---
schema_version: "secwatch.filing_event.v1"
accession: "0001654954-25-000936"
form_type: "8-K"
ticker: "FMBM"
cik: "0000740806"
company_name: "F&M BANK CORP"
filed_at: "2025-01-30T23:59:59+00:00"
generated_at: "2026-05-27T06:08:20.793673+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# F&M Bank Corp posts $0.64 Q4 EPS, FY net income up 163% to $7.3M

## Summary
- 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.

## SEC filing metadata
- accession: 0001654954-25-000936
- form_type: 8-K
- ticker: FMBM
- cik: 0000740806
- company_name: F&M BANK CORP
- filed_at: 2025-01-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/740806/000165495425000936/0001654954-25-000936-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/740806/000165495425000936/fmbm_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001654954-25-000936
- JSON: https://secwatch.observer/filing/0001654954-25-000936.json
- Plain text: https://secwatch.observer/filing/0001654954-25-000936.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.