{"filings":[{"id":2493636,"accession_number":"0001654954-26-007883","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2026-08-26T20:17:28+00:00","items":["5.02"],"status":"ready","headline":"F&M Bank Corp. appoints Erica N. Truban to board of directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Erica N. Truban appointed director of F&M Bank Corp. and subsidiary Farmers & Merchants Bank, effective Aug. 25, 2026.","Truban is Director, Customer Success at Intuit Inc.; CPA and Certified Information Systems Auditor.","She will serve on Audit Committee and Operational Risk Committee; standard non-employee director compensation.","No arrangements or transactions requiring disclosure under Item 404(a)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1963876,"accession_number":"0001654954-26-007023","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2026-07-30T18:25:06+00:00","items":["2.02","9.01"],"status":"ready","headline":"F&M Bank Corp Q2 2026 net income $5.37M ($1.50 EPS) vs $2.97M year ago; dividend $0.26/share","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.37M ($1.50 diluted EPS) vs $2.97M ($0.83) in Q2 2025, up 81% YoY.","Net interest margin expanded to 3.79% from 3.48% a year ago; net interest income $12.33M, up 17% YoY.","Nonrecurring items: $4.8M gain on sale of Bearing Insurance offset by $3.5M loss on bond portfolio restructuring, net $1.3M pre-tax gain.","Total assets $1.4B, loans $925.3M (+4.4% YTD), deposits $1.26B (+0.98% YTD).","Dividend declared $0.26/share, payable Aug 28 to holders of record Aug 14; annualized yield 2.63% based on $39.54 close."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1631476,"accession_number":"0001654954-26-006649","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2026-07-14T17:46:57+00:00","items":["8.01","9.01"],"status":"ready","headline":"F&M Bank Corp. restructures bond portfolio using $4.8M gain from Bearing Insurance sale","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold $29.8M book value of AFS securities (1.66% yield) and bought $29.4M (4.92% yield) in June 2026.","Pre-tax loss on restructuring $3.5M; after-tax loss $2.7M expected to recover over ~3.5 years.","Annualized EPS improvement of ~$0.21/share and net interest margin increase of ~6 bps expected.","Net pre-tax gain from Bearing sale and restructuring combined is $1.3M; no impact on tangible book value.","CEO Mike Wilkerson says restructuring supports sustainable profitability and accelerates performance."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":695278,"accession_number":"0001654954-26-005428","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2026-05-27T20:00:25+00:00","items":["5.02","9.01"],"status":"ready","headline":"F&M Bank Corp. amends 2020 Stock Incentive Plan to add retirement definition and clarify clawback","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Added 'Retirement' defined as age 65 and at least 5 consecutive years of service.","Compensation Committee may, in its discretion, accelerate vesting of unvested awards upon Retirement.","Clawback provision updated to comply with law, regulation, and exchange listing requirements, including Dodd-Frank.","Amendment approved by the Board on May 21, 2026; no shareholder approval required."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":510516,"accession_number":"0001654954-26-005093","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2026-05-19T13:28:20+00:00","items":["5.07"],"status":"ready","headline":"F&M Bank Corp. annual meeting results: all director nominees elected, auditor ratified, say on pay approved","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Four directors elected to three-year terms: Hannah W. Hutman (1,701,595 for), A. Michael Wilkerson (1,701,596 for), John A. Willingham (1,712,745 for), Dean W. Withers (1,678,332 for).","Bret V. Harrison elected to one-year term with 1,712,745 votes for.","Ratification of Elliott Davis, PLLC as auditor approved: 2,561,366 for, 2,395 against.","Advisory say on pay resolution passed: 1,633,673 for, 64,861 against, 29,702 abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":454516,"accession_number":"0001654954-26-004946","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2026-05-15T13:33:04+00:00","items":["7.01","9.01"],"status":"ready","headline":"F&M Bank furnishes annual meeting presentation; no material financial updates disclosed","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Filing relates to slides presented at May 16, 2025 Annual Meeting of Shareholders.","No earnings, M&A, leadership changes, or other material events reported in the filing.","Exhibit 99.1 (presentation) not summarized; specific financial figures or guidance unavailable.","F&M Bank Corp. has no registered securities under Section 12(b); no public ticker."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98628,"accession_number":"0001654954-26-004333","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2026-05-05T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"F&M Bank Corp. records $3.8M after-tax gain from sale of Bearing Insurance investment","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["After-tax gain of $3.8M (pre-tax $4.8M) on sale of minority stake in Bearing Insurance.","Sale closed April 30, 2026; proceeds of $5.1M vs original investment of $223,922.","Estimated BV and tangible BV per share increase by $1.07 based on 3,583,785 shares outstanding.","CEO stated the gain will allow the company to accelerate strategic growth initiatives.","Non-recurring gain will be recognized in Q2 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98627,"accession_number":"0001654954-26-004059","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2026-04-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"F&M Bank Q1 net income $3.23M ($0.91 EPS), up 31% YoY; dividend $0.26 declared","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $3.23M, EPS $0.91; up 31.3% YoY from $0.70. ROAA 0.94%, ROAE 12.18%.","Net interest margin expanded to 3.56% from 3.15% YoY; net interest income $11.43M (+21% YoY).","Total assets $1.41B (+2.6% linked quarter); loans $896.9M, deposits $1.28B (+2.4% each).","Non-performing assets down 46% YoY to $4.85M (0.34% of assets); provision for credit losses $309K.","Quarterly dividend $0.26/share, payable May 29, 2026, record May 15, 2026, ~3.31% annualized yield."],"consensus_eps_estimate":null,"consensus_eps_actual":0.91,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114223,"accession_number":"0001654954-26-001045","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2026-02-09T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"F&M Bank Corp. appoints Bret V. Harrison to board of directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Bret V. Harrison appointed as a director effective January 27, 2026, until next annual meeting.","Also appointed to board of wholly owned subsidiary Farmers & Merchants Bank.","Harrison is President and CEO of ComSonics in Harrisonburg, Virginia.","Will receive standard non-employee director compensation as described in 2025 proxy."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114222,"accession_number":"0001654954-26-000812","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2026-02-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"F&M Bank Corp reports record 2025 net income of $11.2M, up 53% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $11.2M ($3.16/share) for 2025, a record, up $3.9M from $7.3M ($2.07/share) in 2024.","Net interest margin rose 57bps to 3.35%; earning asset yield 5.46%, cost of funds 2.15%.","Total assets grew 5.5% to $1.37B; loans $886.3M (+5.5%), deposits $1.25B (+4.2%).","Book value per share up 20.6% to $29.46; tangible book value $28.58.","Quarterly dividend declared $0.26/share, payable March 2 to holders of record Feb 14, 3.40% annual yield."],"consensus_eps_estimate":null,"consensus_eps_actual":3.16,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130597,"accession_number":"0001654954-25-014119","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2025-12-18T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"F&M Bank Corp. amends employment agreements for CEO, President, CFO with new base salaries and severance terms","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CEO Aubrey Michael Wilkerson base salary set at $375,950; term through Dec 31, 2026 with auto-renewal.","President Barton E. Black base salary set at $329,250; same term and renewal provisions.","CFO Lisa F. Campbell base salary set at $292,500; same term and renewal.","Non-Cause/Good Reason severance includes 12 months base salary and COBRA benefit; Change-in-Control severance is 2.99x base plus bonus lump sum.","Each executive reaffirms 18-month non-compete and confidentiality covenants."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130596,"accession_number":"0001654954-25-012322","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2025-10-29T23:59:59+00:00","items":["1.01","2.02","2.03","9.01"],"status":"ready","headline":"F&M Bank Q3 net income $2.9M ($0.82/share); issues $10M 7.55% sub notes due 2035","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.9M ($0.82/share) for Q3 2025, down 2.38% from Q2; YTD net income $8.3M ($2.35/share) vs $5.0M ($1.44) in 2024.","Issued $10M of 7.55% fixed-to-floating subordinated notes due Nov 1, 2035 for Tier 2 capital; proceeds to redeem existing debt.","Total assets $1.36B, loans $872.3M, deposits $1.24B; tangible book value $27.63/share, up 17.4% YTD.","Net interest margin 3.36%, down 12 bps QoQ; provision for credit losses $539K, down from $1.2M in Q2.","Declared $0.26/share dividend payable Nov 28, 2025 to holders of record Nov 14, 2025; annualized yield 3.9%."],"consensus_eps_estimate":null,"consensus_eps_actual":2.35,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147136,"accession_number":"0001654954-25-011160","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2025-09-26T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Daphyne S. Thomas retires from F&M Bank board at mandatory retirement age","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Retirement effective September 18, 2025; per Section 2.10 of Amended Bylaws.","Becomes honorary director; may attend meetings but has no voting rights.","No replacement named; retirement due to age, not any disagreement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147135,"accession_number":"0001654954-25-010375","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2025-09-03T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"F & M Bank Corp. presents at Raymond James conference; no financial details in filing","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Management presented at Raymond James U.S. Bank Conference on September 4, 2025.","Slide deck furnished as Exhibit 99.1; no specific financial data disclosed in filing text.","No earnings, guidance, or material operational updates included in the 8-K or exhibit.","Presentation appears to be a routine investor overview; confidence in content is low."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147134,"accession_number":"0001654954-25-008661","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2025-07-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"F&M Bank Q2 net income $3.0M ($0.84/sh), up 21% QoQ; TBV up 9.1% YTD","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $3.0M ($0.84/sh) for Q2 2025 vs $2.5M ($0.70/sh) in Q1; six-month net $5.4M vs $4.2M YoY.","Net interest margin rose 33 bps to 3.48%; loan growth $21.8M (2.63%) in Q2 driven by farmland and residential mortgages.","Tangible book value per share $25.68, up 9.1% or $2.15 YTD.","Quarterly dividend declared $0.26/sh, payable Aug 29 to holders of record Aug 14; 4.3% annualized yield.","Provision for credit losses $1.2M vs net recovery of $104K in Q1; nonperforming loans 0.90% of total loans."],"consensus_eps_estimate":null,"consensus_eps_actual":1.53,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165703,"accession_number":"0001654954-25-006577","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2025-06-04T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"F&M Bank Corp. authorizes $2.2M stock repurchase program through May 2026","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized repurchase of up to $2.2 million of common stock.","Program effective June 4, 2025; expires May 31, 2026.","Repurchased shares will be retired to authorized but unissued status.","Program discretionary; no assurance any shares will be repurchased."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165702,"accession_number":"0001654954-25-005988","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2025-05-21T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"F&M Bank Corp. reports 2025 annual meeting results; all director nominees elected, say on pay approved","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Edward Ray Burkholder elected director with 1,503,595 votes for; Neil A. Houff with 1,515,651 for.","Michael W. Pugh elected with 1,470,279 for; Christopher S. Runion with 1,484,231 for.","Ratification of Elliott Davis, LLC as auditor for 2025 approved with 2,431,612 votes for.","Say on pay advisory resolution approved, 1,383,180 for vs 134,950 against.","Board adopts annual frequency for future say on pay votes based on 1,346,672 votes for 1 year."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165701,"accession_number":"0001654954-25-005789","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2025-05-16T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"F&M Bank Corp. 8-K furnishes annual meeting slides; no specific financial updates in filing","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Filing under Item 7.01 provides slides for annual meeting held May 17, 2025.","Presentation content not included in the SEC filing text; no material new data disclosed.","No earnings, guidance, or corporate actions reported in the 8-K exhibit stub.","Filing is procedural; confidence in identifying news is low due to lack of exhibit details."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165700,"accession_number":"0001654954-25-004801","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2025-04-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"F&M Bank Corp Q1 net income $2.5M, EPS $0.70, up 9% from Q4 2024","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.5M ($0.70 per share), up 9% from Q4 2024 net income $2.3M ($0.64).","Total assets $1.31B (+0.78%), deposits $1.20B (+0.41%), loans $827M (-1.5%) since Dec 31, 2024.","Tangible book value per share $24.73, up 5% ($1.20) in Q1 2025.","Noninterest income grew $187,000 linked-quarter, led by wealth management.","CEO cites disciplined balance sheet and sound loan portfolio as drivers."],"consensus_eps_estimate":null,"consensus_eps_actual":0.7,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183302,"accession_number":"0001654954-25-000936","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2025-01-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"F&M Bank Corp posts $0.64 Q4 EPS, FY net income up 163% to $7.3M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income Q4 2024 $2.3M ($0.64/sh); full-year $7.3M ($2.07/sh), up 163% from $2.8M in 2023.","Total assets $1.30B; loans $839.9M (+2% YoY), deposits $1.20B (+5% YoY).","Net interest margin improved to 2.91% in Q4 (up 14 bps linked quarter); full-year NIM 2.77%.","Noninterest expenses fell $4.3M YoY to $34.4M; $500K insurance proceeds offset prior fraud costs.","Tangible book value per share rose to $23.53 from $21.55 as of Dec 31, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":2.07,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183301,"accession_number":"0001654954-25-000872","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2025-01-28T23:59:59+00:00","items":["4.01","5.03","9.01"],"status":"ready","headline":"F&M Bank Corp. replaces auditor YHB with Elliott Davis; adopts bylaw amendments","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Dismissed Yount, Hyde & Barbour as auditor effective after FY2024 audit; no disagreements or reportable events.","Engaged Elliott Davis, PLLC as new independent auditor for FY2025, subject to client acceptance procedures.","Bylaws amended: white proxy card reserved for board; shareholder notice window widened to 90-135 days pre-meeting.","Bylaws also updated to allow uncertificated shares and codified fiscal year as Jan 1 – Dec 31."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":199889,"accession_number":"0001654954-24-014252","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2024-11-13T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"F&M Bank Q3 net income $792K ($0.23) vs $1.0M YoY; hit by $734K one-time charges","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $792K ($0.23/share) vs $3.0M ($0.86) linked Q2 and $1.0M ($0.29) prior-year Q3.","One-time after-tax expenses of $734K: $152K severance and $582K external fraud event.","Core earnings (non-GAAP) $1.526M for Q3 and $5.759M YTD, excluding one-time items.","Nine-month net income $5.0M ($1.44/share) vs $2.3M ($0.67) same period 2023, more than doubled.","Quarterly dividend declared (per-share amount not specified in press release)."],"consensus_eps_estimate":null,"consensus_eps_actual":1.44,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":199888,"accession_number":"0001654954-24-013385","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2024-10-28T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"F&M Bank Corp. appoints Neil A. Houff as director","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Houff appointed to board of F&M Bank Corp. and its bank subsidiary on October 23, 2024.","He will serve until the next annual meeting under standard non-employee director pay.","Houff is President of Houff Corporation in Weyers Cave, Virginia; no prior officer/employee role.","No arrangements or transactions with the company requiring Item 404(a) disclosure."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215905,"accession_number":"0001654954-24-011519","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2024-09-05T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"F&M Bank Corp. presents at Raymond James U.S. Bank Conference; slide deck furnished","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Management team presenting at Raymond James U.S. Bank Conference on September 5, 2024.","Slide presentation furnished as Exhibit 99.1; contains general corporate overview and forward-looking cautionary statements.","No material financial or operational updates disclosed in the filing or the incomplete exhibit text.","Presentation is furnished under Regulation FD, not filed with the SEC."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215904,"accession_number":"0001654954-24-009559","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2024-07-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"F&M Bank Corp Q2 net income surges to $3.0M, EPS $0.86 from $0.07 YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 2024 net income $3.0M ($0.86/share) vs $241K ($0.07/share) in Q2 2023.","Six-month net income $4.2M ($1.21/share) vs $1.3M ($0.37/share) in 2023.","Total assets $1.31B; deposits grew $28.9M in Q2 to $1.19B.","Tangible book value per share rose to $22.62 from $21.55 at Dec. 31, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":1.21,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215903,"accession_number":"0001654954-24-009182","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2024-07-19T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Larry A. Caplinger retires from F&M Bank Corp. board","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Larry A. Caplinger retired from the Board of Directors on July 18, 2024, effective immediately.","Retirement was due to meeting the mandatory retirement age set forth in the company's bylaws.","Mr. Caplinger served on the Board of Directors for 12 years."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235364,"accession_number":"0001654954-24-006667","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2024-05-20T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"F&M Bank Corp. shareholders elect three directors, ratify auditor, approve say-on-pay","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All three director nominees elected: Keeler, Thomas, Wray received >1.35M votes each; broker non-votes ~850K.","Ratification of Yount, Hyde & Barbour PC as auditor for 2024 passed with 2.236M for, 29K against, 17K abstain.","Advisory say-on-pay resolution approved with 1.291M for, 105K against, 37K abstain, plus 850K broker non-votes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235363,"accession_number":"0001654954-24-005940","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2024-05-10T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"F&M Bank Corp. recognizes $577K pension settlement gain; plan to terminate June 1, 2024","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Settlement accounting triggered on defined benefit pension plan due to lump sum payments exceeding service and interest cost.","Recognized gain of $547,345 in Q2 2024, later increased to $577,305 after an additional lump sum distribution.","Company intends to terminate the pension plan on June 1, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235362,"accession_number":"0001654954-24-005271","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2024-04-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"F&M Bank Corp reports Q1 2024 net income of $1.2M, EPS $0.35, declares dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.2M ($0.35 EPS) vs $1.1M ($0.30) in Q1 2023; net interest margin 2.64% down 12bps YoY.","Total assets $1.32B, total loans $825.9M (+$3.8M), total deposits $1.16B (+$23.1M) vs Dec 31, 2023.","Noninterest expenses $8.4M, down $2.1M linked quarter due to prior Q4 severance of $1.4M pre-tax.","Provision for credit losses $823K including net charge-offs $807K; ACLL 1.02% of gross loans.","Dividend declared; tangible book value per share $21.20 vs $21.55 at Dec 31, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":0.35,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235361,"accession_number":"0001654954-24-005289","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K/A","filed_at":"2024-04-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"F&M Bank Corp Q1 2024 net income $1.2M ($0.35/share), up from $1.1M in Q1 2023","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $1.2M ($0.35 diluted EPS) vs $1.1M ($0.30) in Q1 2023 and $457K ($0.13) in Q4 2023.","Net interest margin 2.64%, down 12 bps YoY; net interest income $8.1M, up $244K from prior year.","Total assets $1.32B; loans $825.9M (+$3.8M QoQ); deposits $1.16B (+$23.1M QoQ); noninterest-bearing deposits up $2.9M.","Provision for credit losses $823K vs zero in Q1 2023, reflecting $807K net charge-offs; ACLL at 1.02% of loans.","Declared quarterly dividend; noninterest expenses fell $2.1M from Q4 2023 due to prior quarter severance costs."],"consensus_eps_estimate":null,"consensus_eps_actual":0.35,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253184,"accession_number":"0001654954-24-001075","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2024-01-30T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"F&M Bank furnishes investor presentation materials for meetings","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["The filing discloses that F&M Bank will use presentation materials in investor meetings.","Exhibit 99.1 contains the presentation, but no specific financial data is provided in the filing.","The information is furnished under Regulation FD, not filed, and not incorporated by reference.","No material new information beyond the existence of the presentation materials."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253183,"accession_number":"0001654954-24-001027","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2024-01-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"F&M Bank Q4 net income $457k ($0.13); full year $2.8M; includes $1.8M severance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $457k ($0.13/diluted) versus $1.0M ($0.29) in Q3 2023 and $1.7M ($0.49) in Q4 2022.","FY 2023 net income $2.8M ($0.79) down from $8.3M ($2.41) in 2022; includes $1.8M after-tax severance and early exit costs.","Total loans grew $78.5M to $822.1M; deposits up $49.9M to $1.13B; uninsured deposits 11.60%.","Net interest margin 2.66% in Q4, down 1bp linked quarter and 38bps YoY; $134k recovery of credit losses.","Quarterly dividend declared (amount not specified); tangible book value per share rose to $21.55 from $19.55."],"consensus_eps_estimate":null,"consensus_eps_actual":0.8,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":270641,"accession_number":"0001654954-23-015582","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K/A","filed_at":"2023-12-15T23:59:59+00:00","items":["9.01"],"status":"ready","headline":"F&M Bank files 8-K/A to include omitted investor presentation from Dec 14, 2023","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Amendment files Exhibit 99.1, the investor presentation materials inadvertently omitted from the original 8-K.","No other changes were made to the original filing; the presentation is to be read with the original report.","The content of the investor presentation is not summarized in this filing, so its materiality cannot be assessed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":270644,"accession_number":"0001654954-23-015527","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2023-12-14T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"F & M Bank furnishes investor presentation; no specific financial details in filing","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Filing discloses only that investor presentation materials are furnished as Exhibit 99.1.","No financial results, guidance, or strategic updates provided in the 8-K body.","Presentation content not included; no specific facts available for summary.","Regulation FD disclosure without substantive new information."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":270643,"accession_number":"0001654954-23-013863","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2023-11-07T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"F & M Bank Corp. offers early retirement program; max cost $1.8M in Q4 2023","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Early retirement program offered to certain employees during Q4 2023.","Maximum one-time expense estimated at $1,812,427.","Actual expense may be lower depending on participation.","All expense recognized in Q4 ending December 31, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":270642,"accession_number":"0001654954-23-013691","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2023-11-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"F&M Bank Q3 net income falls to $1.0M from $2.3M; loans increase $62M YTD","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.0M ($0.29/diluted share) vs $2.3M ($0.67) in Q3 2022; nine-month net income $2.3M vs $6.6M.","Total loans $805.6M at Sept 30, up $62M YTD; deposits $1.13B, up $50.5M.","Net interest margin down 41 bps YoY to 2.67% as interest expense outpaced income growth.","Noninterest expenses $28.3M YTD included $1.0M in severance accruals; prior year $27.0M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":162000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":287564,"accession_number":"0001654954-23-009919","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2023-08-01T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"F&M Bank Corp. annual meeting elects directors, ratifies auditor, approves say-on-pay","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Four directors elected to three-year terms through 2026: Hannah Hutman, John Willingham, Dean Withers, Aubrey Wilkerson; each received >1.35M votes for.","Appointment of Yount, Hyde & Barbour P.C. as independent auditor ratified with 2,285,861 votes for, 932 against, 1,977 abstain.","Advisory vote on executive compensation approved with 1,298,129 for, 68,437 against, 69,453 abstain; broker non-votes 852,751."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":287563,"accession_number":"0001654954-23-009754","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2023-07-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"F&M Bank Corp Q2 net income falls to $241,000; declares $0.26 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $241K ($0.07 EPS) vs $1.1M ($0.30) linked Q1 and $1.8M ($0.51) year-ago Q2.","Net interest income $7.8M, down $58K linked and $1.2M YoY; NIM fell 10 bp to 2.66%.","One-time severance accruals: $764K in Q2 and $261K in Q1, totaling $1.0M after-tax in H1.","Loans grew $32.7M to $776.3M, deposits up $53.7M to $1.14B since year-end 2022.","Dividend $0.26/share payable Aug 29; record Aug 14; annualized yield 4.62% at $22.50 close."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":66000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":307778,"accession_number":"0001654954-23-005746","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K/A","filed_at":"2023-05-03T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"F&M Bank Q1 net income $1.1M ($0.30 EPS), down 56% YoY; dividend $0.26","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $1.1M vs $2.5M in Q1 2022; EPS $0.30 vs $0.74.","Net interest margin fell 28 bps linked to 2.76% due to higher funding costs.","Deposits grew $21.9M in Q1 to $1.11B; uninsured deposits 11.45%.","Adopted CECL, adding $777k to ACL and $749k reserve for unfunded commitments.","Board declared $0.26/sh dividend, payable May 30, 2023, record May 15."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":28000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":307781,"accession_number":"0001654954-23-005449","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2023-05-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"F&M Bank Q1 net income falls 56% YoY to $1.1M; deposits grow, CEO transition","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $1.1M ($0.30/share) vs $2.5M ($0.74/share) in Q1 2022 and $1.7M ($0.49) in Q4 2022.","Deposits grew $21.9M to $1.11B; uninsured deposits at 11.45%; net interest margin fell 28bp to 2.76%.","Adopted CECL on Jan 1, 2023 with one-time ACL increase of $777K and $749K reserve for unfunded commitments.","Declared Q1 dividend of $0.26/share (4.75% annualized yield), payable May 30, 2023 to holders of record May 15.","CEO Mike Wilkerson and President Barton Black assumed leadership roles just after quarter end; technology upgrades underway."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":28000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":307780,"accession_number":"0001654954-23-005261","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2023-04-27T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Daniel J. Harshman retires from F&M Bank Corp. board after 22 years","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Daniel J. Harshman retired from the Board of Directors effective April 26, 2023.","Retirement due to mandatory age requirement in company bylaws.","Harshman served on the Board for 22 years."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":307779,"accession_number":"0001654954-23-004549","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2023-04-10T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"F&M Bank Corp appoints Mike Wilkerson CEO, Barton Black President effective immediately","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Mark C. Hanna departed as President/CEO and resigned from board, effective April 10, 2023.","Mike Wilkerson, previously EVP/Chief Lending Officer, appointed CEO; over 40 years banking experience.","Barton Black, previously EVP/COO, appointed President; over 30 years experience.","Wilkerson also appointed to the Board of Directors of F&M Bank Corp and F&M Bank.","Hanna entitled to severance per employment agreement filed Jan 6, 2021 (Exhibit 10.1)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":326740,"accession_number":"0001654954-23-001031","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2023-01-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"F&M Bank Corp Q4 net income $1.7M ($0.49/dil) vs $2.3M Q3; loans grow $44M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $1.7M ($0.49/share) vs $2.3M ($0.67) in Q3 and $1.4M ($0.40) in Q4 2021.","Full-year 2022 net income $8.3M ($2.41/share) vs $10.5M ($3.12) in 2021.","Total loans grew 12.2% YoY to $743.6M; Q4 commercial loan growth $24.4M.","One-time $3.8M gain from Infinex sale offset by $2.7M loss on securities sale.","Dividend $0.26/share declared, payable March 1, 2023; annualized yield ~4.61%."],"consensus_eps_estimate":null,"consensus_eps_actual":2.41,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":326739,"accession_number":"0001654954-23-000514","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2023-01-18T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"F&M Bank Corp. EVP and Chief Banking Officer F. Garth Knight separates employment effective Jan 10, 2023","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["F. Garth Knight separated employment with F&M Bank Corp. and its subsidiary Farmers & Merchants Bank on January 10, 2023.","Mr. Knight served as Executive Vice President and Chief Banking Officer for both the Company and the Bank.","No successor or interim replacement is named in the filing; departure reasons not disclosed.","No severance or compensatory arrangements were reported."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":344460,"accession_number":"0001654954-22-014254","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2022-10-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"F&M Bank Corp. reports Q3 2022 net income of $2.3M; declares $0.26 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.3M for Q3, $6.6M for nine months ended Sep 30, 2022.","Deposits grew $17.2M to $1.1B; loans held for investment (ex-PPP) up $6.7M to $699.6M.","Nonperforming assets as % of total assets fell to 0.19% from 0.45% at Dec 31, 2021.","No provision for loan losses in Q3; $150K provision YTD.","Dividends: $0.26/share, payable Nov 29, 2022 to holders of record Nov 14, 2022 (annualized yield 4.45%)."],"consensus_eps_estimate":null,"consensus_eps_actual":1.92,"consensus_revenue_estimate":null,"consensus_revenue_actual":103000000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":344459,"accession_number":"0001002105-22-000030","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2022-10-24T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"F&M Bank Corp appoints Lisa F. Campbell as EVP & CFO effective Oct 18, 2022","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Lisa F. Campbell named Executive VP and CFO of F&M Bank Corp and its bank subsidiary, effective October 18, 2022.","Employment agreement provides $250,000 base salary, annual cash bonus opportunity of 25%-35% of salary, and equity incentive up to 15%.","Receives $35,000 relocation and signing bonus; term runs through Dec 31, 2024 with automatic one-year renewals.","Severance includes base salary for 12+ months and welfare benefits; change-of-control severance equals 2.99x salary plus bonus.","Campbell previously served as CFO of Fidelity Bancshares (NC) and Select Bancorp."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":344458,"accession_number":"0001002105-22-000028","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2022-10-20T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"CFO Carrie Comer departs F&M Bank; receives 15-month salary continuation","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Separation of Executive VP and CFO Carrie Comer effective October 14, 2022.","Comer receives base salary continuation for 15 months plus health benefit contributions.","Separation Agreement includes customary release and waiver of claims for the company.","Departure was previously announced; Agreement to be filed in Q3 10-Q."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":360950,"accession_number":"0001002105-22-000026","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2022-09-26T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"F & M Bank Corp. CFO Carrie A. Comer separates employment effective Sept 20, 2022","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Carrie A. Comer, EVP and CFO of F & M Bank Corp. and subsidiary, separated employment on Sept 20, 2022.","No replacement or interim CFO has been named in the filing.","The departure was effective immediately on September 20, 2022; no reason was provided."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":360949,"accession_number":"0001002105-22-000024","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2022-08-23T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"F & M Bank Corp. expects ~$4.55M in proceeds from Infinex sale to Advisor Group","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Expected to receive ~$3.8M cash upon close of Infinex/Advisor Group transaction.","Potential post-closing contingent payments of ~$750k.","Transaction expected to close Q3 or Q4 2022, subject to regulatory approvals."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":360948,"accession_number":"0001654954-22-010144","cik":740806,"company_name":"F&M BANK CORP","ticker":"FMBM","form_type":"8-K","filed_at":"2022-07-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"F&M Bank Corp Q2 net income falls to $1.79M from $3.22M YoY; dividend $0.26/share","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.79M ($0.51 EPS) vs $3.22M ($0.98 EPS) in Q2 2021, down 44%.","Net interest margin 3.15% (Q2), up from 2.82% in Q1; noninterest income $2.4M, down from $3.0M YoY.","Loans held for investment grew $32.3M (4.92%) in quarter; total deposits declined $12M (1.09%).","Nonperforming loans fell to 0.15% of assets (prior year 0.50%); provision for loan losses $600k.","Dividend $0.26 per share (payable Aug 29 to record Aug 14), annualized yield ~4.08% based on $25.48 close."],"consensus_eps_estimate":null,"consensus_eps_actual":1.25,"consensus_revenue_estimate":null,"consensus_revenue_actual":54000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":119196158.14651793,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2022-07-28T23:59:59+00:00|360948"}