Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.35 | 15.03 | 9.36 | 9.14 | 8.54 | 10.92 | 9.32 | 9.06 | 9.36 | 16.43 | 10.07 | 11.13 | 9.26 | 8.03 | 7.73 | 16.63 | 9.05 | 7.11 | 7.98 | 9.07 | 25.76 |
| — | +37.7% | +0.4% | +0.8% | -8.7% | -33.6% | -7.5% | -18.6% | +1.0% | +104.7% | +30.3% | -33.1% | +2.3% | +12.8% | -3.1% | +83.3% | -64.9% | +1.4% | +13.2% | +10.8% | +210.6% | |
| P/S Ratio | 3.12 | 4.15 | 3.07 | 3.06 | 2.66 | 2.84 | 2.76 | 2.75 | 3.03 | 3.21 | 2.81 | 3.13 | 3.01 | 2.48 | 2.62 | 2.55 | 3.19 | 2.73 | 3.09 | 3.57 | 3.80 |
| — | +46.1% | +11.3% | +11.0% | -12.2% | -11.5% | -1.8% | -11.9% | +0.5% | +29.6% | +7.2% | +22.7% | -5.7% | -9.4% | -15.1% | -28.6% | -15.8% | -12.7% | +1.1% | +6.8% | +47.0% | |
| P/B Ratio | 1.19 | 1.24 | 1.10 | 0.77 | 1.03 | 1.17 | 1.19 | 1.15 | 1.32 | 1.29 | 1.18 | 1.26 | 1.34 | 1.37 | 1.26 | 1.28 | 1.65 | 1.67 | 1.58 | 1.47 | 1.26 |
| — | +6.8% | -6.9% | -32.9% | -21.5% | -9.8% | +0.4% | -9.1% | -1.8% | -5.5% | -6.2% | -1.5% | -18.5% | -18.2% | -20.5% | -12.9% | +30.6% | +41.7% | +32.1% | +7.9% | +17.0% | |
| P/FCF | 8.40 | 7.42 | 8.33 | 20.83 | 6.77 | 15.03 | 10.44 | 10.11 | 15.19 | 7.01 | 8.54 | 10.29 | 11.33 | 6.42 | 7.23 | 8.75 | 5.78 | 5.84 | 4.99 | 11.26 | 10.58 |
| — | -50.6% | -20.2% | +106.0% | -55.5% | +114.4% | +22.2% | -1.8% | +34.0% | +9.1% | +18.1% | +17.6% | +96.2% | +9.9% | +45.0% | -22.3% | -45.4% | -15.2% | -25.1% | -35.1% | +161.1% | |
| EV / EBITDA | 11.90 | 19.79 | 9.99 | 11.36 | 10.91 | 12.87 | 10.91 | 9.21 | 11.62 | 19.72 | 15.01 | 15.13 | 12.41 | 7.15 | 10.35 | 19.28 | 9.16 | 8.37 | 7.71 | 7.97 | 22.32 |
| — | +53.8% | -8.5% | +23.4% | -6.1% | -34.8% | -27.3% | -39.1% | -6.4% | +175.9% | +45.0% | -21.5% | +35.5% | -14.6% | +34.2% | +141.9% | -59.0% | +44.5% | +22.9% | +11.0% | +197.8% | |
| EV / EBIT | 15.88 | 19.79 | 11.01 | 12.50 | 11.98 | 14.36 | 12.07 | 10.12 | 12.80 | 22.65 | 16.59 | 16.94 | 13.49 | 7.92 | 11.64 | 24.02 | 9.97 | 8.88 | 8.19 | 8.46 | 26.31 |
| — | +37.8% | -8.8% | +23.5% | -6.4% | -36.6% | -27.2% | -40.3% | -5.1% | +186.0% | +42.5% | -29.5% | +35.4% | -10.8% | +42.2% | +184.0% | -62.1% | +46.9% | +25.1% | +12.8% | +231.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 96.1% | 94.8% | 96.5% | 102.1% | 95.1% | 97.0% | 92.5% | 100.5% | 99.3% | 84.2% | 97.3% | 101.1% | 99.4% | 99.4% | 99.9% | 81.7% | 98.9% | 98.9% | 98.5% | 100.9% | 86.3% |
| — | -2.3% | +4.4% | +1.7% | -4.2% | +15.3% | -5.0% | -0.7% | -0.0% | -15.4% | -2.6% | +23.7% | +0.5% | +0.6% | +1.5% | -19.0% | +14.6% | -3.7% | -1.4% | +2.1% | -6.0% | |
| Operating Margin | 36.0% | 30.6% | 37.2% | 41.4% | 37.5% | 30.7% | 34.7% | 36.6% | 40.1% | 22.9% | 34.0% | 33.6% | 39.4% | 35.9% | 40.0% | 16.4% | 42.8% | 46.2% | 46.4% | 46.5% | 15.8% |
| — | -0.1% | +7.3% | +13.0% | -6.3% | +33.8% | +2.1% | +9.0% | +1.6% | -36.1% | -15.1% | +104.9% | -8.0% | -22.4% | -13.8% | -64.7% | +170.3% | -15.2% | -11.5% | -6.8% | -57.8% | |
| Net Margin | 30.2% | 27.1% | 32.7% | 33.7% | 31.0% | 26.1% | 29.6% | 30.4% | 32.6% | 19.3% | 28.3% | 28.1% | 32.4% | 30.5% | 34.0% | 15.0% | 35.5% | 38.0% | 38.7% | 39.1% | 14.6% |
| — | +3.8% | +10.6% | +10.8% | -5.0% | +35.2% | +4.6% | +8.3% | +0.6% | -36.8% | -16.8% | +86.6% | -8.7% | -19.7% | -12.2% | -61.5% | +143.9% | -15.5% | -10.5% | -5.0% | -53.3% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.2% | 1.9% | 3.0% | 2.6% | 3.1% | 2.8% | 3.2% | 3.3% | 3.4% | 2.0% | 3.0% | 2.8% | 4.0% | 3.9% | 4.0% | 2.1% | 4.8% | 5.3% | 4.5% | 3.7% | 1.3% |
| — | -29.7% | -7.4% | -20.1% | -9.6% | +35.1% | +8.1% | +15.9% | -15.9% | -47.7% | -26.4% | +32.2% | -15.5% | -25.9% | -9.5% | -42.0% | +256.8% | +22.3% | +2.3% | -12.4% | -59.2% | |
| ROA | 1.1% | 0.2% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.4% | 0.4% | 0.4% | 0.2% |
| — | -14.8% | +19.5% | -0.9% | +0.5% | +45.7% | +16.9% | +19.4% | -4.2% | -38.1% | -21.7% | +43.8% | -10.9% | -29.3% | -23.3% | -59.5% | +113.0% | -22.9% | -19.0% | -16.6% | -59.2% | |
| ROIC | 5.9% | 1.0% | 1.6% | 1.4% | 1.6% | 1.4% | 1.8% | 1.7% | 1.6% | 0.9% | 1.2% | 1.2% | 2.1% | 2.0% | 1.9% | 1.0% | 2.5% | 2.9% | 3.0% | 2.7% | 0.9% |
| — | -31.4% | -11.9% | -16.4% | -1.7% | +62.4% | +47.7% | +44.3% | -22.3% | -55.9% | -33.6% | +18.7% | -13.6% | -30.4% | -39.0% | -62.7% | +160.4% | -12.7% | -6.2% | -12.3% | -61.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.76 | 0.73 | 0.58 | 0.58 | 0.76 | 0.69 | 0.66 | 0.44 | 0.96 | 0.84 | 1.25 | 1.09 | 1.10 | 0.28 | 1.06 | 0.78 | 0.63 | 0.92 | 0.43 | 0.22 | 0.19 |
| — | +5.5% | -12.1% | +32.7% | -21.4% | -18.2% | -47.0% | -59.8% | -12.2% | +201.1% | +17.9% | +40.0% | +75.0% | -69.4% | +146.6% | +249.8% | +237.4% | +595.9% | +101.0% | -2.8% | -17.6% | |
| Debt / EBITDA | 5.12 | 31.74 | 15.74 | 20.32 | 18.89 | 19.69 | 16.03 | 10.48 | 20.08 | 31.89 | 31.62 | 28.79 | 23.02 | 5.11 | 19.60 | 30.41 | 10.44 | 12.22 | 6.80 | 4.39 | 11.99 |
| — | +61.2% | -1.8% | +93.9% | -5.9% | -38.3% | -49.3% | -63.6% | -12.8% | +523.7% | +61.3% | -5.3% | +120.4% | -58.2% | +188.2% | +592.3% | -12.9% | +397.1% | +70.8% | +1.7% | +120.5% | |
| Current Ratio | 0.33 | 0.24 | 0.46 | 0.11 | 0.33 | 0.17 | 0.15 | 0.15 | 0.14 | 0.28 | 0.28 | 0.28 | 0.29 | 0.27 | 0.29 | 0.30 | 0.35 | 0.35 | 0.38 | 0.40 | 0.41 |
| — | +42.8% | +206.0% | -25.5% | +129.4% | -39.7% | -45.9% | -47.4% | -51.4% | +3.3% | -6.5% | -5.5% | -16.9% | -22.5% | -21.7% | -25.5% | -14.1% | -16.3% | +2.6% | +38.9% | +80.1% | |
| Quick Ratio | 0.33 | 0.24 | 0.46 | 0.11 | 0.33 | 0.17 | 0.15 | 0.15 | 0.14 | 0.28 | 0.28 | 0.28 | 0.29 | 0.27 | 0.29 | 0.30 | 0.35 | 0.35 | 0.38 | 0.40 | 0.41 |
| — | +42.8% | +206.0% | -25.5% | +129.4% | -39.7% | -45.9% | -47.4% | -51.4% | +3.3% | -6.5% | -5.5% | -16.9% | -22.5% | -21.7% | -25.5% | -14.1% | -16.3% | +2.6% | +38.9% | +80.1% | |
| Interest Coverage | 0.71 | 0.54 | 0.87 | 0.81 | 0.79 | 0.63 | 0.72 | 0.71 | 0.70 | 0.39 | 0.57 | 0.58 | 0.80 | 0.76 | 0.97 | 0.53 | 1.86 | 4.05 | 7.42 | 9.25 | 3.13 |
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Includes 30+ ratios · 48 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 13.4x. The average P/E over the last 4 quarters is 10.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Farmers National Banc Corp.'s current operating margin is 36.0%. Margins have been compressing 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.