F&M Bank (FMBM) Director Converts Retainer into 238 Shares on 09/18/2025

Q: When did the FMBM insider transaction occur?

The transaction date reported is 09/18/2025 .

Q: How many shares did Neil A. Houff acquire in the Form 4 filing?

The filing reports acquisition of 238 shares of common stock.

Q: At what price were the shares acquired according to the Form 4?

The reported price per share was $25.92 .

Q: What was Neil A. Houff's beneficial ownership after the reported transaction?

Following the transaction, he beneficially owned 1,543 shares directly.

Q: Who signed or submitted the Form 4 on behalf of the reporting person?

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

Filing Impact

(Neutral)

Filing Sentiment

(Neutral)

Form Type

Rhea-AI Filing Summary

Neil A. Houff, a director of F&M Bank Corp (ticker: FMBM), reported a purchase of 238 shares of the issuer's common stock on 09/18/2025 at a price of $25.92 per share. After the transaction, Mr. Houff beneficially owned 1,543 shares directly. The filing states the shares were acquired from the issuer using proceeds of a quarterly retainer. The Form 4 was submitted by an attorney-in-fact, Candy F. Barkley, on behalf of the reporting person.

Positive

Director received equity compensation through conversion of a quarterly retainer, which can align interests with shareholders
Transaction disclosed promptly on Form 4 with specific price and resulting ownership, supporting transparency

Negative

None.

Insights

TL;DR: Routine director compensation converted into stock; signals alignment without material change to control.

The transaction reflects a director receiving equity as part of routine compensation, converting a quarterly retainer into 238 common shares. This is a common governance practice to align directors with shareholders and does not indicate a change in board composition or control. The post-transaction holding of 1,543 shares remains modest in absolute terms and is presented as a direct beneficial ownership.

TL;DR: Small, routine insider purchase at $25.92 per share; immaterial to company capitalization or liquidity.

The Form 4 reports a non-derivative acquisition by a director of 238 shares at $25.92 each, executed via a retainer conversion. Such transactions are typically administrative and small relative to most bank market caps. There is no indication of additional insider buying, selling, or option activity in this filing, and the filing does not disclose any material financial impact on the issuer.

Insider Trade Summary

Net Buyer: 238 shares ($6,169)

Net Buy 1 txn

Insider Houff Neil A.

Role Director

Bought 238 shs ($6K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	238	$25.92	$6K

Holdings After Transaction: Common Stock — 1,543 shares (Direct)

Footnotes (1)

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Form 4 Insider Transactions: What Each Field Means →

09/18/2025 - 03:00 PM

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).

1. Name and Address of Reporting Person^*

Houff Neil A.

(Last)

(First)

(Middle)

C/O F&M BANK

205 SOUTH MAIN STREET

(Street)

TIMBERVILLE

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	09/18/2025		P		238⁽¹⁾	A	$25.92	1,543	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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

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.

Source: View Original Filing on SEC EDGAR

FAQ

When did the FMBM insider transaction occur?

The transaction date reported is 09/18/2025.

How many shares did Neil A. Houff acquire in the Form 4 filing?

The filing reports acquisition of 238 shares of common stock.

At what price were the shares acquired according to the Form 4?

The reported price per share was $25.92.

What was Neil A. Houff's beneficial ownership after the reported transaction?

Following the transaction, he beneficially owned 1,543 shares directly.

How were the shares acquired as described in the filing?

The explanation states shares were acquired from the issuer with proceeds of a quarterly retainer.

Who signed or submitted the Form 4 on behalf of the reporting person?

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