# F&m Bank Corp (FMBM)

> Cited company facts from SEC filings, by Steadybase. Web page: https://steadybase.io/company/f-and-m-bank-corp/ JSON: https://steadybase.io/company/f-and-m-bank-corp.json Checked Nov 10, 2026. Latest filing read: Oct 1, 2026.

## Company

- Legal name: F&M BANK CORP
- Ticker: FMBM (OTC)
- SEC CIK: 0000740806
- Industry: State Commercial Banks (SIC 6022)
- Headquarters: Timberville, VA
- Fiscal year ends: December 31
- SEC filer category: Non-accelerated filer<br>Smaller reporting company
- Website: fmbankva.com
- Investor relations: https://www.fmbonline.com/about/investor-relations.html
- LinkedIn: https://www.linkedin.com/company/fmbankva
- Next earnings date: Nov 13, 2026 (estimated from past 8-K timing)

## Key facts

- Revenue: $67.8M for the fiscal year ended Dec 31, 2025 (10-K filed Mar 27, 2026). Source: https://www.sec.gov/Archives/edgar/data/740806/000165495426002891/0001654954-26-002891-index.html
- Net income: $11.2M for the fiscal year ended Dec 31, 2025 (10-K filed Mar 27, 2026). Source: https://www.sec.gov/Archives/edgar/data/740806/000165495426002891/0001654954-26-002891-index.html
- Employees: 173 as of Dec 31, 2025, as reported in an SEC filing. Source: https://www.sec.gov/Archives/edgar/data/740806/000165495426002891/fmbm_10k.htm
- Shares outstanding: 3,586,733 as of Aug 10, 2026 (10-Q filed Aug 13, 2026). Source: https://www.sec.gov/Archives/edgar/data/740806/000165495426007556/0001654954-26-007556-index.html
- Auditor: Elliott Davis, Pllc, Raleigh, North Carolina, named in the latest 10-K. Source: https://www.sec.gov/Archives/edgar/data/740806/000165495426002891/fmbm_10k.htm

## Business

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.

Source: Item 1. Business, https://www.sec.gov/Archives/edgar/data/740806/000165495426002891/fmbm_10k.htm

## Annual results

| Fiscal year ended | Revenue | Net income |
|---|---|---|
| Dec 31, 2025 | $67.8M | $11.2M |
| Dec 31, 2024 | $64.5M | $7.3M |
| Dec 31, 2023 | $56.4M | $2.8M |
| Dec 31, 2022 | $42.1M | $8.3M |
| Dec 31, 2021 | $35.6M | $10.7M |

Each figure comes from the annual report for that year. Filing links for every figure: https://steadybase.io/company/f-and-m-bank-corp.json

## Officers and directors

- Aubrey M. Wilkerson, CEO. Source: 4/A filed Aug 27, 2026, https://www.sec.gov/Archives/edgar/data/740806/000185077826000003/0001850778-26-000003-index.htm
- Lisa F. Campbell, EVP/CFO. LinkedIn: https://linkedin.com/in/lisa-campbell-25755458. Source: 4/A filed Aug 25, 2026, https://www.sec.gov/Archives/edgar/data/740806/000135463126000003/0001354631-26-000003-index.htm
- Barton E. Black, President. LinkedIn: https://linkedin.com/in/barton-black-3b083544. Source: 4/A filed Aug 27, 2026, https://www.sec.gov/Archives/edgar/data/740806/000185108126000004/0001851081-26-000004-index.htm
- Evan S. McHaffa, EVP/Chief Credit Officer. LinkedIn: https://linkedin.com/in/evanmchaffa. Source: 4/A filed Aug 27, 2026, https://www.sec.gov/Archives/edgar/data/740806/000212486326000003/0002124863-26-000003-index.htm
- Melody D. Emswiler, EVP/Chief Human Resources. Source: 4/A filed Aug 26, 2026, https://www.sec.gov/Archives/edgar/data/740806/000191834926000005/0001918349-26-000005-index.htm
- Charles C. Driest, EVP/Chief Experience Officer. Source: 4/A filed Aug 25, 2026, https://www.sec.gov/Archives/edgar/data/740806/000200581426000002/0002005814-26-000002-index.htm
- Paul E. Eberly, EVP/Chief Lending Officer. LinkedIn: https://linkedin.com/in/paul-eberly-9618394a. Source: 4/A filed Aug 25, 2026, https://www.sec.gov/Archives/edgar/data/740806/000185110526000006/0001851105-26-000006-index.htm

## Recent 8-K events

- Nov 5, 2026: Item 8.01, Other events; Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/740806/000165495426009553/fmbm_8k.htm
- Oct 29, 2026: Item 2.02, Results of operations and financial condition (earnings release); Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/740806/000165495426009217/fmbm_8k.htm
- Sep 28, 2026: Item 5.02, Departure or appointment of directors or officers; compensation; Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/740806/000165495426008611/fmbm_8k.htm
- Sep 9, 2026: Item 7.01, Regulation FD disclosure; Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/740806/000165495426008221/fmbm_8k.htm
- Aug 26, 2026: Item 5.02, Departure or appointment of directors or officers; compensation. Source: https://www.sec.gov/Archives/edgar/data/740806/000165495426007883/fmbm_8k.htm
- Jul 30, 2026: Item 2.02, Results of operations and financial condition (earnings release); Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/740806/000165495426007023/fmbm_8k.htm
- Jul 14, 2026: Item 8.01, Other events; Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/740806/000165495426006649/fmbm_8k.htm
- May 27, 2026: Item 5.02, Departure or appointment of directors or officers; compensation; Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/740806/000165495426005428/fmbm_8k.htm
- May 19, 2026: Item 5.07, Submission of matters to a vote of security holders. Source: https://www.sec.gov/Archives/edgar/data/740806/000165495426005093/fmbm_8k.htm
- May 15, 2026: Item 7.01, Regulation FD disclosure; Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/740806/000165495426004946/fmbm_8k.htm

## Insider trades (Form 4)

- Jun 18, 2026: Bret V. Harrison (Director) bought 228 shares, about $8,231. Source: https://www.sec.gov/Archives/edgar/data/740806/000210962726000007/0002109627-26-000007-index.htm
- Jun 18, 2026: Neil A. Houff (Director) bought 171 shares, about $6,173. Source: https://www.sec.gov/Archives/edgar/data/740806/000204274126000002/0002042741-26-000002-index.htm
- Jun 18, 2026: Hannah W. Hutman (Director) bought 171 shares, about $6,173. Source: https://www.sec.gov/Archives/edgar/data/740806/000191842626000003/0001918426-26-000003-index.htm
- Jun 18, 2026: Anne B. Keeler (Director) bought 171 shares, about $6,173. Source: https://www.sec.gov/Archives/edgar/data/740806/000180032726000003/0001800327-26-000003-index.htm
- Jun 18, 2026: Peter H. Wray (Director) bought 171 shares, about $6,173. Source: https://www.sec.gov/Archives/edgar/data/740806/000172349426000002/0001723494-26-000002-index.htm
- Jun 18, 2026: Edward Ray Burkholder (Director) bought 247 shares, about $8,917. Source: https://www.sec.gov/Archives/edgar/data/740806/000165901926000004/0001659019-26-000004-index.htm
- Jun 18, 2026: Christopher S. Runion (Director) bought 171 shares, about $6,173. Source: https://www.sec.gov/Archives/edgar/data/740806/000149198126000004/0001491981-26-000004-index.htm
- Jun 18, 2026: John A. Willingham (Director) bought 77 shares, about $2,780. Source: https://www.sec.gov/Archives/edgar/data/740806/000137582026000002/0001375820-26-000002-index.htm
- May 13, 2026: Paul E. Eberly (EVP/Chief Lending Officer) sold 1,000 shares, about $33,380. Source: https://www.sec.gov/Archives/edgar/data/740806/000185110526000005/0001851105-26-000005-index.htm
- May 12, 2026: Dean W. Withers (Director) bought 2,127 shares, about $73,382. Source: https://www.sec.gov/Archives/edgar/data/740806/000123872426000001/0001238724-26-000001-index.htm
- Mar 19, 2026: Evan S. McHaffa (EVP/Chief Credit Officer) bought 650 shares, about $19,884. Source: https://www.sec.gov/Archives/edgar/data/740806/000212486326000001/0002124863-26-000001-index.htm
- Mar 19, 2026: Bret V. Harrison (Director) bought 269 shares, about $8,229. Source: https://www.sec.gov/Archives/edgar/data/740806/000210962726000006/0002109627-26-000006-index.htm
- Mar 19, 2026: Neil A. Houff (Director) bought 202 shares, about $6,179. Source: https://www.sec.gov/Archives/edgar/data/740806/000204274126000001/0002042741-26-000001-index.htm
- Mar 19, 2026: Charles C. Driest (EVP/Chief Experience Officer) bought 1,524 shares, about $46,619. Source: https://www.sec.gov/Archives/edgar/data/740806/000200581426000001/0002005814-26-000001-index.htm
- Mar 19, 2026: Hannah W. Hutman (Director) bought 202 shares, about $6,179. Source: https://www.sec.gov/Archives/edgar/data/740806/000191842626000002/0001918426-26-000002-index.htm

## Latest filings

- 8-K filed Oct 29, 2026: https://www.sec.gov/Archives/edgar/data/740806/000165495426009217/fmbm_8k.htm
- 10-K filed Mar 27, 2026: https://www.sec.gov/Archives/edgar/data/740806/000165495426002891/fmbm_10k.htm
- 10-Q filed Aug 13, 2026: https://www.sec.gov/Archives/edgar/data/740806/000165495426007556/fmbm_10q.htm
- DEF 14A filed Apr 13, 2026: https://www.sec.gov/Archives/edgar/data/740806/000165495426003452/fmbm_def14a.htm

## About this data

SEC EDGAR filings, read by Steadybase. Every value links to the filing it came from.
Steadybase covers US-headquartered public companies that file with the SEC. API and MCP access: https://steadybase.io/docs/