FMBM · F & M Bank Corp.

0001654954-26-004803

Summary

F & M Bank Corp. delivered strong Q1 2026 results with net income up 31.3% to $3.2 million and diluted EPS rising 30% to $0.91, fueled by net interest income growth from loan and securities expansion plus deposit mix optimization.

Key takeaways

Net income increased 31.3% to $3.2M from $2.5M in Q1 2025 due to higher net interest income from loan and investment growth.
Diluted EPS rose 30% to $0.91 from $0.70 reflecting improved profitability on stable shares.
Net cash from operations grew to $5.7M from $5.5M, generating $5.0M free cash flow after $732K capex.

Full analysis

Cash generation proved resilient, with net cash from operating activities at $5.7 million enabling $5.0 million in free cash flow despite elevated capital expenditures of $732,000. Operating across fourteen branches and a dealer finance division loan production office, the Company continues to serve its community banking footprint effectively while navigating interest rate pressures through disciplined execution.