F&M Bank Corp director reports 2025 insider share purchases

Q: What insider transactions did FMBM report on this Form 5?

The Form 5 reports that director Michael W. Pugh made multiple open-market purchases of F&M Bank Corp common stock in 2025, with transactions coded "P" on 02/28/2025, 05/30/2025, 08/29/2025, and 11/28/2025, each involving relatively small share amounts.

Q: How many F&M Bank Corp (FMBM) shares did Michael W. Pugh own at year-end 2025?

At the end of the issuer’s fiscal year on 12/31/2025, Michael W. Pugh beneficially owned 13,782.30 shares of F&M Bank Corp common stock, reported as directly held.

Q: Does the F&M Bank Corp Form 5 include dividend reinvestment plan shares?

Yes. A footnote states that Pugh’s reported holdings include 282.23 shares acquired in the 2025 F&M Bank Corp Dividend Reinvestment Plan, reflecting shares received through automatic dividend reinvestment.

Q: Is Michael W. Pugh a director or officer of F&M Bank Corp?

The Form 5 identifies Michael W. Pugh as a director of F&M Bank Corp and indicates that he is not reported as an officer or 10% owner on this form.

F&M Bank Corp director Michael W. Pugh reported a series of small open-market purchases of F&M Bank Corp common stock during the issuer’s 2025 fiscal year.

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Rhea-AI Filing Summary

F&M Bank Corp director Michael W. Pugh reported a series of small open-market purchases of F&M Bank Corp common stock during the issuer’s 2025 fiscal year. The Form 5 shows multiple transactions coded "P" for purchases on 02/28/2025, 05/30/2025, 08/29/2025, and 11/28/2025, with individual trades such as 26.93 shares at $19.87 per share on 05/30/2025 and 39.81 shares at $27.00 per share on 11/28/2025.

After these transactions, Pugh beneficially owned 13,782.30 shares of common stock at the end of the 12/31/2025 fiscal year, held directly. A footnote explains that this total includes 282.23 shares acquired through the 2025 F&M Bank Corp Dividend Reinvestment Plan, indicating part of the increase in his holdings came from automatic reinvestment of dividends.

Insider Trade Summary

Net Buyer: 282.23 shares

Net Buy 8 txns

Insider PUGH MICHAEL W

Role Director

Bought 282.23 shs ($6K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	20.3	$27.00	$548.10
Purchase	Common Stock	39.81	$27.00	$1K
Purchase	Common Stock	22.83	$23.75	$542.21
Purchase	Common Stock	44.76	$23.75	$1K
Purchase	Common Stock	26.93	$19.87	$535.10
Purchase	Common Stock	52.81	$19.87	$1K
Purchase	Common Stock	25.26	$20.93	$528.69
Purchase	Common Stock	49.53	$20.93	$1K

Holdings After Transaction: Common Stock — 13,782.3 shares (Direct)

Footnotes (1)

F1. Includes 282.23 shares acquired in 2025 F&M Bank Corp. Dividend Reinvestment Plan.

FAQ

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

What insider transactions did FMBM report on this Form 5?

The Form 5 reports that director Michael W. Pugh made multiple open-market purchases of F&M Bank Corp common stock in 2025, with transactions coded "P" on 02/28/2025, 05/30/2025, 08/29/2025, and 11/28/2025, each involving relatively small share amounts.

How many F&M Bank Corp (FMBM) shares did Michael W. Pugh own at year-end 2025?

At the end of the issuer’s fiscal year on 12/31/2025, Michael W. Pugh beneficially owned 13,782.30 shares of F&M Bank Corp common stock, reported as directly held.

What prices did the FMBM director pay for the 2025 stock purchases?

The reported open-market purchases of F&M Bank Corp common stock by Michael W. Pugh in 2025 include examples such as 26.93 shares at $19.87 per share on 05/30/2025 and 39.81 shares at $27.00 per share on 11/28/2025.

Does the F&M Bank Corp Form 5 include dividend reinvestment plan shares?

Yes. A footnote states that Pugh’s reported holdings include 282.23 shares acquired in the 2025 F&M Bank Corp Dividend Reinvestment Plan, reflecting shares received through automatic dividend reinvestment.

Is Michael W. Pugh a director or officer of F&M Bank Corp?

The Form 5 identifies Michael W. Pugh as a director of F&M Bank Corp and indicates that he is not reported as an officer or 10% owner on this form.

Are the FMBM shares on this Form 5 held directly or indirectly?

The non-derivative holdings reported for Michael W. Pugh are marked as Direct (D) ownership, with no nature of indirect beneficial ownership disclosed for these positions.

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

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Accepted by SEC EDGAR 01/08/2026 - 04:15 PM

SEC Form 5

FORM 5

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

ANNUAL 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:			3235-0362
Estimated average burden
hours per response:			1.0

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

Form 3 Holdings Reported.

Form 4 Transactions Reported.

1. Name and Address of Reporting Person^*

PUGH MICHAEL W

(Last)

(First)

(Middle)

2040 AIRPORT RD

(Street)

BRIDGEWATER

22812

(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. Statement for Issuer's Fiscal Year Ended (Month/Day/Year)
12/31/2025

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 at end of Issuer's Fiscal Year (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)	3. Transaction Code (Instr. 8)	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	02/28/2025		P	25.26⁽¹⁾	A	$20.93	13,525.33	D
Common Stock	05/30/2025		P	26.93⁽¹⁾	A	$19.87	13,552.26	D
Common Stock	08/29/2025		P	22.83⁽¹⁾	A	$23.75	13,575.09	D
Common Stock	11/28/2025		P	20.3⁽¹⁾	A	$27	13,595.39	D
Common Stock	02/28/2025		P	49.53⁽¹⁾	A	$20.93	13,644.92	D
Common Stock	05/30/2025		P	52.81⁽¹⁾	A	$19.87	13,697.73	D
Common Stock	08/29/2025		P	44.76⁽¹⁾	A	$23.75	13,742.49	D
Common Stock	11/28/2025		P	39.81⁽¹⁾	A	$27	13,782.3	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)	4. Transaction Code (Instr. 8)	(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. Includes 282.23 shares acquired in 2025 F&M Bank Corp. Dividend Reinvestment Plan.

	/s/ Candy F. Barkley, Attorney-in-Fact	01/08/2026
	** 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.

Source: View Original Filing on SEC EDGAR