000 7.38 29.5K 17,178
2004-11-22 HAMLETT J RYLAND Director P-Purchase A Common Stock 0 0.00 34,256
2004-10-15 HALL C EDWARD Director P-Purchase A Common Stock 2,000 7.38 14.8K 40,234
2004-09-16 BERRYMAN R MICHAEL Director J-Other D Common Stock (Street Name) 500 0.00 44,573
2004-09-15 BERRYMAN R MICHAEL Director J-Other D Common Stock (Street Name) 0 0.00 45,073
2004-07-09 PERNELL JANICE W Officer P-Purchase A Common Stock 1,150 7.38 8.5K 8,931
2004-06-28 BRAGG MARK F Director P-Purchase A Common Stock 1,000 11.25 11.3K 8,097
2004-06-23 BERRYMAN R MICHAEL Director P-Purchase A Common Stock 0 0.00 45,073
2004-06-21 BERRYMAN R MICHAEL Director J-Other D Common Stock 0 0.00 45,073
2004-06-01 WATSON BEN L III Director / Officer P-Purchase A Common Stock 500 7.38 3.7K 20,972
2004-06-01 PERNELL JANICE W Officer P-Purchase A Common Stock 45 15.10 679.50 7,781
2004-04-08 CALLIS WILLIAM J Director P-Purchase A Common Stock 3,000 7.38 22.1K 39,967
2004-03-11 STAFFORD JAY A Director / Officer P-Purchase A Common Stock 2,000 7.38 14.8K 8,422
2004-03-02 HALL C EDWARD Director P-Purchase A Common Stock 1,000 7.38 7.4K 32,885
2004-01-09 PERNELL JANICE W Officer P-Purchase A Common Stock 350 7.38 2.6K 7,736
2004-01-08 PARRISH WAYNE J Director P-Purchase A Common Stock 274 14.93 4.1K 6,971
2004-01-08 HALL C EDWARD Director P-Purchase A Common Stock 309 14.93 4.6K 260
2004-01-08 ELKINS MARY JANE Director P-Purchase A Common Stock (Street Name) 334 14.93 5.0K 1,034
2004-01-08 CALLIS WILLIAM J Director P-Purchase A Common Stock (Street Name) 347 14.93 5.2K 347
2004-01-08 BIGGS DAVID K Director P-Purchase A Common Stock 148 14.93 2.2K 1,400
2003-12-24 WATSON BEN L III Director / Officer P-Purchase A Common Stock 500 7.38 3.7K 20,014
2003-12-24 WALKER MICHAEL O Officer P-Purchase A Common Stock 3,000 7.38 22.1K 25,000
2003-12-22 WATSON BEN L III Director / Officer P-Purchase A Benchmark Bankshares, Inc. 500 7.38 3.7K 19,514
2003-12-15 BERRYMAN R MICHAEL Director P-Purchase A Common Stock 2,000 7.38 14.8K 35,400
2003-12-11 BRIDGFORTH LEWIS W Director A-Award A Common Stock 3,000 7.38 22.1K 20,337
2003-10-13 BERRYMAN R MICHAEL Director G-Gift D Common Stock (Street Name) 150 0.00 34,596
2003-10-07 CARTER EARL H JR Director P-Purchase A Common Stock 1,400 14.25 20.0K 2,305
2003-08-22 HALL C EDWARD Director P-Purchase A Common Stock 1,000 7.38 7.4K 31,885
2003-08-01 WATSON BEN L III Director / Officer P-Purchase A Common Stock 500 7.38 3.7K 19,014
2003-07-21 BRIDGFORTH LEWIS W Director 0 0.00 0
2003-07-15 BERRYMAN R MICHAEL Director 0 0.00 0
2003-07-10 PERNELL JANICE W Officer 0 0.00 0
2003-06-25 WATSON BEN L III Director / Officer 0 0.00 0
2003-05-28 PERNELL JANICE W Officer 0 0.00 0
2003-05-14 STAFFORD JAY A Officer D Common Stock (Street Name) 0 0.00 560

Executive team

Top executives
EBIT / Employee
224.2K
Shares Outstanding
4.46M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2004 Ben L. Watson, III President and Chief Executive Officer 138.0K 31.9K 169.9K 0.00%
2 2004 Michael O. Walker Executive Vice President 106.4K 21.9K 128.3K 0.00%
3 2004 Janice W. Pernell Sr. Vice President 102.5K 21.9K 124.4K 0.00%
4 2003 Ben L. Watson, III President and Chief Executive Officer 135.3K 15.5K 150.8K 0.00%
5 2003 Ben L. Watson, III, President and Chief Executive Officer 135.3K 15.5K 150.8K 0.00%
6 2003 Michael O. Walker, Sr. Vice President 104.4K 8.8K 113.2K 0.00%
7 2003 Michael O. Walker Executive Vice President 104.4K 8.8K 113.2K 0.00%
8 2003 Janice W. Pernell, Sr. Vice President 100.5K 8.3K 108.8K 0.00%
9 2003 Janice W. Pernell Sr. Vice President 100.5K 8.3K 108.8K 0.00%
10 2002 Ben L. Watson,III, President and Chief Executive Officer 126.7K 35.1K 161.7K 0.00%
11 2002 Ben L. Watson, III, President and Chief Executive Officer 126.7K 35.1K 161.7K 0.00%
12 2002 Ben L. Watson, III President and Chief Executive Officer 126.7K 35.1K 161.7K 0.00%
13 2002 Michael O. Walker Executive Vice President 96.6K 22.8K 119.3K 0.00%
14 2002 Michael O. Walker, Sr. Vice President 96.6K 22.8K 119.3K 0.00%
15 2002 Janice W. Pernell, Sr. Vice President 92.8K 22.8K 115.6K 0.00%
16 2002 Janice W. Pernell Sr. Vice President 92.8K 22.8K 115.6K 0.00%
17 2001 Ben L. Watson, III, President and Chief Executive Officer 121.8K 22.0K 143.8K 0.00%
18 2001 Ben L. Watson,III, President and Chief Executive Officer 121.8K 22.0K 143.8K 0.00%
19 2001 Michael O. Walker, Sr. Vice President 89.3K 15.8K 105.1K 0.00%
20 2001 Janice W. Pernell, Sr. Vice President 89.3K 15.8K 105.1K 0.00%
21 2000 Ben L. Watson,III, President and Chief Executive Officer 116.0K 24.0K 140.0K 0.00%
22 2000 Janice W. Pernell, Sr. Vice President 85.0K 16.7K 101.7K 0.00%
23 2000 Michael O. Walker, Sr. Vice President 85.0K 16.7K 101.7K 0.00%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2005-04-21 DEF 14A
2005-02-17 DEF 14A
2004-12-23 PRE 14A
2004-03-18 DEF 14A
2003-03-21 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2025-05-29 D
2024-07-02 D
2023-07-06 D
2022-07-18 D
2021-06-22 D
2020-07-01 D
2019-07-15 D
2018-06-26 D
2017-06-21 D/A
2017-06-21 D

Executive team

NameTitleCompensationGender
Christy Taylor Senior VP & Credit Officer
Curtis Tyndall Senior Vice President & Henderson Market Executive
E. Neil Burke Chief Executive Officer, President & Director male
Earl J. Allen Senior Vice President & Compliance Officer
Elizabeth T. Beale Executive Vice President & Chief Financial Officer female
Helen Person Vice President & Director of Marketing and Public Relations
Jennifer Clark Senior Vice President & Chief Human Resources Officer female
John Webb Senior Vice President & Regional Manager
L. Michael Arthur Jr. Executive Vice President & Chief Administrative Officer male
LeAnne R. Emert Executive Vice President & Chief Banking Officer female
Renee Dolan Senior Vice President & Accounting Officer female
ESG Rating
B
BANKS - REGIONAL
2004
E (Environmental)
71.9 / 64.3
Company / Sector avg.
S (Social)
71.8 / 76.5
Company / Sector avg.
G (Governance)
60.7 / 75.5
Company / Sector avg.
ESG Total
68.1 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits