{"schema_version":"secwatch.filing_event.v1","accession":"0001654954-23-001031","form_type":"8-K","ticker":"FMBM","cik":"0000740806","company_name":"F&M BANK CORP","filed_at":"2023-01-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.951026+00:00","generated_at":"2026-06-20T06:00:42.183401+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"F&M Bank Corp Q4 net income $1.7M ($0.49/dil) vs $2.3M Q3; loans grow $44M","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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001654954-23-001031","json":"https://secwatch.observer/filing/0001654954-23-001031.json","markdown":"https://secwatch.observer/filing/0001654954-23-001031.md","text":"https://secwatch.observer/filing/0001654954-23-001031.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/740806/000165495423001031/0001654954-23-001031-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/740806/000165495423001031/fmbm_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T06:00:42.183401+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"5bedce24006a676bda61c05d6f4505df23b635ed","claim":"F&M BANK CORP reported the quarter and twelve months ended December 31, 2022 results: net income $1.7 million or $0.49 per common share for the quarter ended December 31, 2022.","evidence_excerpt":"On January 30, 2023, F & M Bank Corp. (the “Company”) issued a press release announcing results for the quarter and twelve months ended December 31, 2022","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/740806/000165495423001031/0001654954-23-001031-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter and twelve months ended December 31, 2022"},{"label":"Net income","value":"$1.7 million or $0.49 per common share for the quarter ended December 31, 2022"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}