Fourthstone LLC and related entities reported beneficial ownership of 355,199 shares of F&M Bank Corp common stock, representing 9.98% of the class based on 3,557,495 shares outstanding as of March 20, 2026. The filing is an amendment to a Schedule 13G/A and states the holdings were acquired in the ordinary course of business as an investment adviser and not to influence control.
The cover pages list related holders: Fourthstone Master Opportunity Fund Ltd (269,408 shares, 7.57%), Fourthstone GP LLC (85,791 shares, 2.41%), Fourthstone QP Opportunity Fund (73,842 shares, 2.08%), and Fourthstone Small-Cap Financials Fund (11,949 shares, 0.34%). Signatures by reporting persons appear dated May 15, 2026.
Positive
None.
Negative
None.
Insights
Fourthstone reports a near-10% passive position in F&M Bank Corp.
The filing shows 355,199 shares held by Fourthstone LLC, equal to 9.98% of the outstanding common stock as of March 20, 2026. The filing characterizes these holdings as acquired in the ordinary course by an investment adviser.
This is a disclosure of concentrated ownership rather than a change-of-control intent; cash-flow treatment and planned dispositions are not stated in the provided excerpt. Subsequent filings would show any material trading activity or plan changes.
Related Fourthstone entities and an individual are disclosed as aggregated reporting persons.
The cover pages attribute shared voting and dispositive power across Fourthstone entities and to L. Phillip Stone, IV, with per-entity counts and percentages listed. The filing notes Fourthstone GP LLC may be deemed to beneficially own securities held by affiliated funds.
These attribution notes clarify reporting structure; governance impact depends on any future voting or coordination not described here. Monitor future filings for shifts in voting intent or additional acquisitions.
Key Figures
Shares held by Fourthstone LLC:355,199 sharesPercent of class:9.98%Shares outstanding used:3,557,495 shares+4 more
7 metrics
Shares held by Fourthstone LLC355,199 sharesBeneficial ownership reported on Schedule 13G/A
Percent of class9.98%Based on <date>March 20, 2026</date> outstanding share count
Shares outstanding used3,557,495 sharesOutstanding as of <date>March 20, 2026</date>, cited from issuer Form 10-K
Fourthstone Master Opportunity Fund Ltd holdings269,408 sharesCover page listing, <b>7.57%</b>
Fourthstone GP LLC holdings85,791 sharesCover page listing, <b>2.41%</b>
Fourthstone QP Opportunity Fund holdings73,842 sharesCover page listing, <b>2.08%</b>
Fourthstone Small-Cap Financials Fund holdings11,949 sharesCover page listing, <b>0.34%</b>
Key Terms
beneficially owned, shared dispositive power, Schedule 13G/A, Form 10-K
4 terms
beneficially ownedregulatory
"Item 4 states the amount "beneficially owned" and explains attribution by reporting persons"
Beneficially owned describes securities or assets where a person has the economic rights and control—such as the right to receive dividends and to direct voting—even if legal title is held in another name. Think of it like having the keys and using a car that’s registered to someone else: you get the benefits and make decisions. Investors care because beneficial ownership reveals who truly controls value and voting power, affecting corporate decisions and takeover dynamics.
shared dispositive powerregulatory
"Cover pages list "Shared Dispositive Power" values such as 355,199.00 for Fourthstone LLC"
Schedule 13G/Aregulatory
"The filing is titled "SCHEDULE 13G/A" and is an amended beneficial ownership disclosure"
A Schedule 13G/A is an amended public filing with the U.S. securities regulator that updates a previous Schedule 13G, disclosing when an individual or group holds a substantial (typically over 5%) stake in a company and is claiming a passive, non‑controlling intent. Investors monitor these updates because rising or falling holdings can signal changing confidence, potential future moves, or shifts in voting power — like watching a public ledger where large shareholders quietly adjust their positions.
Form 10-Kregulatory
"Item 4 cites the issuer's Form 10-K filed on March 27, 2026 for outstanding share count"
A Form 10-K is a comprehensive report that publicly traded companies are required to file annually with regulators. It provides a detailed overview of a company's financial health, operations, and risks, similar to a detailed health report. Investors use this information to assess the company's performance and make informed decisions about buying or selling its stock.
Fourthstone reports 355,199 shares, equal to 9.98% of the class. The percentage is calculated using 3,557,495 shares outstanding as of March 20, 2026, per the filing's citation to the issuer's Form 10-K.
Which Fourthstone affiliates are listed in the Schedule 13G/A?
Listed affiliates include Fourthstone LLC, Fourthstone Master Opportunity Fund Ltd, Fourthstone GP LLC, Fourthstone QP Opportunity Fund, and Fourthstone Small-Cap Financials Fund. Each affiliate's share count and percent ownership are shown on the cover pages.
Does the filing say Fourthstone seeks to influence control of F&M Bank Corp (FMBM)?
No — the filing states the shares were not acquired to influence control. It characterizes the holdings as acquired in the ordinary course of business by an investment adviser and not for control purposes.
What outstanding share count does the filing use to compute percentages?
The filing uses 3,557,495 shares of common stock outstanding as of March 20, 2026. That figure is cited directly in Item 4 and is the basis for the reported percentages on the cover pages.
Who signed the amended Schedule 13G/A for Fourthstone?
Signatures include Amy M. Stone (Chief Executive Officer) and L. Phillip Stone (Managing Member/Self). The signature dates shown in the excerpt are May 15, 2026.
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
UNDER THE SECURITIES EXCHANGE ACT OF 1934
(Amendment No. 3)
F&M BANK CORP
(Name of Issuer)
Common Stock, par value $5.00 per share
(Title of Class of Securities)
30237P106
(CUSIP Number)
03/13/2026
(Date of Event Which Requires Filing of this Statement)
Check the appropriate box to designate the rule pursuant to which this Schedule is filed:
Rule 13d-1(b)
Rule 13d-1(c)
Rule 13d-1(d)
schemaVersion:
SCHEDULE 13G
CUSIP Number(s):
30237P106
1
Names of Reporting Persons
Fourthstone LLC
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
DELAWARE
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
355,199.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
355,199.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
355,199.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
9.98 %
12
Type of Reporting Person (See Instructions)
IA
Comment for Type of Reporting Person: See Item 4 for a description of the information reported in rows (6), (8), (9) and (11).
SCHEDULE 13G
CUSIP Number(s):
30237P106
1
Names of Reporting Persons
Fourthstone Master Opportunity Fund Ltd
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
CAYMAN ISLANDS
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
269,408.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
269,408.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
269,408.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
7.57 %
12
Type of Reporting Person (See Instructions)
OO
Comment for Type of Reporting Person: See Item 4 for a description of the information reported in rows (6), (8), (9) and (11).
SCHEDULE 13G
CUSIP Number(s):
30237P106
1
Names of Reporting Persons
Fourthstone GP LLC
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
DELAWARE
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
85,791.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
85,791.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
85,791.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
2.41 %
12
Type of Reporting Person (See Instructions)
OO
Comment for Type of Reporting Person: See Item 4 for a description of the information reported in rows (6), (8), (9) and (11).
SCHEDULE 13G
CUSIP Number(s):
30237P106
1
Names of Reporting Persons
Fourthstone QP Opportunity Fund LP
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
DELAWARE
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
73,842.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
73,842.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
73,842.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
2.08 %
12
Type of Reporting Person (See Instructions)
PN
Comment for Type of Reporting Person: See Item 4 for a description of the information reported in rows (6), (8), (9) and (11).
SCHEDULE 13G
CUSIP Number(s):
30237P106
1
Names of Reporting Persons
Fourthstone Small-Cap Financials Fund LP
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
DELAWARE
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
11,949.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
11,949.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
11,949.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
0.34 %
12
Type of Reporting Person (See Instructions)
PN
Comment for Type of Reporting Person: See Item 4 for a description of the information reported in rows (6), (8), (9) and (11).
SCHEDULE 13G
CUSIP Number(s):
30237P106
1
Names of Reporting Persons
L. Phillip Stone, IV
2
Check the appropriate box if a member of a Group (see instructions)
(a)
(b)
3
Sec Use Only
4
Citizenship or Place of Organization
UNITED STATES
Number of Shares Beneficially Owned by Each Reporting Person With:
5
Sole Voting Power
0.00
6
Shared Voting Power
355,199.00
7
Sole Dispositive Power
0.00
8
Shared Dispositive Power
355,199.00
9
Aggregate Amount Beneficially Owned by Each Reporting Person
355,199.00
10
Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)
11
Percent of class represented by amount in row (9)
9.98 %
12
Type of Reporting Person (See Instructions)
IN
Comment for Type of Reporting Person: See Item 4 for a description of the information reported in rows (6), (8), (9) and (11).
SCHEDULE 13G
Item 1.
(a)
Name of issuer:
F&M BANK CORP
(b)
Address of issuer's principal executive offices:
P.O. BOX 1111, TIMBERVILLE, VA, 22853
Item 2.
(a)
Name of person filing:
This Schedule 13G is being filed by Fourthstone LLC, a Delaware Limited Liability Company and Investment Adviser ("Fourthstone"). The persons reporting information on this Schedule 13G include, in addition to Fourthstone, a company incorporated in the Cayman Islands ("Fourthstone Master Opportunity Fund"), a Delaware Limited Partnership ("Fourthstone QP Opportunity"), a Delaware Limited Partnership ("Fourthstone Small-Cap Financials"), a Delaware Limited Liability Company ("Fourthstone GP, " General Partner of Fourthstone QP Opportunity and Fourthstone Small-Cap Financials), and L. Phillip Stone, IV, a citizen of the United States of America, who is the Managing Member of Fourthstone and Fourthstone GP (each, a "Reporting Person" and, together, the "Reporting Persons"). Fourthstone directly holds 355,199 shares of Common Stock on behalf of its advisory clients. Each of the Reporting Persons listed in this filing certify the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the Issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that effect.
(b)
Address or principal business office or, if none, residence:
The principal business address of each of the Reporting Persons is as follows: The registered office of Fourthstone LLC, Fourthstone Master Opportunity Fund Ltd., Fourthstone GP LLC, Fourthstone QP Opportunity Fund LP, Fourthstone Small-Cap Financials Fund LP is 575 Maryville Centre Drive, Suite 110, St. Louis, MO 63141.
(c)
Citizenship:
See response to Item 4 of each of the cover pages.
(d)
Title of class of securities:
Common Stock, par value $5.00 per share
(e)
CUSIP No.:
30237P106
Item 3.
If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)
Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)
Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)
Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)
Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)
An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)
An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)
A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)
A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)
A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)
A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J),
please specify the type of institution:
(k)
Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.
Ownership
(a)
Amount beneficially owned:
Fourthstone LLC acquired the Issuer's shares in the ordinary course of business as a registered investment adviser and not with the purpose nor with the effect of influencing the control of the Issuer. Fourthstone GP LLC is the general partner of and may be deemed to beneficially own securities owned by Fourthstone QP Opportunity Fund LP and Fourthstone Small-Cap Financials Fund LP. L. Phillip Stone, IV, is the Managing Member of Fourthstone LLC and Fourthstone GP and may be deemed to beneficially own securities owned by Fourthstone. The percentages reported in Row 11 of each cover page are based on 3,557,495 shares of Common Stock (as defined below) of the Issuer (as defined below) outstanding as of March 20, 2026, based on the Issuer's Form 10-K filed on March 27, 2026.
(b)
Percent of class:
9.98 %
(c)
Number of shares as to which the person has:
(i) Sole power to vote or to direct the vote:
See responses to Item 5 on each cover page.
(ii) Shared power to vote or to direct the vote:
See responses to Item 6 on each cover page.
(iii) Sole power to dispose or to direct the disposition of:
See responses to Item 7 on each cover page.
(iv) Shared power to dispose or to direct the disposition of:
See responses to Item 8 on each cover page.
Item 5.
Ownership of 5 Percent or Less of a Class.
Not Applicable
Item 6.
Ownership of more than 5 Percent on Behalf of Another Person.
Not Applicable
Item 7.
Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
Not Applicable
Item 8.
Identification and Classification of Members of the Group.
Not Applicable
Item 9.
Notice of Dissolution of Group.
Not Applicable
Item 10.
Certifications:
By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11.
SIGNATURE
After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.
