FMNB Fundamental Analysis - FARMERS NATL BANC CORP

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to FMNB. FMNB was compared to 393 industry peers in the Banks industry. While FMNB is still in line with the averages on profitability rating, there are concerns on its financial health. FMNB has a decent growth rate and is not valued too expensively. Finally FMNB also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year FMNB was profitable.

In the past year FMNB had a positive cash flow from operations.

Each year in the past 5 years FMNB has been profitable.

FMNB had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

The Return On Assets of FMNB (0.97%) is better than 62.34% of its industry peers.

The Return On Equity of FMNB (11.52%) is better than 80.15% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.97%
ROE	11.52%
ROIC	N/A

ROA(3y)1.12%

ROA(5y)1.2%

ROE(3y)14.8%

ROE(5y)13.47%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

FMNB's Profit Margin of 27.99% is fine compared to the rest of the industry. FMNB outperforms 74.55% of its industry peers.

In the last couple of years the Profit Margin of FMNB has declined.

The Operating Margin and Gross Margin are not available for FMNB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	27.99%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-8.64%

PM growth 5Y-3.59%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FMNB does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, FMNB has more shares outstanding

Compared to 5 years ago, FMNB has more shares outstanding

FMNB has a better debt/assets ratio than last year.

2.2 Solvency

FMNB has a debt to FCF ratio of 1.61. This is a very positive value and a sign of high solvency as it would only need 1.61 years to pay back of all of its debts.

FMNB has a Debt to FCF ratio (1.61) which is comparable to the rest of the industry.

FMNB has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.

FMNB's Debt to Equity ratio of 0.20 is in line compared to the rest of the industry. FMNB outperforms 41.48% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.2
Debt/FCF	1.61
Altman-Z	N/A

ROIC/WACCN/A

WACC14.39%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for FMNB have decreased by -6.76% in the last year.

FMNB shows a small growth in Revenue. In the last year, the Revenue has grown by 5.75%.

FMNB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.03% yearly.

EPS 1Y (TTM)-6.76%

EPS 3Y-12.26%

EPS 5Y0%

EPS Q2Q%12.12%

Revenue 1Y (TTM)5.75%

Revenue growth 3Y5.17%

Revenue growth 5Y9.03%

Sales Q2Q%12.89%

3.2 Future

FMNB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.96% yearly.

Based on estimates for the next years, FMNB will show a quite strong growth in Revenue. The Revenue will grow by 9.13% on average per year.

EPS Next Y25.72%

EPS Next 2Y16.96%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year9.94%

Revenue Next 2Y9.13%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.80 indicates a reasonable valuation of FMNB.

Compared to the rest of the industry, the Price/Earnings ratio of FMNB indicates a somewhat cheap valuation: FMNB is cheaper than 75.57% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of FMNB to the average of the S&P500 Index (27.03), we can say FMNB is valued rather cheaply.

FMNB is valuated reasonably with a Price/Forward Earnings ratio of 8.45.

Based on the Price/Forward Earnings ratio, FMNB is valued cheaper than 81.42% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.63. FMNB is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	10.8
Fwd PE	8.45

4.2 Price Multiples

FMNB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FMNB is cheaper than 64.38% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	10.46
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

FMNB's earnings are expected to grow with 16.96% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.42

PEG (5Y)N/A

EPS Next 2Y16.96%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.85%, FMNB is a good candidate for dividend investing.

FMNB's Dividend Yield is rather good when compared to the industry average which is at 3.30. FMNB pays more dividend than 86.51% of the companies in the same industry.

FMNB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.

		Industry Rank	Sector Rank
Dividend Yield	4.85%

5.2 History

On average, the dividend of FMNB grows each year by 12.23%, which is quite nice.

FMNB has paid a dividend for at least 10 years, which is a reliable track record.

FMNB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)12.23%

Div Incr Years0

Div Non Decr Years14

5.3 Sustainability

FMNB pays out 50.44% of its income as dividend. This is a bit on the high side, but may be sustainable.

FMNB's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP50.44%

EPS Next 2Y16.96%

EPS Next 3YN/A

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FARMERS NATL BANC CORP

NASDAQ:FMNB (8/26/2025, 4:30:00 PM)

After market: 14.9103 0 (0%)

14.91

+0.18 (+1.22%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-23 2025-07-23/bmo

Earnings (Next)10-21 2025-10-21/bmo

Inst Owners40.6%

Inst Owner Change0.48%

Ins Owners2.6%

Ins Owner Change0.36%

Market Cap561.36M

Analysts80

Price Target15.81 (6.04%)

Short Float %0.74%

Short Ratio2.47

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.85%

Yearly Dividend0.68

Dividend Growth(5Y)12.23%

DP50.44%

Div Incr Years0

Div Non Decr Years14

Ex-Date06-13 2025-06-13 (0.17)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)5.97%

Min EPS beat(2)-0.62%

Max EPS beat(2)12.57%

EPS beat(4)2

Avg EPS beat(4)-2.83%

Min EPS beat(4)-34.64%

Max EPS beat(4)12.57%

EPS beat(8)5

Avg EPS beat(8)1.13%

EPS beat(12)7

Avg EPS beat(12)1.43%

EPS beat(16)8

Avg EPS beat(16)-0.78%

Revenue beat(2)1

Avg Revenue beat(2)-2.7%

Min Revenue beat(2)-5.65%

Max Revenue beat(2)0.26%

Revenue beat(4)1

Avg Revenue beat(4)-2.32%

Min Revenue beat(4)-5.65%

Max Revenue beat(4)0.26%

Revenue beat(8)2

Avg Revenue beat(8)-2.97%

Revenue beat(12)2

Avg Revenue beat(12)-4.11%

Revenue beat(16)2

Avg Revenue beat(16)-3.99%

PT rev (1m)6.9%

PT rev (3m)8.14%

EPS NQ rev (1m)12.5%

EPS NQ rev (3m)9.46%

EPS NY rev (1m)6%

EPS NY rev (3m)6%

Revenue NQ rev (1m)2.13%

Revenue NQ rev (3m)3.9%

Revenue NY rev (1m)1.48%

Revenue NY rev (3m)1.48%

Valuation

		Industry Rank	Sector Rank
PE	10.8
Fwd PE	8.45
P/S	3.12
P/FCF	10.46
P/OCF	8.42
P/B	1.28
P/tB	2.24
EV/EBITDA	N/A

EPS(TTM)1.38

EY9.26%

EPS(NY)1.76

Fwd EY11.84%

FCF(TTM)1.43

FCFY9.56%

OCF(TTM)1.77

OCFY11.87%

SpS4.78

BVpS11.63

TBVpS6.67

PEG (NY)0.42

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.97%
ROE	11.52%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.99%
GM	N/A
FCFM	29.79%

ROA(3y)1.12%

ROA(5y)1.2%

ROE(3y)14.8%

ROE(5y)13.47%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-8.64%

PM growth 5Y-3.59%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.2
Debt/FCF	1.61
Debt/EBITDA	N/A
Cap/Depr	195.67%
Cap/Sales	7.22%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	106.43%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC14.39%

ROIC/WACCN/A

Cap/Depr(3y)116.02%

Cap/Depr(5y)101.13%

Cap/Sales(3y)4.16%

Cap/Sales(5y)3.24%

Profit Quality(3y)121.85%

Profit Quality(5y)115.44%

High Growth Momentum

Growth

EPS 1Y (TTM)-6.76%

EPS 3Y-12.26%

EPS 5Y0%

EPS Q2Q%12.12%

EPS Next Y25.72%

EPS Next 2Y16.96%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)5.75%

Revenue growth 3Y5.17%

Revenue growth 5Y9.03%

Sales Q2Q%12.89%

Revenue Next Year9.94%

Revenue Next 2Y9.13%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-21.9%

FCF growth 3Y0.85%

FCF growth 5Y8.05%

OCF growth 1Y-7.85%

OCF growth 3Y6.64%

OCF growth 5Y11.44%

FARMERS NATL BANC CORP (FMNB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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