F & M Bank Corp. (FMBM)

F & M Bank Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	59.87	55.93	54.88	48.05	34.37	32.56
Interest Income on Investments	11.82	11.82	9.61	8.37	7.77	3.02
Total Interest Income	71.69	67.75	64.48	56.41	42.14	35.58
Interest Paid on Deposits	23.97	25.62	28.23	21.22	5.74	3.34
Interest Paid on Borrowings	0.6	0.6	2.33	3.49	1.51	0.97
Total Interest Expense	24.57	26.22	30.55	24.71	7.25	4.3
Net Interest Income	47.12	41.53	33.93	31.71	34.89	31.27
Net Interest Income Growth	19.04%	22.38%	7.02%	-9.14%	11.58%	0.68%
Trust Income	2.24	2.24	2.18	1.72	-	-
Mortgage Banking Activities	1.94	1.94	2.49	1.97	3.02	4.65
Gain (Loss) on Sale of Investments	-0.69	-0.69	-0.79	-0.59	0.12	-1.39
Other Non-Interest Income	8.7	6.39	5.69	5.98	7.09	6.91
Total Non-Interest Income	13.48	11.17	10.77	10.12	11.29	11.31
Non-Interest Income Growth	22.03%	3.76%	6.42%	-10.41%	-0.12%	-7.40%
Revenues Before Loan Losses	60.6	52.7	44.7	41.82	46.19	42.58
Provision for Loan Losses	3.19	2.7	2.34	1.03	0.87	-2.82
Revenue	57.41	50	42.36	40.8	45.32	45.4
Revenue Growth	19.77%	18.04%	3.82%	-9.98%	-0.18%	13.58%
Salaries and Employee Benefits	18.56	18.56	17.88	22.5	21.07	17.93
Federal Deposit Insurance	0.94	0.94	1.04	0.79	0.56	0.41
Selling, General & Administrative	9.95	9.95	8.79	9.28	9.37	8
Other Non-Interest Expense	11.45	7.57	6.72	6.2	5.46	6.83
Total Non-Interest Expense	40.9	37.02	34.43	38.77	36.52	33.17
EBT Excluding Unusual Items	16.51	12.98	7.92	2.03	8.8	12.23
Asset Writedown	-	-	-	-	-	-0.17
Pretax Income	16.51	12.98	7.92	2.03	8.8	12.06
Income Tax Expense	2.39	1.75	0.64	-0.75	0.48	1.32
Earnings From Continuing Operations	14.13	11.23	7.29	2.77	8.32	10.74
Net Income	14.13	11.23	7.29	2.77	8.32	10.74
Preferred Dividends & Other Adjustments	-	-	-	-	-	0.2
Net Income to Common	14.13	11.23	7.29	2.77	8.32	10.54
Net Income Growth	33.18%	54.14%	162.90%	-66.69%	-21.10%	23.66%
Basic Shares Outstanding	4	4	4	3	3	3
Diluted Shares Outstanding	4	4	4	3	3	3
Shares Change	0.80%	1.15%	1.04%	0.78%	0.21%	0.39%
EPS (Basic)	3.96	3.16	2.07	0.80	2.41	3.25
EPS (Diluted)	3.95	3.16	2.07	0.80	2.41	3.12
EPS Growth	31.98%	52.39%	160.20%	-66.94%	-22.70%	21.71%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	1.040	1.040	1.040	1.040	1.040	1.040
Dividend Growth	0%	0%	0%	0%	0%	0%
Effective Tax Rate	14.47%	13.47%	8.05%	-	5.46%	10.97%

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 10, 2026

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