F&M Bank Corp. Reports Third Quarter 2026 Earnings and Quarterly Dividend
F&M Bank Corp. reported Q3 2026 net income of $2.64 million, or $0.74 per diluted share, down from $5.37 million in Q2 2026 and $2.92 million in Q3 2025. Nine-month net income rose 35% year-over-year to $11.24 million ($3.14 diluted EPS), and loans held for investment grew 9.47% since year-end to $970.2 million with deposits up 2.92% to $1.28 billion. Q3 profitability was pressured by a $1.53 million provision for credit losses (vs $269,000 in Q2) and a 0.74% ROAA; the provision reflects loan growth and updated qualitative factors rather than deterioration, with NPLs steady at 0.43% of loans.
Key figures
- Eps
- 0.74
- Revenue
- 0
- Roaa
- 0.74%
- Roae
- 9.26%
- Total assets
- $1.42 billion
- Q3 net income
- 2640000
- Total deposits
- $1.28 billion
- Ytd net income
- 11240000
- Ytd eps diluted
- 3.14
- Dividend per share
- 0.26
- Q2 2026 net income
- 5370000
- Q3 2025 net income
- 2920000
- Loan growth ytd pct
- 9.47%
- Net charge offs pct
- 0.17%
- Net interest income
- 12290000
- Net interest margin
- 3.69%
- Ytd net income 2025
- 8340000
- Book value per share
- 31.06
- Nonperforming loans pct
- 0.43%
- Provision credit losses
- 1530000
- Dividend yield annualized
- 2.54%
- Loans held for investment
- 970200000
- Unrealized securities loss
- 24300000
- Tangible book value per share
- 30.18
AI analysis
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