F&M Bank Corp director acquires 91 shares of company stock

A director of F&M Bank Corp reported a small open-market purchase of company stock.

Rhea-AI Filing Summary

A director of F&M Bank Corp reported a small open-market purchase of company stock. On 12/18/2025, the director bought 91 shares of F&M Bank Corp common stock at a price of $28.25 per share. After this transaction, the director beneficially owned 20,850 shares, held directly. The filing notes that these shares were acquired from the issuer using the proceeds of a quarterly retainer, meaning the director effectively took part of their board compensation in stock rather than cash.

Insider Trade Summary

Net Buyer: 91 shares

Net Buy 1 txn

Insider Willingham John A.

Role Director

Bought 91 shs ($3K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	91	$28.25	$3K

Holdings After Transaction: Common Stock — 20,850 shares (Direct)

Footnotes (1)

1. F1. Shares acquired from issuer with proceeds of a quarterly retainer.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction at F&M Bank Corp (FMBM) is disclosed in this Form 4?

The filing reports that a director of F&M Bank Corp acquired 91 shares of common stock on 12/18/2025 at $28.25 per share.

How many F&M Bank Corp (FMBM) shares does the reporting person own after this transaction?

Following the reported transaction, the director beneficially owned 20,850 shares of F&M Bank Corp common stock, held in direct ownership.

What was the purpose or source of funds for the F&M Bank Corp (FMBM) share acquisition?

The explanation states that the shares were acquired from the issuer with proceeds of a quarterly retainer, indicating the director used board retainer compensation to acquire stock.

What type of security did the F&M Bank Corp (FMBM) director acquire?

The reporting person acquired common stock of F&M Bank Corp, as shown in Table I - Non-Derivative Securities.

Were any derivative securities reported in this F&M Bank Corp (FMBM) Form 4?

Table II for derivative securities is included but does not list any derivative transactions in the provided content.

Was the F&M Bank Corp (FMBM) director’s Form 4 filed as an individual or joint filing?

The form was indicated as filed by one reporting person, not as a joint or group filing.

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Accepted by SEC EDGAR 12/19/2025 - 04:46 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Willingham John A.

(Last) (First) (Middle)

C/O F&M BANK

205 SOUTH MAIN STREET

(Street)

TIMBERVILLE VA 22853

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
F&M BANK CORP [ fmbm ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
12/18/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	12/18/2025		P		91(1)	A	$28.25	20,850	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Shares acquired from issuer with proceeds of a quarterly retainer.

	/s/ Candy F. Barkley, Attorney-in-Fact	12/19/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.