SCHEDULE: Fourthstone Entities Disclose F&M Bank Corp Stake

Several Fourthstone-affiliated investment entities have collectively reported beneficial ownership of 8.97% of F&M Bank Corp's common stock as of June 30, 2026.

Summary

• Fourthstone LLC, along with affiliated funds and individuals, has filed a Schedule 13G, reporting a combined beneficial ownership of 319,335 shares of F&M Bank Corp common stock.
• This represents 8.97% of the outstanding common stock, based on 3,559,157 shares outstanding as of May 11, 2026.
• The filing indicates that these securities were acquired and are held in the ordinary course of business and not for the purpose of influencing the control of the issuer.
• The reporting persons include Fourthstone LLC, Fourthstone Master Opportunity Fund Ltd., Fourthstone GP LLC, Fourthstone QP Opportunity Fund LP, Fourthstone Small-Cap Financials Fund LP, and L. Phillip Stone, IV.

Sentiment

Score: 6

Explanation: StockSavvy.ai views this filing as neutral to slightly positive, indicating a significant but not controlling stake by investment entities, with no immediate indication of strategic shifts or governance changes.

Positives

• Significant investment stake by established investment entities suggests confidence in the company's underlying value.
• The filing clarifies the ownership structure and intent, indicating ordinary course of business acquisitions.

Negatives

• The filing does not provide specific financial performance data or forward-looking guidance, limiting a deeper analysis of the company's immediate prospects.
• The aggregate ownership, while substantial, does not constitute a controlling stake, implying limited immediate influence on corporate strategy.

Risks

• Potential for increased scrutiny from the market regarding the intentions of significant institutional investors.
• The filing does not detail specific risk factors related to F&M Bank Corp's operations or the broader economic environment.

Future Outlook

The filing does not contain forward-looking statements or specific guidance from the company. The reporting persons state their securities were not acquired for the purpose of influencing control.

Management Comments

• "The securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect."

Industry Context

StockSavvy.ai notes that Schedule 13G filings by investment advisers are common and typically indicate passive investment strategies rather than activist intentions. The ownership percentage suggests a significant institutional presence in F&M Bank Corp.

Stakeholder Impact

• Shareholders: The filing provides transparency on a significant institutional ownership block, which may influence market perception.
• Management: The reporting persons explicitly state their intent is not to influence control, suggesting a non-activist stance.

Next Steps

• Continued monitoring of F&M Bank Corp's performance and any future filings by Fourthstone entities.

Key Dates

Keywords

F&M Bank Corp, Schedule 13G, Fourthstone LLC, Investment Adviser, Beneficial Ownership, Common Stock, Ownership Stake