For the quarter ending 2025-09-30, FMBM had $36,662K increase in cash & cash equivalents over the period. $6,922K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 2,919 | 5,422 |
| Depreciation and amortization | 321 | 683 |
| Amortization of intangibles | 7 | 16 |
| Amortization of securities | 152 | 348 |
| Proceeds from loans held for sale | 13,696 | 24,563 |
| Loans held for sale originated | -12,396 | -24,008 |
| Gain on sale of loans held for sale | 308 | 552 |
| Provision for credit losses | 539 | 1,083 |
| Decrease (increase) in interest receivable | -234 | 224 |
| Decrease (increase) in deferred tax asset | 0 | -80 |
| Decrease (increase) in other assets | -1,122 | -307 |
| Increase (decrease) in other liabilities | 595 | -240 |
| Amortization of limited partnership investments | 196 | 393 |
| Amortization of debt issuance costs | 4 | 21 |
| Income from life insurance investment | 160 | 424 |
| Gain on sale of fixed assets | 0 | 0 |
| Gain on the sale of assets held for sale | 0 | 43 |
| Gain on the sale of oreo | 0 | 73 |
| Stock-based compensation expense | 114 | 194 |
| Net cash provided by operating activities | 7,035 | 7,546 |
| Proceeds from maturity of investments available for sale | 10,960 | 21,360 |
| Purchases of investments available for sale | 0 | 40,863 |
| Proceeds from paydowns of investments available for sale | 5,576 | 12,761 |
| Investment in restricted stock, net | 0 | 5 |
| Net increase in loans held for investment | 24,594 | 9,543 |
| Proceeds from the sale of fixed assets | 0 | 0 |
| Proceeds from the sale of oreo | 0 | 150 |
| Net purchase of property and equipment | 113 | 267 |
| Net cash used in investing activities | -8,171 | -16,407 |
| Net change in deposits | 38,890 | 1,346 |
| Net change in short-term debt | 0 | 0 |
| Dividends paid in cash | 925 | 1,844 |
| Proceeds from issuance of common stock | 102 | 125 |
| Purchases of common stock | 269 | - |
| Net cash provided by financing activities | 37,798 | -373 |
| Net increase in cash and cash equivalents | 36,662 | -9,234 |
| Cash and cash equivalents at beginning of period | 56,507 | - |
| Cash and cash equivalents at end of period | 83,935 | - |
F&M BANK CORP (FMBM)
F&M BANK CORP (FMBM)