8-K Announcements
6Apr 22, 2026·SEC
Apr 16, 2026·SEC
Mar 17, 2026·SEC
Farmers National Banc Corp. (FMNB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Farmers National Banc Corp. (FMNB) stock price & volume — 10-year historical chart
Farmers National Banc Corp. (FMNB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Farmers National Banc Corp. (FMNB) EPS & revenue vs analyst estimates — last 4 quarters
| 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% |
Farmers National Banc Corp. (FMNB) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
Farmers National Banc Corp. (FMNB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Farmers National Banc Corp. (FMNB) annual income statement — 10-year revenue, gross profit & net income history
| Line item | 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 |
Farmers National Banc Corp. (FMNB) balance sheet — assets, liabilities & shareholders' equity
| Line item | 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 |
Farmers National Banc Corp. (FMNB) cash flow — operating, investing & free cash flow history
| Line item | 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% |
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% |
Farmers National Banc Corp. (FMNB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 22, 2026·SEC
Apr 16, 2026·SEC
Mar 17, 2026·SEC
Farmers National Banc Corp. (FMNB) stock FAQ — growth, dividends, profitability & financials explained
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).
Yes, Farmers National Banc Corp. (FMNB) pays a dividend with a yield of 4.76%. 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.
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.
Farmers National Banc Corp. (FMNB) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates