F&M Bank Corp reports record 2025 net income of $11.2M, up 53% YoY

F&M BANK CORP

2025-FY EPS reported $3.16

Net income of $11.2M ($3.16/share) for 2025, a record, up $3.9M from $7.3M ($2.07/share) in 2024.
Net interest margin rose 57bps to 3.35%; earning asset yield 5.46%, cost of funds 2.15%.
Total assets grew 5.5% to $1.37B; loans $886.3M (+5.5%), deposits $1.25B (+4.2%).
Book value per share up 20.6% to $29.46; tangible book value $28.58.
Quarterly dividend declared $0.26/share, payable March 2 to holders of record Feb 14, 3.40% annual yield.

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