Farmers National Banc Corp. (FMNB) Total Return Calculator with Dividends Reinvested

Farmers National Banc Corp.

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The total return for Farmers National Banc Corp. (FMNB) stock is +15.51% over the past 12 months. So far it's up 9.12% this year. The 5-year total return is +2.71%, meaning $10,000 invested in FMNB stock 5 years ago would be worth $10,271 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in FMNB 1 year ago, it would be worth $11,190 today — you'd have gained $1,190 with dividends reinvested.

With Dividends Reinvested$11,190+11.90%

Price Only (No DRIP)$10,672+6.72%

Dividend Boost+$5184 payments · +5.18% extra

Period2025-06-23 → 2026-06-18

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in FMNB

1Y$11,551+$1,551 (+15.5%)15.5% CAGR

3Y$12,641+$2,641 (+26.4%)8.1% CAGR

5Y$10,271+$271 (+2.7%)0.5% CAGR

10Y$21,249+$11,249 (+112.5%)7.8% CAGR

15Y$42,635+$32,635 (+326.3%)10.2% CAGR

20Y$20,317+$10,317 (+103.2%)3.6% CAGR

30Y$903,861+$893,861 (+8938.6%)16.2% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-09-12	$0.17	$14.71	+0.011557
2025-12-12	$0.17	$14.43	+0.011917
2026-02-13	$0.17	$13.44	+0.012946
2026-06-12	$0.17	$14.53	+0.012126

Loading FMNB total return...

As of 2026-06-22

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+9.12%	—	+6.56%	+2.56 pp	$10,912
1Y	+15.51%	15.51%	+10.21%	+5.30 pp	$11,551
3Y	+26.41%	8.12%	+10.47%	+15.94 pp	$12,641
5Y	+2.71%	0.54%	-16.63%	+19.34 pp	$10,271
10Y	+112.49%	7.83%	+57.64%	+54.85 pp	$21,249
15Y	+326.35%	10.15%	+205.40%	+120.95 pp	$42,635
20Y	+103.17%	3.61%	+32.03%	+71.15 pp	$20,317
30Y	+8938.61%	16.20%	+4775.92%	+4162.69 pp	$903,861

Risk & Highlights

Best Year+2105.26%1999

Worst Year-54.72%2008

Max Drawdown-19.61%2025-09-04 → 2026-03-18

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-1.28%	-2.56%	+1.3pp	+0.41%	-1.7pp
2025	+0.50%	-4.38%	+4.9pp	+16.64%	-16.1pp
2024	+3.62%	-1.11%	+4.7pp	+24.00%	-20.4pp
2023	+4.63%	-0.07%	+4.7pp	+24.81%	-20.2pp
2022	-21.27%	-24.73%	+3.5pp	-19.95%	-1.3pp

FMNB underperformed the S&P 500 by 9.48pp over the past year (+15.51% vs +24.99%).

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FMNB Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
FMNBFarmers National Banc Corp.	$556M	+1.9%	+9.1%	+15.5%	+5.3pp	+26.4%	+2.7%	+112.5%
OVBCOhio Valley Banc Corp.	$227M	+5.6%	+22.9%	+68.5%	+3.2pp	+106.6%	+125.6%	+160.7%
CFFIC&F Financial Corporation	$255M	+8.5%	+12.2%	+33.8%	+3.1pp	+51.1%	+69.8%	+131.8%
CZWICitizens Community Bancorp, Inc.	$205M	+4.0%	+23.6%	+62.6%	+1.6pp	+149.8%	+64.1%	+121.2%
LARKLandmark Bancorp, Inc.	$179M	+6.6%	+14.7%	+14.2%	+3.1pp	+60.1%	+45.2%	+121.3%
MVBFMVB Financial Corp.	$355M	+8.6%	+9.9%	+37.5%	+3.3pp	+36.1%	-29.2%	+146.2%
FRSTPrimis Financial Corp.	$382M	+10.8%	+19.9%	+59.9%	+4.0pp	+96.6%	+15.6%	+58.4%
FFICFlushing Financial Corporation	$524M	-1.0%	+5.1%	+43.2%	+7.7pp	+32.3%	-5.3%	+17.6%
HONEHarborOne Bancorp, Inc.	$522M	—	—	+10.8%	+1.6pp	+43.3%	-4.6%	+88.3%
CHMGChemung Financial Corporation	$341M	+7.2%	+31.5%	+53.9%	+2.9pp	+91.1%	+83.7%	+177.3%
FNFFidelity National Financial, Inc.	$12.6B	-5.4%	-11.8%	-9.7%	+3.8pp	+53.0%	+34.3%	+149.6%

Compare:FMNB vs OVBC FMNB vs CFFI FMNB vs CZWI FMNB vs OVBC vs CFFI

About FMNB Dividend Returns

Farmers National Banc Corp. (FMNB) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of FMNB over the past year?

Farmers National Banc Corp. (FMNB) delivered a total return of 15.51% over the past year when dividends are reinvested. The price-only return was 10.21%, meaning dividends contributed an additional 5.30 percentage points to total returns.

Q2How much would $10,000 invested in FMNB be worth today?

A $10,000 investment in Farmers National Banc Corp. one year ago would be worth $11,551 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $11,021. Dividend reinvestment added $530 to the portfolio value.

Q3Does FMNB pay dividends?

Yes, Farmers National Banc Corp. (FMNB) pays dividends. In the last year, FMNB paid approximately $0.68 per share in dividends (4.79% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did FMNB beat the S&P 500?

No, Farmers National Banc Corp. (FMNB) underperformed the S&P 500 by 9.48 percentage points over the past year. FMNB delivered a total return of 15.51%, compared to the S&P 500's 24.99%. This means a passive S&P 500 index fund outperformed FMNB by 9.48pp during this period.

Q5What is FMNB's worst drawdown?

Farmers National Banc Corp. (FMNB) experienced a maximum drawdown of -19.61% over the past year, declining from its peak on 2025-09-04 to its trough on 2026-03-18. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is FMNB's long-term total return over 10, 20, or 30 years?

Here are Farmers National Banc Corp. (FMNB)'s long-term returns with dividends reinvested. Over 10 years, the total return is 112.5% (7.8% CAGR) — $10,000 would have grown to $21,249. Over 20 years: 103.2% total return (3.6% CAGR) — $10,000 → $20,317. Over 30 years: 8938.6% total return (16.2% CAGR) — $10,000 → $903,861. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was FMNB's best and worst year?

Farmers National Banc Corp.'s best calendar year was 1999 with a total return of 2105.3%. Its worst year was 2008 with a total return of -54.7%. This range shows the volatility investors should expect — the difference between the best and worst year is 2160.0 percentage points.

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

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