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Fourthstone LLC and affiliated funds filed an amended Schedule 13G reporting beneficial ownership of F&M Bank Corp common stock. Fourthstone, as a registered investment adviser, holds 319,335 shares of common stock on behalf of its advisory clients, representing 8.97% of the outstanding class.
The ownership percentages are based on 3,559,157 shares of F&M Bank Corp common stock outstanding as of May 11, 2026. Voting and dispositive power over these shares is reported on a shared basis among Fourthstone entities and L. Phillip Stone. The reporting group states the securities were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of the issuer.
F & M Bank Corp. reported higher earnings for the period ended June 30, 2026. Total assets were $1.40 billion, up from $1.37 billion at December 31, 2025, driven mainly by loan growth to $925.9 million from $886.8 million.
For the three months ended June 30, 2026, net interest income rose to $12.3 million and net income increased to $5.4 million, or $1.50 diluted EPS, compared with $3.0 million, or $0.83 diluted EPS, a year earlier. For the first half of 2026, net income was $8.6 million versus $5.4 million in 2025, with diluted EPS of $2.41.
Results included a one-time pre-tax gain of $4.8 million on the sale of Bearing Insurance and a $3.5 million pre-tax loss on securities sold in a bond portfolio restructuring, for a net pre-tax gain of $1.3 million. Nonaccrual loans declined to $3.7 million from $6.0 million, while the allowance for credit losses on loans increased to $8.1 million. Cash dividends remained at $0.26 per share for the quarter and $0.52 year-to-date.
F&M Bank Corp. reported significantly higher earnings for the three and six months ended June 30, 2026, aided by two non‑recurring transactions and stronger core performance. The company recorded a one‑time pre‑tax gain of $4.8 million from the sale of Bearing Insurance and a pre‑tax loss of about $3.5 million on a bond portfolio restructuring, for a net pre‑tax gain of $1.3 million.
Second‑quarter 2026 net income was $5.37 million, or $1.50 per diluted share, up from $3.23 million ($0.91 per diluted share) in first quarter 2026 and $2.97 million ($0.83 per diluted share) a year earlier. Net interest income rose to $12.33 million, with net interest margin improving to 3.79%. Total assets reached $1.40 billion, loans held for investment $925.3 million, and deposits $1.26 billion, all higher than at year‑end 2025.
Asset quality improved, with nonperforming assets declining to $3.95 million, or 0.28% of total assets, and net charge‑offs at 0.06% of average loans. Book value per share increased to $31.56 and tangible book value per share to $30.68. The board declared a quarterly dividend of $0.26 per share, a 2.63% annualized yield based on a $39.54 share price.
F&M Bank Corp. used a one-time, after-tax gain of $3.8 million from the April 30, 2026 sale of its investment in Bearing Insurance Group, Inc. to support a restructuring of its available-for-sale securities portfolio completed in June 2026. The company sold $29.8 million of securities with a weighted average yield of 1.66%, about 8.2% of its total securities portfolio, and purchased approximately $29.4 million of higher-yielding securities at about 4.92%.
The restructuring produced a one-time, pre-tax loss of about $3.5 million, or $2.7 million after tax, which is expected to be recovered over roughly three-and-a-half years. Management expects the changes to increase annualized earnings per share by about $0.21 and improve net interest margin by around 6 basis points, with no impact on total consolidated equity or tangible book value per share. Together, the Bearing sale and the portfolio restructuring result in a net pre-tax gain of $1.3 million, both components to be recognized in second quarter 2026 results.
F&M Bank Corp director John A. Willingham reported a small open-market share purchase. On June 18, 2026, he bought 77 shares of Common Stock at $36.10 per share.
Following this transaction, Willingham directly owns 21,018 shares of F&M Bank Corp Common Stock, as reported in the Form 4.
F&M Bank Corp director Peter H. Wray made an open-market purchase of Common Stock. On June 18, 2026, he bought 171 shares at $36.10 per share. After this transaction, he directly holds 7,745 shares of F&M Bank Corp common stock.
F&M Bank Corp director Christopher S. Runion made an open-market purchase of Common Stock. He bought 171 shares on June 18, 2026 at $36.10 per share, increasing his direct holdings to 9,088 shares. He also has 2,402 shares held indirectly through a Heifer Investment corporate account.
F&M Bank Corp director Anne B. Keeler purchased 171 shares of Common Stock in an open-market transaction at $36.10 per share. After this purchase on June 18, 2026, she directly owns a total of 3,411 shares of the company’s common stock.
F&M Bank Corp director Hannah W. Hutman made an open-market purchase of the company’s Common Stock. On June 18, 2026, she bought 171 shares at $36.10 per share, increasing her direct holdings to 4,106 shares. This is a relatively small, routine insider purchase.
F&M Bank Corp director Neil A. Houff reported an open-market purchase of common stock. On this transaction date, he bought 171 shares of F&M Bank Corp common stock at a price of $36.10 per share. After this purchase, his directly held position increased to 2,134 shares.