F&M BANK CORP

FMBM · State Commercial Banks · 3.6M shares · +1%/yr ↑ shares · EDGAR filings ↗

Reference price $36.10 · est. market cap ~$128M — last insider purchase, 2026-06-18 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)

Grade

C65

F&M Bank Corp (VA) — small community bank with average returns.

Strengths

ROE 10.7% (60th pct), low leverage (32nd)

Risks

ROA 30th below median
Very small scale
Rate sensitivity

Notable findings

Exec changeRecent 8-K item 5.02 8-K ↗
Insider buyingInsider buying — 26 open-market buy(s) by 16 insider(s) (cluster of 16 insiders, ~$641,839, last 6mo) Form 4 ↗

Quarterly revenue

2022-09-30 · $103M2023-03-31 · $28K2023-06-30 · $38K2023-09-30 · $96K

Last 4 quarters · from SEC filings.

Key metrics

Return on equity

10.7%

Return on assets

0.8%

Revenue growth (QoQ)

152.6%

Net-income growth

54.1%

Debt / equity

0.1×

Free cash flow

$16M

Tangible book value

$102M

Insider transactions · last 18 months

Date	Insider	Type	Shares	Price
2026-06-18	Keeler Anne B	Buy	171	$36.10
2026-06-18	WRAY PETER H	Buy	171	$36.10
2026-06-18	BURKHOLDER EDWARD RAY	Buy	247	$36.10
2026-06-18	Harrison Bret V.	Buy	228	$36.10
2026-06-18	Runion Christopher S.	Buy	171	$36.10
2026-06-18	Willingham John A.	Buy	77	$36.10
2026-06-18	Houff Neil A.	Buy	171	$36.10
2026-06-18	Hutman Hannah W.	Buy	171	$36.10
2026-05-12	WITHERS DEAN W	Buy	127	$34.50
2026-05-11	WITHERS DEAN W	Buy	2.0K	$34.50
2026-03-20	Black Barton E.	Tax withheld	367	$30.59
2026-03-20	Emswiler Melody D.	Tax withheld	156	$30.59
2026-03-20	Eberly Paul E.	Tax withheld	197	$30.59
2026-03-19	Willingham John A.	Buy	91	$30.59
2026-03-19	Campbell Lisa F	Buy	2.7K	$30.59
2026-03-19	Emswiler Melody D.	Buy	1.3K	$30.59
2026-03-19	McHaffa Evan S.	Buy	650	$30.59
2026-03-19	Harrison Bret V.	Buy	269	$30.59
2026-03-19	Houff Neil A.	Buy	202	$30.59
2026-03-19	Driest Charles C.	Buy	1.5K	$30.59
2026-03-19	Hutman Hannah W.	Buy	202	$30.59
2026-03-19	Eberly Paul E.	Buy	1.7K	$30.59
2026-03-19	Black Barton E.	Buy	3.0K	$30.59
2026-03-19	Wilkerson Aubrey M.	Buy	4.2K	$30.59
2026-03-19	Keeler Anne B	Buy	202	$30.59
2026-03-19	WRAY PETER H	Buy	202	$30.59
2026-03-19	BURKHOLDER EDWARD RAY	Buy	292	$30.59
2026-03-19	Runion Christopher S.	Buy	202	$30.59
2026-03-07	Emswiler Melody D.	Tax withheld	221	$31.98
2026-03-07	Eberly Paul E.	Tax withheld	352	$31.98
2026-03-07	Black Barton E.	Tax withheld	597	$31.98
2026-02-04	Harrison Bret V.	Buy	200	$31.00
2025-12-18	Houff Neil A.	Buy	218	$28.25
2025-12-18	Thomas Daphyne S.	Buy	72	$28.25
2025-12-18	Hutman Hannah W.	Buy	218	$28.25
2025-12-18	Keeler Anne B	Buy	218	$28.25
2025-12-18	WRAY PETER H	Buy	218	$28.25
2025-12-18	BURKHOLDER EDWARD RAY	Buy	291	$28.25
2025-12-18	Runion Christopher S.	Buy	218	$28.25
2025-12-18	Willingham John A.	Buy	91	$28.25
2025-09-18	WRAY PETER H	Buy	238	$25.92
2025-09-18	Houff Neil A.	Buy	238	$25.92
2025-09-18	Thomas Daphyne S.	Buy	238	$25.92
2025-09-18	Hutman Hannah W.	Buy	238	$25.92
2025-09-18	Keeler Anne B	Buy	238	$25.92
2025-09-18	BURKHOLDER EDWARD RAY	Buy	317	$25.92
2025-09-18	Runion Christopher S.	Buy	238	$25.92
2025-09-18	Willingham John A.	Buy	99	$25.92
2025-08-07	Eberly Paul E.	Sell	2.5K	$23.00
2025-08-04	Wilkerson Aubrey M.	Buy	200	$23.40
2025-06-18	Thomas Daphyne S.	Buy	299	$20.65
2025-06-18	Houff Neil A.	Buy	299	$20.65
2025-06-18	Keeler Anne B	Buy	299	$20.65
2025-06-18	Willingham John A.	Buy	124	$20.65
2025-06-18	BURKHOLDER EDWARD RAY	Buy	399	$20.65
2025-06-18	Runion Christopher S.	Buy	299	$20.65
2025-06-18	WRAY PETER H	Buy	299	$20.65
2025-06-18	Hutman Hannah W.	Buy	299	$20.65
2025-05-09	Eberly Paul E.	Grant	623	$20.65
2025-05-09	Wilkerson Aubrey M.	Grant	1.1K	$20.65
2025-05-09	Black Barton E.	Grant	928	$20.65
2025-03-20	Keeler Anne B	Buy	320	$19.31
2025-03-20	BURKHOLDER EDWARD RAY	Buy	426	$19.31
2025-03-20	Willingham John A.	Buy	133	$19.31
2025-03-20	Wilkerson Aubrey M.	Grant	5.7K	—
2025-03-20	Houff Neil A.	Buy	320	$19.31
2025-03-20	Black Barton E.	Grant	4.1K	—
2025-03-20	Runion Christopher S.	Buy	320	$19.31
2025-03-20	Hutman Hannah W.	Buy	320	$19.31
2025-03-20	Thomas Daphyne S.	Buy	320	$19.31
2025-03-20	Withers Jason	Grant	1.6K	—
2025-03-20	Emswiler Melody D.	Grant	1.8K	—
2025-03-20	Eberly Paul E.	Grant	2.2K	—
2025-03-20	Campbell Lisa F	Grant	3.5K	—
2025-03-20	Driest Charles C.	Grant	2.0K	—
2025-03-20	WRAY PETER H	Buy	320	$19.31
2025-03-12	Runion Christopher S.	Buy	500	$18.74
2025-03-07	Black Barton E.	Tax withheld	569	$19.58
2025-03-07	Wilkerson Aubrey M.	Tax withheld	803	$19.58
2025-03-07	Emswiler Melody D.	Tax withheld	220	$19.58
2025-03-07	Eberly Paul E.	Tax withheld	353	$19.58
2025-03-07	Campbell Lisa F	Tax withheld	214	$19.58
2025-03-07	Withers Jason	Tax withheld	185	$19.58
2025-03-07	Black Barton E.	Tax withheld	597	$19.58
2025-03-05	Wilkerson Aubrey M.	Tax withheld	34	$19.50
2025-03-05	Black Barton E.	Tax withheld	130	$19.50
2025-03-05	Emswiler Melody D.	Tax withheld	36	$19.50
2025-03-05	Emswiler Melody D.	Tax withheld	36	$19.50
2025-03-05	Black Barton E.	Tax withheld	130	$19.50
2025-03-05	Willingham John A.	Buy	1.0K	$19.50
2025-02-25	Runion Christopher S.	Buy	200	$20.49
2025-02-25	Runion Christopher S.	Buy	800	$20.50
2025-02-06	Runion Christopher S.	Buy	125	$20.99
2025-01-07	Runion Christopher S.	Buy	400	$20.18
2025-01-07	Runion Christopher S.	Buy	400	$20.18
2025-01-06	Runion Christopher S.	Buy	100	$20.03
2025-01-02	Runion Christopher S.	Buy	100	$20.26

All non-derivative Form 4 activity (SEC), newest first.

Notable events (8-K)

Date	Items
2026-05-27	Exec/director changeExhibits	filing ↗
2026-05-19	Shareholder vote	filing ↗
2026-05-15	Reg FDExhibits	filing ↗
2026-05-05	OtherExhibits	filing ↗
2026-04-29	ResultsExhibits	filing ↗
2026-02-09	Exec/director change	filing ↗
2026-02-02	ResultsExhibits	filing ↗
2025-12-18	Exec/director changeExhibits	filing ↗

Recent filings

Form	Filed	Period	Accession
8-K	2026-05-27	2026-05-21	0001654954-26-005428 ↗
8-K	2026-05-19	2026-05-16	0001654954-26-005093 ↗
8-K	2026-05-15	2026-05-15	0001654954-26-004946 ↗
10-Q	2026-05-13	2026-03-31	0001654954-26-004803 ↗
8-K	2026-05-05	2026-05-04	0001654954-26-004333 ↗
8-K	2026-04-29	2026-04-28	0001654954-26-004059 ↗
10-K	2026-03-27	2025-12-31	0001654954-26-002891 ↗
8-K	2026-02-09	2026-01-27	0001654954-26-001045 ↗
8-K	2026-02-02	2026-01-30	0001654954-26-000812 ↗
8-K	2025-12-18	2025-12-16	0001654954-25-014119 ↗
10-Q	2025-11-13	2025-09-30	0001654954-25-012972 ↗
8-K	2025-10-29	2025-10-24	0001654954-25-012322 ↗