F & M Bank Corp
fmbankva.comWhat Do They Do?
Provides deposit accounts, commercial and consumer loans, mortgage services, and title insurance to individuals and businesses.
10-K for FY2025, filed Mar 27, 2026On April 15, 1908, the Bank was chartered as a state-chartered bank under the laws of the Commonwealth of Virginia. As a commercial bank…View ↗
How Do They Make Money?
Most operating revenue comes from interest and fees on loans held for investment. The company also earns account, card and ATM fees when transactions occur or by month-end, investment-sale commissions on the trade date, and title fees when a real estate transaction closes.
10-K for FY2025, filed Mar 27, 2026
$67.8M
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10-K for FY2025, filed Mar 27, 2026
$67.8M ↗
Who Are Their Customers?
The Bank serves individuals and commercial customers with deposit accounts, loans, and branch, mobile, and internet banking; commercial customers can also use courier services, while VSTitle provides title insurance in its market area.
10-K for FY2025, filed Mar 27, 2026On April 15, 1908, the Bank was chartered as a state-chartered bank under the laws of the Commonwealth of Virginia. As a commercial bank…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 17 cents of every revenue dollar as net income in FY2025 and turned 23 cents into free cash flow.
How Are They Changing?
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Jul 14, 2026
Used a one-time gain to restructure its bond portfolio
It expects the changes to add approximately $0.21 per share and 6 basis points to net interest margin on an annualized basis.
Sources
8-K, filed Jul 14, 2026
In the restructuring, the Company sold $29.8 million in book value of securities AFS with a weighted average yield of 1.66%, representing…View ↗
Growing. Revenue grew 90% in 4 years, from $35.6M in FY2021 to $67.8M in FY2025, about 17% a year.
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