{"filings":[{"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. 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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; 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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}],"next_cursor":null}