FMBM
F & M Bank Corp.27.95
+0.00+0%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '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
8-K
Board adds ComSonics CEO
F&M Bank Corp. appointed Bret V. Harrison to its board on January 27, 2026, also naming him to the board of subsidiary Farmers & Merchants Bank until the next shareholder meeting. Harrison, President and CEO of ComSonics in Harrisonburg, Virginia, joins with no prior company ties or reportable transactions. He'll receive standard non-employee director pay. New voice from local tech leadership.
8-K
Record earnings, loan growth
F&M Bank Corp. posted record 2025 net income of $11.2 million, up $3.9 million from 2024, fueled by $41.5 million net interest income and 5.51% loan growth to $886.3 million. Assets hit $1.37 billion, deposits $1.25 billion; yet Q4 provision jumped to $1.1 million amid $1.1 million charge-offs. Board declared $0.26/share dividend, payable March 2.
8-K
Execs sign amended deals
F&M Bank Corp. inked amended employment deals December 16, 2025, for CEO Wilkerson ($375,950 salary), President Black ($329,250), and CFO Campbell ($292,500), running to December 31, 2026 with auto-renewal. Executives locked in 12-month severance sans change of control, but 2.99x pay post-COC. Non-competes bind 18 months. Leadership continuity secured.
10-Q
Q3 FY2025 results
F&M Bank Corp. swung to strong Q3 momentum, with net income leaping to $2.9M ($0.82/share) from $0.8M ($0.23/share) y/y, fueled by net interest income up 24% to $10.5M on higher loan yields and deposit costs dropping to 2.71%. Provision for credit losses eased to $539K from $902K y/y, covering $1.6M net charge-offs. Deposits swelled $40M to $1.24B, cash hit $84M, while $7M long-term debt awaits October swap for $10M new notes due 2035. Loans grew 4% to $872M. Nonaccruals steady at 0.85%. Solid margins, yet rising rates pressure unrealized securities losses.
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.
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