Farmers National Banc Corp.(FMNB)Earnings, Financials & Key Ratios

FMNB•NASDAQ•Banking & Credit

9.8× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryBanks with large fee businesses

AboutFarmers National Banc Corp., a financial holding company, operates in the banking, trust, retirement consulting, insurance, and financial management industries. It offers commercial and retail banking services, including checking, savings, and time deposit accounts; commercial, mortgage and installment, and home equity loans; home equity lines of credit, night depository, safe deposit box, money order, bank check, automated teller machine, Internet banking, travel card, E bond transaction, MasterCard and Visa credit cards, brokerage, and other services. The company also provides personal and corporate trust services in the areas of estate settlement, trust administration, and employee benefit plans; retirement services; property and casualty insurance products and services; and various insurance products through licensed representatives, as well as invests in municipal securities. It operates through 47 locations in northeastern region of Ohio and one location in southwestern Pennsylvania. The company was founded in 1887 and is based in Canfield, Ohio.Show more

Net Interest Income$142M+12.2%
Total Revenue$272M+0.9%
Net Income$55M+18.8%
Return on Equity12.24%+8.0%
Net Interest Margin2.72%+9.5%
Efficiency Ratio39.86%+0.7%
ROA1.05%+16.9%
Equity / Assets9.26%+16.7%
Book Value per Share12.91+19.2%

FMNB Key Insights

Farmers National Banc Corp. (FMNB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓Efficient operations: 39.9% efficiency ratio
✓Healthy dividend yield of 4.8%
✓Trading at only 1.1x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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FMNB Price & Volume

Farmers National Banc Corp. (FMNB) stock price & volume — 10-year historical chart

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FMNB Growth Metrics

Farmers National Banc Corp. (FMNB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years14.19%

5 Years12.85%

3 Years15.18%

TTM-

Profit CAGR

10 Years21.09%

5 Years5.44%

3 Years-3.42%

TTM18.8%

EPS CAGR

10 Years14.95%

5 Years-0.27%

3 Years-6.78%

TTM18.85%

Return on Capital

10 Years11.49%

5 Years10.13%

3 Years8.2%

Last Year2.36%

FMNB Recent Earnings

Farmers National Banc Corp. (FMNB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 7/12 qtrs (58%)●Beat Revenue 3/12 qtrs (27%)

Q2 2026Latest

Apr 22, 2026

Metric

Actual

Est

EPS

$0.45+21.6%

$0.37

Rev

$56M+2.7%

$55M

Q1 2026

Feb 4, 2026

Metric

Actual

Est

EPS

$0.39-17.0%

$0.47

Rev

$70M

—

Q1 2026

Jan 28, 2026

Metric

Actual

Est

EPS

$0.40-14.9%

$0.47

Rev

$49M-3.1%

$51M

Q4 2025

Oct 22, 2025

Metric

Actual

Est

EPS

$0.42+2.4%

$0.41

Rev

$48M-6.4%

$51M

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 22, 2026	$0.45vs $0.37+21.6%	$56Mvs $55M+2.7%
Q1 2026	Feb 4, 2026	$0.39vs $0.47-17.0%	$70M
Q1 2026	Jan 28, 2026	$0.40vs $0.47-14.9%	$49Mvs $51M-3.1%
Q4 2025	Oct 22, 2025	$0.42vs $0.41+2.4%	$48Mvs $51M-6.4%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
OVBCOhio Valley Banc Corp.Direct Competitor	226.65M	48.11	14.53	5.93%	16.56%	9.58%	0.32
CFFIC&F Financial CorporationDirect Competitor	255.12M	78.36	9.45	11.78%	14.6%	10.82%	0.44
CZWICitizens Community Bancorp, Inc.Direct Competitor	205.47M	21.34	14.62	-9.41%	16.01%	7.81%	0.28
LARKLandmark Bancorp, Inc.Direct Competitor	179.11M	29.37	9.57	8.26%	19.56%	12.36%	0.21
MVBFMVB Financial Corp.Direct Competitor	354.9M	27.63	13.41	18.96%	13.74%	8.46%	0.23
FRSTPrimis Financial Corp.Product Competitor	381.6M	15.45	6.20	23.02%	20.12%	15.78%	0.62
FFICFlushing Financial CorporationProduct Competitor	524.18M	15.47	28.65	11.06%	3.86%	2.67%	0.84
HONEHarborOne Bancorp, Inc.Product Competitor	522.22M	12.10	18.33	10.7%	8.56%	4.56%	0.90

Compare FMNB vs Peers

Farmers National Banc Corp. (FMNB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs OVBC

Most directly comparable listed peer for FMNB.

Scale Benchmark

vs ICE

Larger-name benchmark to compare FMNB against a more recognizable public peer.

Peer Set

Compare Top 5

vs OVBC, CFFI, CZWI, LARK

FMNB Income Statement

Farmers National Banc Corp. (FMNB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Net Interest Income	73.11M	77.85M	81.75M	95.65M	107.49M	123.3M	135.8M	126.92M	142.44M
NII Growth %	8.14%	6.48%	5.01%	17%	12.38%	14.7%	10.14%	-6.54%	12.23%
Net Interest Margin %	3.39%	3.34%	3.34%	3.11%	2.59%	3.02%	2.67%	2.48%	2.72%
Interest Income	79.99M	91.11M	101.36M	111.78M	115.96M	141.22M	211.35M	226.28M	233.79M
Interest Expense	6.88M	13.27M	19.61M	16.14M	8.47M	17.92M	75.55M	99.36M	91.35M
Loan Loss Provision	3.35M	3M	2.45M	9.1M	4.89M	1.12M	9.15M	7.97M	7.07M
Non-Interest Income	24.59M	26.15M	28.67M	36.7M	38.69M	36.7M	43.85M	43.17M	38.03M
Non-Interest Income %	23.51%	22.3%	22.05%	24.72%	25.02%	20.63%	17.18%	16.02%	13.99%
Total Revenue	104.58M▲ 0%	117.27M▲ 12.1%	130.03M▲ 10.9%	148.49M▲ 14.2%	154.65M▲ 4.2%	177.91M▲ 15.0%	255.2M▲ 43.4%	269.45M▲ 5.6%	271.83M▲ 0.9%
Revenue Growth %	9.23%	12.13%	10.88%	14.2%	4.15%	15.04%	43.44%	5.58%	0.88%
Non-Interest Expense	61.19M	62.72M	64.89M	72.98M	79.18M	86.04M	111.8M	106.69M	108.36M
Efficiency Ratio	58.51%	53.48%	49.91%	49.15%	51.2%	48.36%	43.81%	39.6%	39.86%
Operating Income	33.16M▲ 0%	38.28M▲ 15.4%	43.08M▲ 12.5%	50.27M▲ 16.7%	62.11M▲ 23.6%	72.83M▲ 17.3%	58.7M▼ 19.4%	55.43M▼ 5.6%	65.05M▲ 17.4%
Operating Margin %	31.71%	32.65%	33.13%	33.86%	40.16%	40.94%	23%	20.57%	23.93%
Operating Income Growth %	18.25%	15.45%	12.52%	16.71%	23.56%	17.26%	-19.41%	-5.57%	17.35%
Pretax Income	33.16M▲ 0%	38.28M▲ 15.4%	43.08M▲ 12.5%	50.27M▲ 16.7%	62.11M▲ 23.6%	72.83M▲ 17.3%	58.7M▼ 19.4%	55.43M▼ 5.6%	65.05M▲ 17.4%
Pretax Margin %	31.71%	32.65%	33.13%	33.86%	40.16%	40.94%	23%	20.57%	23.93%
Income Tax	10.45M	5.71M	7.32M	8.4M	10.27M	12.24M	8.77M	9.48M	10.46M
Effective Tax Rate %	31.51%	14.93%	16.98%	16.7%	16.53%	16.8%	14.93%	17.1%	16.08%
Net Income	22.71M▲ 0%	32.57M▲ 43.4%	35.76M▲ 9.8%	41.88M▲ 17.1%	51.84M▲ 23.8%	60.6M▲ 16.9%	49.93M▼ 17.6%	45.95M▼ 8.0%	54.59M▲ 18.8%
Net Margin %	21.72%	27.77%	27.5%	28.2%	33.52%	34.06%	19.57%	17.05%	20.08%
Net Income Growth %	10.48%	43.41%	9.8%	17.1%	23.8%	16.88%	-17.6%	-7.98%	18.8%
Net Income (Continuing)	22.71M	32.57M	35.76M	41.88M	51.84M	60.6M	49.93M	45.95M	54.59M
EPS (Diluted)	0.82▲ 0%	1.16▲ 41.5%	1.28▲ 10.3%	1.47▲ 14.8%	1.77▲ 20.4%	1.79▲ 1.1%	1.33▼ 25.7%	1.22▼ 8.3%	1.45▲ 18.9%
EPS Growth %	7.89%	41.46%	10.34%	14.84%	20.41%	1.13%	-25.7%	-8.27%	18.85%
EPS (Basic)	0.82	1.18	1.29	1.48	1.78	1.79	1.34	1.23	1.46
Diluted Shares Outstanding	27.62M	27.97M	27.88M	28.39M	29.28M	33.93M	37.5M	37.51M	37.63M

FMNB Balance Sheet

Farmers National Banc Corp. (FMNB) balance sheet — assets, liabilities & shareholders' equity

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash & Short Term Investments	411.12M	420.23M	455.46M	596.1M	1.46B	1.29B	1.33B	651.92M	1.36B
Cash & Due from Banks	17.79M	18.04M	23.23M	20.5M	29.15M	21.39M	28.9M	20.43M	20.49M
Short Term Investments	393.33M	402.19M	432.23M	575.6M	1.43B	1.27B	1.3B	631.5M	1.34B
Total Investments	1.96B	2.13B	2.24B	2.66B	3.76B	3.69B	4.52B	4.57B	1.37B
Investments Growth %	9.89%	8.6%	5.02%	18.66%	41.64%	-1.88%	22.38%	1.13%	-69.97%
Long-Term Investments	1.57B	1.73B	1.81B	2.08B	2.34B	2.43B	3.22B	3.94B	29.26M
Accounts Receivables	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles	45.37M	43.95M	42.65M	49.62M	102.61M	101.67M	190.29M	188.2M	185.3M
Goodwill	38.2M	38.2M	38.2M	45.77M	94.24M	94.64M	167.45M	167.45M	167.45M
Intangible Assets	7.17M	5.75M	4.44M	3.84M	8.37M	7.03M	22.84M	20.75M	17.85M
PP&E (Net)	22.29M	21.21M	23.82M	25.62M	37.52M	30.76M	44.36M	52.27M	0
Other Assets	109.78M	112.85M	119.67M	317.61M	209.1M	234.72M	294.5M	286.58M	4.94B
Total Current Assets	410.72M	420.23M	455.46M	596.1M	1.46B	1.29B	1.33B	651.92M	92.36M
Total Non-Current Assets	1.75B	1.91B	1.99B	2.48B	2.69B	2.79B	3.75B	4.47B	5.15B
Total Assets	2.16B▲ 0%	2.33B▲ 7.9%	2.45B▲ 5.2%	3.07B▲ 25.4%	4.14B▲ 34.9%	4.08B▼ 1.5%	5.08B▲ 24.4%	5.12B▲ 0.8%	5.25B▲ 2.5%
Asset Growth %	9.81%	7.86%	5.17%	25.4%	34.89%	-1.46%	24.4%	0.8%	2.48%
Return on Assets (ROA)	1.1%	1.45%	1.5%	1.52%	1.44%	1.47%	1.09%	0.9%	1.05%
Accounts Payable	0	0	0	0	0	0	0	0	0
Total Debt	296.56M	250.79M	122.2M	78.91M	87.76M	183.21M	443.66M	391.15M	367.73M
Net Debt	278.77M	232.75M	98.97M	58.4M	58.61M	161.82M	414.77M	370.72M	347.25M
Long-Term Debt	6.99M	6.03M	45.15M	76.39M	87.76M	88.21M	88.66M	86.15M	86.73M
Short-Term Debt	289.56M	244.76M	77.05M	2.52M	0	95M	355M	305M	281M
Other Liabilities	15.72M	16.03M	18.69M	31.27M	35.32M	44.93M	52.89M	54.97M	4.39B
Total Current Liabilities	1.89B	2.04B	2.09B	2.61B	3.55B	3.66B	4.53B	4.57B	282.38M
Total Non-Current Liabilities	22.71M	22.07M	63.84M	107.65M	123.08M	133.14M	141.55M	141.12M	4.48B
Total Liabilities	1.92B	2.07B	2.15B	2.72B	3.67B	3.79B	4.67B	4.71B	4.76B
Total Equity	242.07M▲ 0%	262.32M▲ 8.4%	299.31M▲ 14.1%	350.1M▲ 17.0%	472.43M▲ 34.9%	292.3M▼ 38.1%	404.42M▲ 38.4%	406.03M▲ 0.4%	485.73M▲ 19.6%
Equity Growth %	13.53%	8.36%	14.1%	16.97%	34.94%	-38.13%	38.36%	0.4%	19.63%
Equity / Assets (Capital Ratio)	11.21%	11.26%	12.22%	11.4%	11.4%	7.16%	7.96%	7.93%	9.26%
Return on Equity (ROE)	9.98%	12.91%	12.73%	12.9%	12.61%	15.85%	14.33%	11.34%	12.24%
Book Value per Share	8.76	9.38	10.74	12.33	16.13	8.61	10.78	10.82	12.91
Tangible BV per Share	7.12	7.81	9.21	10.58	12.63	5.62	5.71	5.81	7.98
Common Stock	186.9M	186.16M	186.34M	208.76M	306.12M	305.34M	365.31M	366.06M	366.63M
Additional Paid-in Capital	186.9M	186.16M	0	0	0	0	0	0	0
Retained Earnings	59.21M	83.63M	108.85M	138.07M	173.9M	212.38M	236.76M	257.17M	286.2M
Accumulated OCI	-186.31M	-190.19M	9.83M	22.03M	9.29M	-210.49M	-172.55M	-193.26M	-144.07M
Treasury Stock	-4.63M	-3.44M	-5.71M	-18.77M	-16.88M	-14.93M	-25.09M	-23.94M	-23.02M
Preferred Stock	0	0	0	0	0	0	0	0	0

FMNB Cash Flow Statement

Farmers National Banc Corp. (FMNB) cash flow — operating, investing & free cash flow history

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	30.57M	38.76M	38.76M	49.07M	54.93M	81.5M	62.93M	66.61M	60.04M
Operating CF Growth %	24.78%	26.82%	-0.01%	26.59%	11.96%	48.36%	-22.79%	5.86%	-9.87%
Net Income	22.71M	32.57M	35.76M	41.88M	51.84M	60.6M	49.93M	45.95M	54.59M
Depreciation & Amortization	3.14M	2.99M	2.84M	3.12M	3.54M	4.9M	7.33M	6.4M	0
Deferred Taxes	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	4.49M	3.67M	3.24M	9.06M	6.44M	6.31M	6.29M	7.26M	16.23M
Working Capital Changes	-2.14M	-2.14M	-4.46M	-6.43M	-8.08M	7.88M	-3.24M	4.37M	-10.77M
Cash from Investing	-137.11M	-179.32M	-93.15M	-159.89M	-423.61M	-205.51M	77.94M	-95.13M	-78.85M
Purchase of Investments	-114.6M	-70.88M	-84.99M	-177.05M	-851.13M	-242.38M	-2.59M	-107.99M	0
Sale/Maturity of Investments	97.6M	53.25M	70.31M	121.53M	111.07M	118.27M	145.97M	111.34M	0
Net Investment Activity	-17M	-17.63M	-14.68M	-55.53M	-740.05M	-124.12M	143.38M	3.35M	0
Acquisitions	16.2M	0	0	-2.2M	83.77M	-1.03M	-13.18M	-600K	0
Other Investing	-135.36M	-161.24M	-77.01M	-98.46M	234.04M	-77.8M	-48.39M	-86.18M	-78.85M
Cash from Financing	122.38M	140.87M	67.22M	294.68M	226.85M	86.77M	-112.76M	10.59M	25.43M
Dividends Paid	-6.01M	-8.32M	-10.54M	-12.65M	-14.07M	-22M	-25.4M	-25.39M	-25.47M
Share Repurchases	0	-1.23M	-2.84M	-14.24M	-164K	0	-11.54M	-880K	0
Stock Issued	0	0	0	0	0	0	0	0	0
Net Stock Activity	0	-1.23M	-2.84M	-14.24M	-164K	0	-11.54M	-880K	0
Debt Issuance (Net)	1000K	-1000K	-1000K	-1000K	2K	1000K	1000K	-1000K	-1000K
Other Financing	45.38M	195M	209.24M	418.66M	241.08M	13.77M	-260.82M	89.39M	74.89M
Net Change in Cash	15.84M▲ 0%	312K▼ 98.0%	12.83M▲ 4013.5%	183.86M▲ 1332.6%	-141.83M▼ 177.1%	-37.24M▲ 73.7%	28.11M▲ 175.5%	-17.92M▼ 163.8%	6.62M▲ 136.9%
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	41.78M	57.61M	57.93M	70.76M	254.62M	112.79M	75.55M	103.66M	85.74M
Cash at End	57.61M	57.93M	70.76M	254.62M	112.79M	75.55M	103.66M	85.74M	92.36M
Interest Paid	6.75M	12.91M	19.53M	16.52M	8.48M	16.46M	78.52M	101.25M	0
Income Taxes Paid	8.8M	7.3M	6.45M	9M	12.5M	10.1M	6.7M	0	0
Free Cash Flow	29.61M▲ 0%	38.31M▲ 29.4%	37.3M▼ 2.6%	45.37M▲ 21.6%	53.56M▲ 18.0%	78.94M▲ 47.4%	59.05M▼ 25.2%	54.92M▼ 7.0%	52.18M▼ 5.0%
FCF Growth %	25.96%	29.4%	-2.64%	21.63%	18.05%	47.4%	-25.2%	-6.99%	-4.99%

FMNB Banking Ratios

Farmers National Banc Corp. (FMNB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	10%	9.98%	12.91%	12.73%	12.9%	12.61%	15.85%	14.33%	11.34%	12.24%
Return on Assets (ROA)	1.07%	1.1%	1.45%	1.5%	1.52%	1.44%	1.47%	1.09%	0.9%	1.05%
Net Interest Margin	3.44%	3.39%	3.34%	3.34%	3.11%	2.59%	3.02%	2.67%	2.48%	2.72%
Efficiency Ratio	62.1%	58.51%	53.48%	49.91%	49.15%	51.2%	48.36%	43.81%	39.6%	39.86%
Equity / Assets	10.84%	11.21%	11.26%	12.22%	11.4%	11.4%	7.16%	7.96%	7.93%	9.26%
Book Value / Share	7.9	8.76	9.38	10.74	12.33	16.13	8.61	10.78	10.82	12.91
NII Growth	36.71%	8.14%	6.48%	5.01%	17%	12.38%	14.7%	10.14%	-6.54%	12.23%
Dividend Payout	21.04%	26.47%	25.53%	29.47%	30.22%	27.14%	36.31%	50.86%	55.25%	46.65%

FMNB SEC Filings & Documents

Farmers National Banc Corp. (FMNB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Apr 22, 2026·SEC

Material company update

Apr 16, 2026·SEC

Material company update

Mar 17, 2026·SEC

10-K Annual Reports

FY 2026

Mar 5, 2026·SEC

FY 2025

Mar 6, 2025·SEC

FY 2024

Mar 7, 2024·SEC

10-Q Quarterly Reports

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 7, 2025·SEC

FY 2025

May 8, 2025·SEC

FMNB Frequently Asked Questions

Farmers National Banc Corp. (FMNB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Farmers National Banc Corp. (FMNB) grew revenue by 0.9% over the past year. Growth has been modest.

Yes, Farmers National Banc Corp. (FMNB) is profitable, generating $54.6M in net income for fiscal year 2025 (20.1% net margin).

Dividend & Returns

Yes, Farmers National Banc Corp. (FMNB) pays a dividend with a yield of 4.79%. This makes it attractive for income-focused investors.

Farmers National Banc Corp. (FMNB) has a return on equity (ROE) of 12.2%. This is reasonable for most industries.

Industry Metrics

Farmers National Banc Corp. (FMNB) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.

Farmers National Banc Corp. (FMNB) has an efficiency ratio of 39.9%. This is excellent, indicating strong cost control.

What if you invested $1,000 in FMNB back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in FMNB be worth today?

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Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

Apr 22, 2026

$0.45vs $0.37+21.6%

$56Mvs $55M+2.7%

Q1 2026

Feb 4, 2026

$0.39vs $0.47-17.0%

$70M

Q1 2026

Jan 28, 2026

$0.40vs $0.47-14.9%

$49Mvs $51M-3.1%

Q4 2025

Oct 22, 2025

$0.42vs $0.41+2.4%

$48Mvs $51M-6.4%

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Net Interest Income

73.11M

77.85M

81.75M

95.65M

107.49M

123.3M

135.8M

126.92M

142.44M

NII Growth %

8.14%

6.48%

5.01%

17%

12.38%

14.7%

10.14%

-6.54%

12.23%

Net Interest Margin %

3.39%

3.34%

3.11%

2.59%

3.02%

2.67%

2.48%

2.72%

Interest Income

79.99M

91.11M

101.36M

111.78M

115.96M

141.22M

211.35M

226.28M

233.79M

Interest Expense

6.88M

13.27M

19.61M

16.14M

8.47M

17.92M

75.55M

99.36M

91.35M

Loan Loss Provision

3.35M

2.45M

9.1M

4.89M

1.12M

9.15M

7.97M

7.07M

Non-Interest Income

24.59M

26.15M

28.67M

36.7M

38.69M

36.7M

43.85M

43.17M

38.03M

Non-Interest Income %

23.51%

22.3%

22.05%

24.72%

25.02%

20.63%

17.18%

16.02%

13.99%

Total Revenue

104.58M▲ 0%

117.27M▲ 12.1%

130.03M▲ 10.9%

148.49M▲ 14.2%

154.65M▲ 4.2%

177.91M▲ 15.0%

255.2M▲ 43.4%

269.45M▲ 5.6%

271.83M▲ 0.9%

Revenue Growth %

9.23%

12.13%

10.88%

14.2%

4.15%

15.04%

43.44%

5.58%

0.88%

Non-Interest Expense

61.19M

62.72M

64.89M

72.98M

79.18M

86.04M

111.8M

106.69M

108.36M

Efficiency Ratio

58.51%

53.48%

49.91%

49.15%

51.2%

48.36%

43.81%

39.6%

39.86%

Operating Income

33.16M▲ 0%

38.28M▲ 15.4%

43.08M▲ 12.5%

50.27M▲ 16.7%

62.11M▲ 23.6%

72.83M▲ 17.3%

58.7M▼ 19.4%

55.43M▼ 5.6%

65.05M▲ 17.4%

Operating Margin %

31.71%

32.65%

33.13%

33.86%

40.16%

40.94%

23%

20.57%

23.93%

Operating Income Growth %

18.25%

15.45%

12.52%

16.71%

23.56%

17.26%

-19.41%

-5.57%

17.35%

Pretax Income

33.16M▲ 0%

38.28M▲ 15.4%

43.08M▲ 12.5%

50.27M▲ 16.7%

62.11M▲ 23.6%

72.83M▲ 17.3%

58.7M▼ 19.4%

55.43M▼ 5.6%

65.05M▲ 17.4%

Pretax Margin %

31.71%

32.65%

33.13%

33.86%

40.16%

40.94%

23%

20.57%

23.93%

Income Tax

10.45M

5.71M

7.32M

8.4M

10.27M

12.24M

8.77M

9.48M

10.46M

Effective Tax Rate %

31.51%

14.93%

16.98%

16.7%

16.53%

16.8%

14.93%

17.1%

16.08%

Net Income

22.71M▲ 0%

32.57M▲ 43.4%

35.76M▲ 9.8%

41.88M▲ 17.1%

51.84M▲ 23.8%

60.6M▲ 16.9%

49.93M▼ 17.6%

45.95M▼ 8.0%

54.59M▲ 18.8%

Net Margin %

21.72%

27.77%

27.5%

28.2%

33.52%

34.06%

19.57%

17.05%

20.08%

Net Income Growth %

10.48%

43.41%

9.8%

17.1%

23.8%

16.88%

-17.6%

-7.98%

18.8%

Net Income (Continuing)

22.71M

32.57M

35.76M

41.88M

51.84M

60.6M

49.93M

45.95M

54.59M

EPS (Diluted)

0.82▲ 0%

1.16▲ 41.5%

1.28▲ 10.3%

1.47▲ 14.8%

1.77▲ 20.4%

1.79▲ 1.1%

1.33▼ 25.7%

1.22▼ 8.3%

1.45▲ 18.9%

EPS Growth %

7.89%

41.46%

10.34%

14.84%

20.41%

1.13%

-25.7%

-8.27%

18.85%

EPS (Basic)

0.82

1.18

1.29

1.48

1.78

1.79

1.34

1.23

1.46

Diluted Shares Outstanding

27.62M

27.97M

27.88M

28.39M

29.28M

33.93M

37.5M

37.51M

37.63M

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash & Short Term Investments

411.12M

420.23M

455.46M

596.1M

1.46B

1.29B

1.33B

651.92M

1.36B

Cash & Due from Banks

17.79M

18.04M

23.23M

20.5M

29.15M

21.39M

28.9M

20.43M

20.49M

Short Term Investments

393.33M

402.19M

432.23M

575.6M

1.43B

1.27B

1.3B

631.5M

1.34B

Total Investments

1.96B

2.13B

2.24B

2.66B

3.76B

3.69B

4.52B

4.57B

1.37B

Investments Growth %

9.89%

8.6%

5.02%

18.66%

41.64%

-1.88%

22.38%

1.13%

-69.97%

Long-Term Investments

1.57B

1.73B

1.81B

2.08B

2.34B

2.43B

3.22B

3.94B

29.26M

Accounts Receivables

Goodwill & Intangibles

45.37M

43.95M

42.65M

49.62M

102.61M

101.67M

190.29M

188.2M

185.3M

Goodwill

38.2M

45.77M

94.24M

94.64M

167.45M

Intangible Assets

7.17M

5.75M

4.44M

3.84M

8.37M

7.03M

22.84M

20.75M

17.85M

PP&E (Net)

22.29M

21.21M

23.82M

25.62M

37.52M

30.76M

44.36M

52.27M

Other Assets

109.78M

112.85M

119.67M

317.61M

209.1M

234.72M

294.5M

286.58M

4.94B

Total Current Assets

410.72M

420.23M

455.46M

596.1M

1.46B

1.29B

1.33B

651.92M

92.36M

Total Non-Current Assets

1.75B

1.91B

1.99B

2.48B

2.69B

2.79B

3.75B

4.47B

5.15B

Total Assets

2.16B▲ 0%

2.33B▲ 7.9%

2.45B▲ 5.2%

3.07B▲ 25.4%

4.14B▲ 34.9%

4.08B▼ 1.5%

5.08B▲ 24.4%

5.12B▲ 0.8%

5.25B▲ 2.5%

Asset Growth %

9.81%

7.86%

5.17%

25.4%

34.89%

-1.46%

24.4%

0.8%

2.48%

Return on Assets (ROA)

1.1%

1.45%

1.5%

1.52%

1.44%

1.47%

1.09%

0.9%

1.05%

Accounts Payable

Total Debt

296.56M

250.79M

122.2M

78.91M

87.76M

183.21M

443.66M

391.15M

367.73M

Net Debt

278.77M

232.75M

98.97M

58.4M

58.61M

161.82M

414.77M

370.72M

347.25M

Long-Term Debt

6.99M

6.03M

45.15M

76.39M

87.76M

88.21M

88.66M

86.15M

86.73M

Short-Term Debt

289.56M

244.76M

77.05M

2.52M

95M

355M

305M

281M

Other Liabilities

15.72M

16.03M

18.69M

31.27M

35.32M

44.93M

52.89M

54.97M

4.39B

Total Current Liabilities

1.89B

2.04B

2.09B

2.61B

3.55B

3.66B

4.53B

4.57B

282.38M

Total Non-Current Liabilities

22.71M

22.07M

63.84M

107.65M

123.08M

133.14M

141.55M

141.12M

4.48B

Total Liabilities

1.92B

2.07B

2.15B

2.72B

3.67B

3.79B

4.67B

4.71B

4.76B

Total Equity

242.07M▲ 0%

262.32M▲ 8.4%

299.31M▲ 14.1%

350.1M▲ 17.0%

472.43M▲ 34.9%

292.3M▼ 38.1%

404.42M▲ 38.4%

406.03M▲ 0.4%

485.73M▲ 19.6%

Equity Growth %

13.53%

8.36%

14.1%

16.97%

34.94%

-38.13%

38.36%

0.4%

19.63%

Equity / Assets (Capital Ratio)

11.21%

11.26%

12.22%

11.4%

7.16%

7.96%

7.93%

9.26%

Return on Equity (ROE)

9.98%

12.91%

12.73%

12.9%

12.61%

15.85%

14.33%

11.34%

12.24%

Book Value per Share

8.76

9.38

10.74

12.33

16.13

8.61

10.78

10.82

12.91

Tangible BV per Share

7.12

7.81

9.21

10.58

12.63

5.62

5.71

5.81

7.98

Common Stock

186.9M

186.16M

186.34M

208.76M

306.12M

305.34M

365.31M

366.06M

366.63M

Additional Paid-in Capital

186.9M

186.16M

Retained Earnings

59.21M

83.63M

108.85M

138.07M

173.9M

212.38M

236.76M

257.17M

286.2M

Accumulated OCI

-186.31M

-190.19M

9.83M

22.03M

9.29M

-210.49M

-172.55M

-193.26M

-144.07M

Treasury Stock

-4.63M

-3.44M

-5.71M

-18.77M

-16.88M

-14.93M

-25.09M

-23.94M

-23.02M

Preferred Stock

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash from Operations

30.57M

38.76M

49.07M

54.93M

81.5M

62.93M

66.61M

60.04M

Operating CF Growth %

24.78%

26.82%

-0.01%

26.59%

11.96%

48.36%

-22.79%

5.86%

-9.87%

Net Income

22.71M

32.57M

35.76M

41.88M

51.84M

60.6M

49.93M

45.95M

54.59M

Depreciation & Amortization

3.14M

2.99M

2.84M

3.12M

3.54M

4.9M

7.33M

6.4M

Deferred Taxes

Other Non-Cash Items

4.49M

3.67M

3.24M

9.06M

6.44M

6.31M

6.29M

7.26M

16.23M

Working Capital Changes

-2.14M

-4.46M

-6.43M

-8.08M

7.88M

-3.24M

4.37M

-10.77M

Cash from Investing

-137.11M

-179.32M

-93.15M

-159.89M

-423.61M

-205.51M

77.94M

-95.13M

-78.85M

Purchase of Investments

-114.6M

-70.88M

-84.99M

-177.05M

-851.13M

-242.38M

-2.59M

-107.99M

Sale/Maturity of Investments

97.6M

53.25M

70.31M

121.53M

111.07M

118.27M

145.97M

111.34M

Net Investment Activity

-17M

-17.63M

-14.68M

-55.53M

-740.05M

-124.12M

143.38M

3.35M

Acquisitions

16.2M

-2.2M

83.77M

-1.03M

-13.18M

-600K

Other Investing

-135.36M

-161.24M

-77.01M

-98.46M

234.04M

-77.8M

-48.39M

-86.18M

-78.85M

Cash from Financing

122.38M

140.87M

67.22M

294.68M

226.85M

86.77M

-112.76M

10.59M

25.43M

Dividends Paid

-6.01M

-8.32M

-10.54M

-12.65M

-14.07M

-22M

-25.4M

-25.39M

-25.47M

Share Repurchases

-1.23M

-2.84M

-14.24M

-164K

-11.54M

-880K

Stock Issued

Net Stock Activity

-1.23M

-2.84M

-14.24M

-164K

-11.54M

-880K

Debt Issuance (Net)

1000K

-1000K

1000K

-1000K

Other Financing

45.38M

195M

209.24M

418.66M

241.08M

13.77M

-260.82M

89.39M

74.89M

Net Change in Cash

15.84M▲ 0%

312K▼ 98.0%

12.83M▲ 4013.5%

183.86M▲ 1332.6%

-141.83M▼ 177.1%

-37.24M▲ 73.7%

28.11M▲ 175.5%

-17.92M▼ 163.8%

6.62M▲ 136.9%

Exchange Rate Effect

Cash at Beginning

41.78M

57.61M

57.93M

70.76M

254.62M

112.79M

75.55M

103.66M

85.74M

Cash at End

57.61M

57.93M

70.76M

254.62M

112.79M

75.55M

103.66M

85.74M

92.36M

Interest Paid

6.75M

12.91M

19.53M

16.52M

8.48M

16.46M

78.52M

101.25M

Income Taxes Paid

8.8M

7.3M

6.45M

12.5M

10.1M

6.7M

Free Cash Flow

29.61M▲ 0%

38.31M▲ 29.4%

37.3M▼ 2.6%

45.37M▲ 21.6%

53.56M▲ 18.0%

78.94M▲ 47.4%

59.05M▼ 25.2%

54.92M▼ 7.0%

52.18M▼ 5.0%

FCF Growth %

25.96%

29.4%

-2.64%

21.63%

18.05%

47.4%

-25.2%

-6.99%

-4.99%

Metric

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

Return on Equity (ROE)

10%

9.98%

12.91%

12.73%

12.9%

12.61%

15.85%

14.33%

11.34%

12.24%

Return on Assets (ROA)

1.07%

1.1%

1.45%

1.5%

1.52%

1.44%

1.47%

1.09%

0.9%

1.05%

Net Interest Margin

3.44%

3.39%

3.34%

3.11%

2.59%

3.02%

2.67%

2.48%

2.72%

Efficiency Ratio

62.1%

58.51%

53.48%

49.91%

49.15%

51.2%

48.36%

43.81%

39.6%

39.86%

Equity / Assets

10.84%

11.21%

11.26%

12.22%

11.4%

7.16%

7.96%

7.93%

9.26%

Book Value / Share

7.9

8.76

9.38

10.74

12.33

16.13

8.61

10.78

10.82

12.91

NII Growth

36.71%

8.14%

6.48%

5.01%

17%

12.38%

14.7%

10.14%

-6.54%

12.23%

Dividend Payout

21.04%

26.47%

25.53%

29.47%

30.22%

27.14%

36.31%

50.86%

55.25%

46.65%

Farmers National Banc Corp.(FMNB)Earnings, Financials & Key Ratios

FMNB Key Insights

✓Strengths

✗Weaknesses

FMNB Price & Volume

FMNB Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

FMNB Recent Earnings

FMNB Peer Comparison

Compare FMNB vs Peers

vs OVBC

vs ICE

Compare Top 5

FMNB Income Statement

FMNB Balance Sheet

FMNB Cash Flow Statement

FMNB Banking Ratios

FMNB SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

FMNB Frequently Asked Questions

Farmers National Banc Corp.(FMNB)Earnings, Financials & Key Ratios

FMNB Key Insights

✓Strengths

✗Weaknesses

FMNB Price & Volume

FMNB Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

FMNB Recent Earnings

FMNB Peer Comparison

Compare FMNB vs Peers

vs OVBC

vs ICE

Compare Top 5

FMNB Income Statement

FMNB Balance Sheet

FMNB Cash Flow Statement

FMNB Banking Ratios

FMNB SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

FMNB Frequently Asked Questions