{ "name": "F&m Bank Corp", "legal_name": "F&M BANK CORP", "ticker": "FMBM", "tickers": [ "FMBM" ], "cik": "0000740806", "page_url": "https://steadybase.io/company/f-and-m-bank-corp/", "markdown_url": "https://steadybase.io/company/f-and-m-bank-corp.md", "json_url": "https://steadybase.io/company/f-and-m-bank-corp.json", "as_of": "2026-11-10", "last_filed": "2026-10-01", "industry": { "sic": "6022", "description": "State Commercial Banks" }, "headquarters": { "city": "Timberville", "state": "VA", "country": "US" }, "exchanges": [ "OTC" ], "fiscal_year_end": "December 31", "filer_category": "Non-accelerated filer
Smaller reporting company", "state_of_incorporation": "VA", "website": "fmbankva.com", "investor_relations_url": "https://www.fmbonline.com/about/investor-relations.html", "linkedin_company_url": "https://www.linkedin.com/company/fmbankva", "summary": { "text": "F & M Bank Corp. (the “Company”), incorporated in Virginia in 1983, is a one-bank holding company under the Bank Holding Company Act of 1956 that has elected to become a financial holding company. The Company owns 100% of the outstanding stock of its banking subsidiary, Farmers & Merchants Bank (“Bank”) and VSTitle, LLC (“VST”). VBS Mortgage, LLC (“F&M Mortgage”), is a wholly owned subsidiary of the Bank. Effective on May 15, 2025, the operations, assets, and liabilities of VBS Mortgage, LLC (dba “F&M Mortgage”) were transferred to the Bank. Farmers & Merchants Financial Services, Inc.", "section": "Item 1. Business", "period_end": "2025-12-31", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426002891/fmbm_10k.htm" }, "key_facts": [ { "key": "revenue", "label": "Revenue", "value": 67750000, "unit": "USD", "period_start": "2025-01-01", "period_end": "2025-12-31", "basis": "filing_fact", "form": "10-K", "filed": "2026-03-27", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426002891/0001654954-26-002891-index.html", "text": "Revenue: $67.8M for the fiscal year ended Dec 31, 2025 (10-K filed Mar 27, 2026)." }, { "key": "net_income", "label": "Net income", "value": 11229000, "unit": "USD", "period_start": "2025-01-01", "period_end": "2025-12-31", "basis": "filing_fact", "form": "10-K", "filed": "2026-03-27", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426002891/0001654954-26-002891-index.html", "text": "Net income: $11.2M for the fiscal year ended Dec 31, 2025 (10-K filed Mar 27, 2026)." }, { "key": "employees", "label": "Employees", "value": 173, "unit": "people", "period_end": "2025-12-31", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426002891/fmbm_10k.htm", "text": "Employees: 173 as of Dec 31, 2025, as reported in an SEC filing." }, { "key": "shares_outstanding", "label": "Shares outstanding", "value": 3586733, "unit": "shares", "period_end": "2026-08-10", "form": "10-Q", "filed": "2026-08-13", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426007556/0001654954-26-007556-index.html", "text": "Shares outstanding: 3,586,733 as of Aug 10, 2026 (10-Q filed Aug 13, 2026)." }, { "key": "auditor", "label": "Auditor", "value": "Elliott Davis, Pllc", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426002891/fmbm_10k.htm", "text": "Auditor: Elliott Davis, Pllc, Raleigh, North Carolina, named in the latest 10-K." } ], "metrics": { "revenue": [ { "period_start": "2025-01-01", "period_end": "2025-12-31", "value": 67750000, "unit": "USD", "basis": "filing_fact", "form": "10-K", "filed": "2026-03-27", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426002891/0001654954-26-002891-index.html" }, { "period_start": "2024-01-01", "period_end": "2024-12-31", "value": 64483000, "unit": "USD", "basis": "filing_fact", "form": "10-K", "filed": "2026-03-27", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426002891/0001654954-26-002891-index.html" }, { "period_start": "2023-01-01", "period_end": "2023-12-31", "value": 56411000, "unit": "USD", "basis": "filing_fact", "form": "10-K", "filed": "2025-03-28", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495425003506/0001654954-25-003506-index.html" }, { "period_start": "2022-01-01", "period_end": "2022-12-31", "value": 42139000, "unit": "USD", "basis": "filing_fact", "form": "10-K", "filed": "2024-03-27", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495424003726/0001654954-24-003726-index.html" }, { "period_start": "2021-01-01", "period_end": "2021-12-31", "value": 35576000, "unit": "USD", "basis": "filing_fact", "form": "10-K", "filed": "2023-03-22", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495423003359/0001654954-23-003359-index.html" } ], "net_income": [ { "period_start": "2025-01-01", "period_end": "2025-12-31", "value": 11229000, "unit": "USD", "basis": "filing_fact", "form": "10-K", "filed": "2026-03-27", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426002891/0001654954-26-002891-index.html" }, { "period_start": "2024-01-01", "period_end": "2024-12-31", "value": 7285000, "unit": "USD", "basis": "filing_fact", "form": "10-K", "filed": "2026-03-27", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426002891/0001654954-26-002891-index.html" }, { "period_start": "2023-01-01", "period_end": "2023-12-31", "value": 2771000, "unit": "USD", "basis": "filing_fact", "form": "10-K", "filed": "2025-03-28", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495425003506/0001654954-25-003506-index.html" }, { "period_start": "2022-01-01", "period_end": "2022-12-31", "value": 8318000, "unit": "USD", "basis": "filing_fact", "form": "10-K", "filed": "2024-03-27", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495424003726/0001654954-24-003726-index.html" }, { "period_start": "2021-01-01", "period_end": "2021-12-31", "value": 10738000, "unit": "USD", "basis": "filing_fact", "form": "10-K", "filed": "2023-03-22", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495423003359/0001654954-23-003359-index.html" } ] }, "next_earnings": { "date": "2026-11-13", "confidence": "estimate", "webcast_url": null }, "people": [ { "name": "Aubrey M. Wilkerson", "title": "CEO", "role": "both", "linkedin_url": null, "form": "4/A", "filed": "2026-08-27", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000185077826000003/0001850778-26-000003-index.htm" }, { "name": "Lisa F. Campbell", "title": "EVP/CFO", "role": "officer", "linkedin_url": "https://linkedin.com/in/lisa-campbell-25755458", "form": "4/A", "filed": "2026-08-25", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000135463126000003/0001354631-26-000003-index.htm" }, { "name": "Barton E. Black", "title": "President", "role": "officer", "linkedin_url": "https://linkedin.com/in/barton-black-3b083544", "form": "4/A", "filed": "2026-08-27", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000185108126000004/0001851081-26-000004-index.htm" }, { "name": "Evan S. McHaffa", "title": "EVP/Chief Credit Officer", "role": "officer", "linkedin_url": "https://linkedin.com/in/evanmchaffa", "form": "4/A", "filed": "2026-08-27", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000212486326000003/0002124863-26-000003-index.htm" }, { "name": "Melody D. Emswiler", "title": "EVP/Chief Human Resources", "role": "officer", "linkedin_url": null, "form": "4/A", "filed": "2026-08-26", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000191834926000005/0001918349-26-000005-index.htm" }, { "name": "Charles C. Driest", "title": "EVP/Chief Experience Officer", "role": "officer", "linkedin_url": null, "form": "4/A", "filed": "2026-08-25", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000200581426000002/0002005814-26-000002-index.htm" }, { "name": "Paul E. Eberly", "title": "EVP/Chief Lending Officer", "role": "officer", "linkedin_url": "https://linkedin.com/in/paul-eberly-9618394a", "form": "4/A", "filed": "2026-08-25", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000185110526000006/0001851105-26-000006-index.htm" } ], "events_8k": [ { "filed": "2026-11-05", "items": [ { "item": "8.01", "label": "Other events", "signal": "other" }, { "item": "9.01", "label": "Financial statements and exhibits", "signal": "exhibits" } ], "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426009553/fmbm_8k.htm" }, { "filed": "2026-10-29", "items": [ { "item": "2.02", "label": "Results of operations and financial condition (earnings release)", "signal": "earnings" }, { "item": "9.01", "label": "Financial statements and exhibits", "signal": "exhibits" } ], "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426009217/fmbm_8k.htm" }, { "filed": "2026-09-28", "items": [ { "item": "5.02", "label": "Departure or appointment of directors or officers; compensation", "signal": "leadership_change" }, { "item": "9.01", "label": "Financial statements and exhibits", "signal": "exhibits" } ], "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426008611/fmbm_8k.htm" }, { "filed": "2026-09-09", "items": [ { "item": "7.01", "label": "Regulation FD disclosure", "signal": "disclosure" }, { "item": "9.01", "label": "Financial statements and exhibits", "signal": "exhibits" } ], "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426008221/fmbm_8k.htm" }, { "filed": "2026-08-26", "items": [ { "item": "5.02", "label": "Departure or appointment of directors or officers; compensation", "signal": "leadership_change" } ], "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426007883/fmbm_8k.htm" }, { "filed": "2026-07-30", "items": [ { "item": "2.02", "label": "Results of operations and financial condition (earnings release)", "signal": "earnings" }, { "item": "9.01", "label": "Financial statements and exhibits", "signal": "exhibits" } ], "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426007023/fmbm_8k.htm" }, { "filed": "2026-07-14", "items": [ { "item": "8.01", "label": "Other events", "signal": "other" }, { "item": "9.01", "label": "Financial statements and exhibits", "signal": "exhibits" } ], "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426006649/fmbm_8k.htm" }, { "filed": "2026-05-27", "items": [ { "item": "5.02", "label": "Departure or appointment of directors or officers; compensation", "signal": "leadership_change" }, { "item": "9.01", "label": "Financial statements and exhibits", "signal": "exhibits" } ], "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426005428/fmbm_8k.htm" }, { "filed": "2026-05-19", "items": [ { "item": "5.07", "label": "Submission of matters to a vote of security holders", "signal": "governance" } ], "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426005093/fmbm_8k.htm" }, { "filed": "2026-05-15", "items": [ { "item": "7.01", "label": "Regulation FD disclosure", "signal": "disclosure" }, { "item": "9.01", "label": "Financial statements and exhibits", "signal": "exhibits" } ], "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426004946/fmbm_8k.htm" } ], "insider_trades": [ { "owner": "Bret V. Harrison", "role": "Director", "action": "bought", "code": "P", "shares": 228, "value_usd": 8231, "date": "2026-06-18", "filed": "2026-06-22", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000210962726000007/0002109627-26-000007-index.htm" }, { "owner": "Neil A. Houff", "role": "Director", "action": "bought", "code": "P", "shares": 171, "value_usd": 6173, "date": "2026-06-18", "filed": "2026-06-22", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000204274126000002/0002042741-26-000002-index.htm" }, { "owner": "Hannah W. Hutman", "role": "Director", "action": "bought", "code": "P", "shares": 171, "value_usd": 6173, "date": "2026-06-18", "filed": "2026-06-22", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000191842626000003/0001918426-26-000003-index.htm" }, { "owner": "Anne B. Keeler", "role": "Director", "action": "bought", "code": "P", "shares": 171, "value_usd": 6173, "date": "2026-06-18", "filed": "2026-06-22", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000180032726000003/0001800327-26-000003-index.htm" }, { "owner": "Peter H. Wray", "role": "Director", "action": "bought", "code": "P", "shares": 171, "value_usd": 6173, "date": "2026-06-18", "filed": "2026-06-22", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000172349426000002/0001723494-26-000002-index.htm" }, { "owner": "Edward Ray Burkholder", "role": "Director", "action": "bought", "code": "P", "shares": 247, "value_usd": 8917, "date": "2026-06-18", "filed": "2026-06-22", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165901926000004/0001659019-26-000004-index.htm" }, { "owner": "Christopher S. Runion", "role": "Director", "action": "bought", "code": "P", "shares": 171, "value_usd": 6173, "date": "2026-06-18", "filed": "2026-06-22", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000149198126000004/0001491981-26-000004-index.htm" }, { "owner": "John A. Willingham", "role": "Director", "action": "bought", "code": "P", "shares": 77, "value_usd": 2780, "date": "2026-06-18", "filed": "2026-06-22", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000137582026000002/0001375820-26-000002-index.htm" }, { "owner": "Paul E. Eberly", "role": "EVP/Chief Lending Officer", "action": "sold", "code": "S", "shares": 1000, "value_usd": 33380, "date": "2026-05-13", "filed": "2026-08-19", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000185110526000005/0001851105-26-000005-index.htm" }, { "owner": "Dean W. Withers", "role": "Director", "action": "bought", "code": "P", "shares": 2127, "value_usd": 73382, "date": "2026-05-12", "filed": "2026-05-13", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000123872426000001/0001238724-26-000001-index.htm" }, { "owner": "Evan S. McHaffa", "role": "EVP/Chief Credit Officer", "action": "bought", "code": "P", "shares": 650, "value_usd": 19884, "date": "2026-03-19", "filed": "2026-03-27", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000212486326000001/0002124863-26-000001-index.htm" }, { "owner": "Bret V. Harrison", "role": "Director", "action": "bought", "code": "P", "shares": 269, "value_usd": 8229, "date": "2026-03-19", "filed": "2026-03-23", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000210962726000006/0002109627-26-000006-index.htm" }, { "owner": "Neil A. Houff", "role": "Director", "action": "bought", "code": "P", "shares": 202, "value_usd": 6179, "date": "2026-03-19", "filed": "2026-03-23", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000204274126000001/0002042741-26-000001-index.htm" }, { "owner": "Charles C. Driest", "role": "EVP/Chief Experience Officer", "action": "bought", "code": "P", "shares": 1524, "value_usd": 46619, "date": "2026-03-19", "filed": "2026-03-23", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000200581426000001/0002005814-26-000001-index.htm" }, { "owner": "Hannah W. Hutman", "role": "Director", "action": "bought", "code": "P", "shares": 202, "value_usd": 6179, "date": "2026-03-19", "filed": "2026-03-23", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000191842626000002/0001918426-26-000002-index.htm" } ], "quotes": [], "latest_filings": [ { "form": "8-K", "filed": "2026-10-29", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426009217/fmbm_8k.htm" }, { "form": "10-K", "filed": "2026-03-27", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426002891/fmbm_10k.htm" }, { "form": "10-Q", "filed": "2026-08-13", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426007556/fmbm_10q.htm" }, { "form": "DEF 14A", "filed": "2026-04-13", "source_url": "https://www.sec.gov/Archives/edgar/data/740806/000165495426003452/fmbm_def14a.htm" } ], "source": "SEC EDGAR filings, read by Steadybase. Every value links to the filing it came from." }