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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	58.45	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	70.27	67.75	64.48	56.41	42.14	35.58
Interest Paid on Deposits	24.35	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	24.96	26.22	30.55	24.71	7.25	4.3
Net Interest Income	45.31	41.53	33.93	31.71	34.89	31.27
Net Interest Income Growth	20.59%	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	8.5	6.39	5.69	5.98	7.09	6.91
Total Non-Interest Income	13.29	11.17	10.77	10.12	11.29	11.31
Non-Interest Income Growth	20.00%	3.76%	6.42%	-10.41%	-0.12%	-7.40%
Revenues Before Loan Losses	58.6	52.7	44.7	41.82	46.19	42.58
Provision for Loan Losses	2.2	2.7	2.34	1.03	0.87	-2.82
Revenue	56.4	50	42.36	40.8	45.32	45.4
Revenue Growth	23.72%	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	10.1	7.57	6.72	6.2	5.46	6.83
Total Non-Interest Expense	39.54	37.02	34.43	38.77	36.52	33.17
EBT Excluding Unusual Items	16.86	12.98	7.92	2.03	8.8	12.23
Asset Writedown	-	-	-	-	-	-0.17
Pretax Income	16.86	12.98	7.92	2.03	8.8	12.06
Income Tax Expense	2.46	1.75	0.64	-0.75	0.48	1.32
Earnings From Continuing Operations	14.4	11.23	7.29	2.77	8.32	10.74
Net Income	14.4	11.23	7.29	2.77	8.32	10.74
Preferred Dividends & Other Adjustments	-	-	-	-	-	0.2
Net Income to Common	14.4	11.23	7.29	2.77	8.32	10.54
Net Income Growth	69.94%	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	0.88%	1.15%	1.04%	0.78%	0.21%	0.39%
EPS (Basic)	4.04	3.16	2.07	0.80	2.41	3.25
EPS (Diluted)	4.04	3.16	2.07	0.80	2.41	3.12
EPS Growth	68.58%	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	Jun 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	14.59%	13.47%	8.05%	-	5.46%	10.97%

Data Source: S&P Global Market Intelligence Last updated: Jun 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:

Aug 20, 2026

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