---
schema_version: "secwatch.filing_event.v1"
accession: "0001654954-25-004801"
form_type: "8-K"
ticker: "FMBM"
cik: "0000740806"
company_name: "F&M BANK CORP"
filed_at: "2025-04-30T23:59:59+00:00"
generated_at: "2026-05-23T03:00:34.876685+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# F&M Bank Corp Q1 net income $2.5M, EPS $0.70, up 9% from Q4 2024

## Summary
- 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.

## SEC filing metadata
- accession: 0001654954-25-004801
- form_type: 8-K
- ticker: FMBM
- cik: 0000740806
- company_name: F&M BANK CORP
- filed_at: 2025-04-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/740806/000165495425004801/0001654954-25-004801-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/740806/000165495425004801/fmbm_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001654954-25-004801
- JSON: https://secwatch.observer/filing/0001654954-25-004801.json
- Plain text: https://secwatch.observer/filing/0001654954-25-004801.txt

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