F&M Bank (NASDAQ: FMBM) EVP reports routine tax withholding share transfer

Rhea-AI Filing Summary

F&M Bank Corp executive Melody D. Emswiler, EVP and Chief Human Resources Officer, reported a routine tax-related share disposition. 221 shares of common stock were delivered at $31.98 per share to cover tax obligations, leaving her with 6,786 directly held shares after the transaction.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Emswiler Melody D.

Role EVP/Chief Human Resources

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	221	$31.98	$7K

Holdings After Transaction: Common Stock — 6,786 shares (Direct)

Footnotes (1)

Form 4 Insider Transactions: What Each Field Means →

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^*

Emswiler Melody D.

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP/Chief Human Resources

3. Date of Earliest Transaction (Month/Day/Year)
03/07/2026

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	03/07/2026		F		221	D	$31.98	6,786	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:

	/s/ Candy F. Barkley, Attorney-in-Fact	03/11/2026
	** 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 insider transaction did FMBM executive Melody D. Emswiler report?

Melody D. Emswiler reported a tax-related share disposition of F&M Bank Corp stock. She delivered 221 common shares to cover tax obligations, a routine non-market event, and continued to hold 6,786 shares directly afterward.

Was Melody D. Emswiler’s FMBM stock transaction a market sale?

No, the transaction was classified as a tax-withholding disposition, not an open-market sale. Shares were delivered to satisfy tax liability, meaning it reflects a mechanical tax payment rather than an active decision to sell shares in the market.

How many FMBM shares did Melody D. Emswiler dispose of for taxes?

She delivered 221 shares of F&M Bank Corp common stock to cover tax obligations. The shares were valued at $31.98 each in the filing, reflecting a standard tax-withholding event related to equity compensation rather than a discretionary sale.

How many FMBM shares does Melody D. Emswiler hold after this Form 4?

After the tax-withholding disposition, Melody D. Emswiler holds 6,786 F&M Bank Corp common shares directly. This remaining position, disclosed in the Form 4, shows she retains the vast majority of her reported holdings following the small tax-related transfer.

What does transaction code F mean in Melody D. Emswiler’s FMBM Form 4?

Transaction code F indicates shares were used to pay an exercise price or tax liability. In this case, 221 F&M Bank Corp shares were delivered for tax withholding, classed as a non-derivative, tax-related disposition rather than a typical open-market stock sale.