F&M Bank Q3 net income $792K ($0.23) vs $1.0M YoY; hit by $734K one-time charges

F&M BANK CORP

2026-Q3 EPS reported $1.44

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).

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