secwatch.observer — SEC 8-K summary
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Issuer:     F&M BANK CORP (FMBM)
CIK:        0000740806
Form:       8-K
Filed at:   2026-02-02T23:59:59+00:00
Accession:  0001654954-26-000812
Event type: earnings
Sentiment:  positive
Materiality: 0.55
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/740806/000165495426000812/0001654954-26-000812-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/740806/000165495426000812/fmbm_8k.htm
  HTML page:      https://secwatch.observer/filing/0001654954-26-000812

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer