---
schema_version: "secwatch.filing_event.v1"
accession: "0001654954-26-004059"
form_type: "8-K"
ticker: "FMBM"
cik: "0000740806"
company_name: "F&M BANK CORP"
filed_at: "2026-04-29T23:59:59+00:00"
generated_at: "2026-05-15T02:33:05.204613+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# F&M Bank Q1 net income $3.23M ($0.91 EPS), up 31% YoY; dividend $0.26 declared

## Summary
- Net income $3.23M, EPS $0.91; up 31.3% YoY from $0.70. ROAA 0.94%, ROAE 12.18%.
- Net interest margin expanded to 3.56% from 3.15% YoY; net interest income $11.43M (+21% YoY).
- Total assets $1.41B (+2.6% linked quarter); loans $896.9M, deposits $1.28B (+2.4% each).
- Non-performing assets down 46% YoY to $4.85M (0.34% of assets); provision for credit losses $309K.
- Quarterly dividend $0.26/share, payable May 29, 2026, record May 15, 2026, ~3.31% annualized yield.

## SEC filing metadata
- accession: 0001654954-26-004059
- form_type: 8-K
- ticker: FMBM
- cik: 0000740806
- company_name: F&M BANK CORP
- filed_at: 2026-04-29T23:59:59+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/740806/000165495426004059/0001654954-26-004059-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/740806/000165495426004059/fmbm_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001654954-26-004059
- JSON: https://secwatch.observer/filing/0001654954-26-004059.json
- Plain text: https://secwatch.observer/filing/0001654954-26-004059.txt

## Key facts
- Earnings Releases
  F&M BANK CORP reported the quarter ended March 31, 2026 results: net income $3.23 million, EPS $0.91 per share.
  - Period: the quarter ended March 31, 2026
  - Net income: $3.23 million
  - EPS: $0.91 per share
  - Result: reported results
  source text: Net income was $3.23 million, or $0.91 per share, for first quarter 2026
  evidence_url: https://www.sec.gov/Archives/edgar/data/740806/000165495426004059/0001654954-26-004059-index.htm

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