{"schema_version":"secwatch.filing_event.v1","accession":"0001654954-24-014252","form_type":"8-K","ticker":"FMBM","cik":"0000740806","company_name":"F&M BANK CORP","filed_at":"2024-11-13T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.952738+00:00","generated_at":"2026-05-30T01:24:02.900868+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"F&M Bank Q3 net income $792K ($0.23) vs $1.0M YoY; hit by $734K one-time charges","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)."],"urls":{"canonical":"https://secwatch.observer/filing/0001654954-24-014252","json":"https://secwatch.observer/filing/0001654954-24-014252.json","markdown":"https://secwatch.observer/filing/0001654954-24-014252.md","text":"https://secwatch.observer/filing/0001654954-24-014252.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/740806/000165495424014252/0001654954-24-014252-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/740806/000165495424014252/fmbm_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T01:24:02.900868+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}