FMBM
F & M Bank Corp.27.95
+0.00+0%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
99.48MP/E (TTM)
9.38Basic EPS (TTM)
2.98Dividend Yield
0.04%Recent Filings
10-Q
8-K
Subordinated notes issuance boosts capital
F&M Bank Corp issued $10.0 million in 7.55% fixed-to-floating subordinated notes on October 24, 2025, maturing November 1, 2035, to qualify as Tier 2 capital. Proceeds will redeem existing subordinated debt and support general corporate purposes, including organic growth and regulatory capital ratios. Yet the notes rank junior to senior debt. Third-quarter net income dipped to $2.9 million amid rising expenses, while year-to-date earnings surged 66% to $8.3 million.
8-K
Director retires at mandatory age
F&M Bank Corp. director Daphyne S. Thomas retired from the board on September 18, 2025, after reaching the mandatory age in the company's bylaws. She transitions to honorary status, attending meetings without voting rights until resignation. This routine change maintains board continuity while honoring her service. No disruptions to operations disclosed.
8-K
Bank conference presentation upcoming
F & M Bank Corp. is set to present at the Raymond James U.S. Bank Conference on September 4, 2025, following the earliest event date of September 3. Management will share insights via a slide deck furnished as Exhibit 99.1, offering investors a peek into the bank's strategy and performance. This disclosure under Regulation FD ensures fair information access. No financial updates or guidance are detailed in the filing.
10-Q
Q2 FY2025 results
F&M Bank Corp. posted solid Q2 FY2025 results, with net income dipping slightly to $3.0M ($0.84 per diluted share) from $3.0M ($0.86) a year earlier, yet YTD earnings climbed 28% to $5.4M ($1.53 per share) on stronger net interest income. Revenue momentum built as net interest income surged 28% y/y to $10.5M in the quarter (derived), lifting the margin to 3.48% from 2.74%, while interest expense fell 16% y/y thanks to lower short-term borrowings; q/q, it held steady from Q1. Noninterest income edged down 7% y/y to $2.8M on softer mortgage banking, but YTD rose 6% driven by title insurance and card fees. Expenses climbed 7% y/y to $8.7M amid higher benefits and data processing, while provision for credit losses flipped to $1.2M from a $0.5M recovery, reflecting net charge-offs and reserve builds. Liquidity stays robust with $47.3M in cash equivalents and $179.8M FHLB availability against $7.0M long-term debt at 6.00%; no major M&A. Non-GAAP metrics not disclosed in the 10-Q. Balance sheet risks linger from unrealized securities losses.
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