Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Farmers National Banc Corp.'s quarterly P/E stands at 8.5x, down 8.7% year-over-year.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.75 | 8.54 | 10.92 | 9.32 | 9.06 | 9.36 | 16.43 | 10.07 | 11.13 | 9.26 | 8.03 | 7.73 | 16.63 |
| — | -8.7% | -33.6% | -7.5% | -18.6% | +1.0% | +104.7% | +30.3% | -33.1% | +2.3% | +12.8% | -3.1% | +83.3% | |
| P/S Ratio | 2.04 | 1.80 | 1.92 | 1.86 | 1.82 | 1.93 | 2.02 | 1.76 | 1.97 | 2.02 | 1.69 | 1.85 | 1.94 |
| — | -6.5% | -5.1% | +5.5% | -8.0% | -4.4% | +19.8% | -5.0% | +1.5% | -22.4% | -31.3% | -36.2% | -42.8% | |
| P/B Ratio | 1.10 | 1.03 | 1.17 | 1.19 | 1.15 | 1.32 | 1.29 | 1.18 | 1.26 | 1.34 | 1.37 | 1.26 | 1.28 |
| — | -21.5% | -9.8% | +0.4% | -9.1% | -1.8% | -5.5% | -6.2% | -1.5% | -18.5% | -18.2% | -20.5% | -12.9% | |
| P/FCF | 10.65 | 11.36 | 15.03 | 10.44 | 10.11 | 15.19 | 7.01 | 8.54 | 10.29 | 11.33 | 6.42 | 7.23 | 8.75 |
| — | -25.2% | +114.4% | +22.2% | -1.8% | +34.0% | +9.1% | +18.1% | +17.6% | +96.2% | +9.9% | +45.0% | -22.3% | |
| EV / EBITDA | 13.88 | 11.98 | 12.87 | 10.91 | 9.21 | 11.62 | 19.72 | 15.01 | 15.13 | 12.41 | 7.15 | 10.35 | 19.28 |
| — | +3.1% | -34.8% | -27.3% | -39.1% | -6.4% | +175.9% | +45.0% | -21.5% | +35.5% | -14.6% | +34.2% | +141.9% | |
| EV / EBIT | 13.88 | 11.98 | 14.36 | 12.07 | 10.12 | 12.80 | 22.65 | 16.59 | 16.94 | 13.49 | 7.92 | 11.64 | 24.02 |
| — | -6.4% | -36.6% | -27.2% | -40.3% | -5.1% | +186.0% | +42.5% | -29.5% | +35.4% | -10.8% | +42.2% | +184.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Farmers National Banc Corp.'s operating margin was 25.5% in Q4 2025, up 4.8 pp QoQ and down 0.1 pp YoY. The trailing four-quarter average of 23.4% lags the current quarter, suggesting the recent improvement is above-trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 63.8% | 64.5% | 65.4% | 62.3% | 66.2% | 63.3% | 53.0% | 61.0% | 63.9% | 66.5% | 67.7% | 70.7% | 62.3% |
| — | +2.0% | +23.5% | +2.1% | +3.7% | -4.9% | -21.8% | -13.6% | +2.4% | -17.3% | -23.8% | -23.8% | -35.1% | |
| Operating Margin | 23.9% | 25.5% | 20.7% | 23.4% | 24.1% | 25.5% | 14.4% | 21.3% | 21.2% | 26.4% | 24.4% | 28.3% | 12.5% |
| — | -0.2% | +43.4% | +9.7% | +13.7% | -3.3% | -40.9% | -24.7% | +69.6% | -24.2% | -41.1% | -35.2% | -71.7% | |
| Net Margin | 20.1% | 21.0% | 17.6% | 19.9% | 20.0% | 20.8% | 12.1% | 17.7% | 17.7% | 21.7% | 20.8% | 24.0% | 11.5% |
| — | +1.2% | +44.9% | +12.4% | +13.0% | -4.3% | -41.6% | -26.2% | +54.5% | -24.8% | -39.1% | -34.0% | -69.2% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.2% | 3.1% | 2.8% | 3.2% | 3.3% | 3.4% | 2.0% | 3.0% | 2.8% | 4.0% | 3.9% | 4.0% | 2.1% |
| — | -9.6% | +35.1% | +8.1% | +15.9% | -15.9% | -47.7% | -26.4% | +32.2% | -15.5% | -25.9% | -9.5% | -42.0% | |
| ROA | 1.1% | 0.3% | 0.2% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% | 0.2% |
| — | +0.5% | +45.7% | +16.9% | +19.4% | -4.2% | -38.1% | -21.7% | +43.8% | -10.9% | -29.3% | -23.3% | -59.5% | |
| ROIC | 5.9% | 1.6% | 1.4% | 1.8% | 1.7% | 1.6% | 0.9% | 1.2% | 1.2% | 2.1% | 2.0% | 1.9% | 1.0% |
| — | -1.7% | +62.4% | +47.7% | +44.3% | -22.3% | -55.9% | -33.6% | +18.7% | -13.6% | -30.4% | -39.0% | -62.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Farmers National Banc Corp.'s Debt/EBITDA ratio is 20.7x, up from 19.7x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 129.4% YoY to 0.33x, strengthening the short-term liquidity position. Debt/Equity has risen for 4 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.76 | 0.76 | 0.69 | 0.66 | 0.44 | 0.96 | 0.84 | 1.25 | 1.09 | 1.10 | 0.28 | 1.06 | 0.78 |
| — | -21.4% | -18.2% | -47.0% | -59.8% | -12.2% | +201.1% | +17.9% | +40.0% | +75.0% | -69.4% | +146.6% | +249.8% | |
| Debt / EBITDA | 5.65 | 20.74 | 19.69 | 16.03 | 10.48 | 20.08 | 31.89 | 31.62 | 28.79 | 23.02 | 5.11 | 19.60 | 30.41 |
| — | +3.3% | -38.3% | -49.3% | -63.6% | -12.8% | +523.7% | +61.3% | -5.3% | +120.4% | -58.2% | +188.2% | +592.3% | |
| Current Ratio | 0.33 | 0.33 | 0.17 | 0.15 | 0.15 | 0.14 | 0.28 | 0.28 | 0.28 | 0.29 | 0.27 | 0.29 | 0.30 |
| — | +129.4% | -39.7% | -45.9% | -47.4% | -51.4% | +3.3% | -6.5% | -5.5% | -16.9% | -22.5% | -21.7% | -25.5% | |
| Quick Ratio | 0.33 | 0.33 | 0.17 | 0.15 | 0.15 | 0.14 | 0.28 | 0.28 | 0.28 | 0.29 | 0.27 | 0.29 | 0.30 |
| — | +129.4% | -39.7% | -45.9% | -47.4% | -51.4% | +3.3% | -6.5% | -5.5% | -16.9% | -22.5% | -21.7% | -25.5% | |
| Interest Coverage | 0.71 | 0.79 | 0.63 | 0.72 | 0.71 | 0.70 | 0.39 | 0.57 | 0.58 | 0.80 | 0.76 | 0.97 | 0.53 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying FMNB stock.
Farmers National Banc Corp.'s current P/E is 9.8x. The average P/E over the last 4 quarters is 9.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Farmers National Banc Corp.'s current operating margin is 23.9%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Farmers National Banc Corp.'s business trajectory between earnings reports.