F&M Bank director acquires shares through board retainer

A director of F&M Bank Corp reported a small stock purchase in a Form 4 insider transaction filing.

Rhea-AI Filing Summary

A director of F&M Bank Corp reported a small stock purchase in a Form 4 insider transaction filing. On 12/18/2025, the director acquired 218 shares of F&M Bank Corp common stock at a price of $28.25 per share. The filing shows the transaction code "P," indicating a purchase, and the shares are held as a direct ownership position.

Following this transaction, the director beneficially owns 1,761 shares of F&M Bank Corp common stock directly. The explanation notes that the shares were acquired from the issuer using the proceeds of a quarterly retainer, meaning the director effectively took part of board compensation in stock rather than cash.

Insider Trade Summary

Net Buyer: 218 shares

Net Buy 1 txn

Insider Houff Neil A.

Role Director

Bought 218 shs ($6K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	218	$28.25	$6K

Holdings After Transaction: Common Stock — 1,761 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 did FMBM report in this Form 4 filing?

The filing reports that a director of F&M Bank Corp purchased 218 shares of the company’s common stock on 12/18/2025, coded as a "P" (purchase) transaction.

At what price were the FMBM shares acquired by the director?

The director acquired the 218 shares of F&M Bank Corp common stock at a price of $28.25 per share.

How many FMBM shares does the director own after this transaction?

After the reported transaction, the director beneficially owns 1,761 shares of F&M Bank Corp common stock in a direct ownership capacity.

How were the FMBM shares obtained according to the Form 4 explanation?

The explanation states that the shares were acquired from the issuer using the proceeds of a quarterly retainer, indicating the director took part of board compensation in stock.

What is the relationship of the reporting person to F&M Bank Corp (FMBM)?

The reporting person is identified as a director of F&M Bank Corp and filed the Form 4 as a single reporting person.

Is this FMBM Form 4 filed by one insider or a group?

The filing indicates it is a Form filed by one reporting person, not a joint or group filing.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 12/19/2025 - 04:05 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^*

Houff Neil 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		218(1)	A	$28.25	1,761	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.