Continued earnings momentum and NIM expansion support positive sentiment. Monitor expense growth (noninterest expenses up 8.3% QoQ) and loan growth trajectory in upcoming quarters. Dividend yield of ~3.3% provides downside support.
Price Chart
Executive Summary
F&M Bank Corp. reported Q1 2026 net income of $3.23M ($0.91 per share), up 31.3% YoY from $2.46M ($0.70), driven by net interest margin expansion to 3.56% (up 41 bps YoY) and strong loan/deposit growth. Asset quality improved with NPLs falling to 0.54% of loans. The board declared a $0.26 quarterly dividend.
Key Financial Metrics
Key Facts
- Net income Q1 2026: $3.226M, EPS $0.91 vs $0.70 in Q1 2025 (+31.3% YoY)
- Net interest margin expanded to 3.56% from 3.15% a year ago
- Total assets grew 2.6% QoQ to $1.41B; loans +1.2%, deposits +2.4%
- Non-performing assets ratio improved to 0.34% from 0.69% YoY
- Dividend maintained at $0.26/share, payable May 29, 2026
Financial Impact
Net income increased $769k YoY and $343k QoQ; book value per share rose 17% YoY to $29.98
Risk Factors
- Noninterest expenses increased $851k QoQ (mostly comp and professional fees)
- Unrealized losses on securities rose to $21.8M (from $21.0M at Q4 2025)
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001654954-26-004059 |
| Document: fmbm_8k.htm | 0001654954-26-004059 |
| Document: 0001654954-26-004059-index-headers.html | 0001654954-26-004059 |
| Document: 0001654954-26-004059-index.html | 0001654954-26-004059 |
| Document: 0001654954-26-004059.txt | 0001654954-26-004059 |
| 8-K Data (Synthetic) | 0001654954-26-004059 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Sep 9, 2026 6w ago | 8-K | $40.19 | awaiting T+60 | — | $40.60 (+1.02%) |
Jul 30, 2026 12w ago | 8-K | $40.00 $40.95 | ▲ +2.38% | ▼ −0.34% | $40.60 (+1.50%) |
Jul 14, 2026 15w ago | 8-K | $38.40 $40.93 | ▲ +6.59% | ▲ +2.95% | $40.60 (+5.73%) |
May 15, 2026 23w ago | 8-K | $34.23 $40.10 | ▲ +17.15% | ▲ +12.63% | $40.60 (+18.61%) |
May 5, 2026 25w ago | 8-K | $33.00 $39.55 | ▲ +19.85% | ▲ +17.11% | $40.60 (+23.03%) |
Apr 29, 2026 25w ago | 8-K | $31.48 $39.54 | ▲ +25.60% | ▲ +21.49% | $40.60 (+28.97%) |
Mar 27, 2026 30w ago | Insider Cluster | $29.97 $35.87 | ▲ +19.65% | ▲ +3.72% | $40.60 (+35.45%) |
Mar 27, 2026 30w ago | Insider Cluster | $29.97 $35.87 | ▲ +19.65% | ▲ +3.72% | $40.60 (+35.45%) |
Mar 27, 2026 30w ago | Insider Cluster | $29.97 $35.87 | ▲ +19.65% | ▲ +3.72% | $40.60 (+35.45%) |
Mar 27, 2026 30w ago | Insider Cluster | $29.97 $35.87 | ▲ +19.65% | ▲ +3.72% | $40.60 (+35.45%) |
US Market Status
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