[Form 4] F&M BANK CORP Insider Trading Activity

Rhea-AI Filing Summary

Hannah W. Hutman, a director of F&M Bank Corp (FMBM), reported a transaction on 09/18/2025. The Form 4 shows she acquired 238 shares of the issuer's common stock at a reported price of $25.92 per share, bringing her total beneficial ownership to 3,030 shares. The filing notes the shares were acquired from the issuer using proceeds of a quarterly retainer. The Form is an individual filing and was signed by an attorney-in-fact, Candy F. Barkley, on behalf of the reporting person.

Positive

• Director increased ownership by 238 shares, raising total beneficial holdings to 3,030 shares
• Transaction tied to compensation (shares issued with proceeds of a quarterly retainer), indicating routine corporate governance practice

Negative

• None.

Insights

Corporate Governance Expert

TL;DR: Director received compensation in stock, modest increase in insider ownership.

The Form 4 documents a routine compensation-related issuance: 238 shares issued to a director in lieu of cash using quarterly retainer proceeds. This increases the director's stake to 3,030 shares, which appears procedural rather than signaling a material change in control or strategy. The filing is an individual disclosure and follows Section 16 reporting conventions; transaction pricing at $25.92 is explicitly stated. No derivative transactions or amendments are reported.

Securities Compliance Analyst

TL;DR: Filing shows standard Section 16 disclosure for compensation settlement.

The entry code 'P' and the explanatory note clarify the shares were issued by the issuer to settle a retainer, consistent with standard director compensation practices. The signature by an attorney-in-fact is properly included. There are no indications of joint filings, indirect ownership structures, option exercises, or disposals in this Form 4, limiting material investor impact.

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

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OMB Number:			3235-0287
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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person^*

Hutman Hannah W.

(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)
09/18/2025

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	09/18/2025		P		238(1)	A	$25.92	3,030	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 the issuer with proceeds of a quarterly retainer.

	/s/ Candy F. Barkley, Attorney-in-Fact	09/18/2025
	** 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.

FAQ

What did Hannah W. Hutman report on Form 4 for FMBM?

She reported acquiring 238 shares of F&M Bank Corp common stock on 09/18/2025 at a price of $25.92 per share, bringing her beneficial ownership to 3,030 shares.

Why were the 238 shares issued to the director in the FMBM Form 4?

The Form 4 states the shares were acquired from the issuer using proceeds of a quarterly retainer, indicating the issuance was to settle director compensation.

Was the Form 4 filing for FMBM submitted jointly or individually?

The filing is marked as an individual filing (Form filed by One Reporting Person).

Who signed the Form 4 for Hannah W. Hutman?

The Form 4 was signed by Candy F. Barkley, Attorney-in-Fact on 09/18/2025.

Does the Form 4 for FMBM show any derivative transactions or dispositions?

No. Table II for derivative securities shows no entries, and Table I reports only the acquisition of 238 common shares.