FARMERS NATL BANC CORP (FMNB) Stock Fundamental Analysis
USA - NASDAQ:FMNB - US3096271073 - Common Stock
13.29 USD
0 (0%)
13.29 USD
0 (0%)
Overall FMNB gets a fundamental rating of 5 out of 10. We evaluated FMNB against 388 industry peers in the Banks industry. FMNB has a medium profitability rating, but doesn't score so well on its financial health evaluation. FMNB is valued quite cheap, while showing a decent growth score. This is a good combination! Finally FMNB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
FMNB had positive earnings in the past year.
In the past year FMNB had a positive cash flow from operations.
In the past 5 years FMNB has always 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 60.31% of its industry peers.
With a decent Return On Equity value of 11.52%, FMNB is doing good in the industry, outperforming 78.61% of the companies in the same industry.
| 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 73.45% of its industry peers.
FMNB's Profit Margin has declined in the last couple of years.
FMNB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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
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
The Debt to FCF ratio of FMNB is 1.61, which is an excellent value as it means it would take FMNB, only 1.61 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FMNB (1.61) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.20 indicates that FMNB is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.20, FMNB is in line with its industry, outperforming 43.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.61 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.63%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 19.85% over the past year.
Looking at the last year, FMNB shows a small growth in Revenue. The Revenue has grown by 7.43% in the last year.
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)19.85%
EPS 3Y-12.26%
EPS 5Y0%
EPS Q2Q%82.61%
Revenue 1Y (TTM)7.43%
Revenue growth 3Y5.17%
Revenue growth 5Y9.03%
Sales Q2Q%7.96%
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 13.92% yearly.
FMNB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.63% yearly.
EPS Next Y26.51%
EPS Next 2Y17.63%
EPS Next 3Y13.92%
EPS Next 5YN/A
Revenue Next Year11.65%
Revenue Next 2Y25.48%
Revenue Next 3Y19.63%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
FMNB is valuated reasonably with a Price/Earnings ratio of 8.46.
Based on the Price/Earnings ratio, FMNB is valued cheaper than 89.18% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.89, FMNB is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.45, the valuation of FMNB can be described as very cheap.
Based on the Price/Forward Earnings ratio, FMNB is valued cheaper than 87.63% of the companies in the same industry.
FMNB is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.46 | ||
| Fwd PE | 7.45 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FMNB indicates a somewhat cheap valuation: FMNB is cheaper than 71.39% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.33 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
FMNB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as FMNB's earnings are expected to grow with 13.92% in the coming years.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y17.63%
EPS Next 3Y13.92%
5. Dividend
5.1 Amount
FMNB has a Yearly Dividend Yield of 5.12%, which is a nice return.
FMNB's Dividend Yield is rather good when compared to the industry average which is at 3.38. FMNB pays more dividend than 88.92% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, FMNB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.12% |
5.2 History
On average, the dividend of FMNB grows each year by 12.23%, which is quite nice.
FMNB has been paying a dividend for at least 10 years, so it has a reliable track record.
FMNB has not decreased their dividend for at least 10 years, which is a reliable track record.
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.
The dividend of FMNB is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP50.44%
EPS Next 2Y17.63%
EPS Next 3Y13.92%
13.29
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners41.08%
Inst Owner Change0.95%
Ins Owners2.59%
Ins Owner Change0.06%
Market Cap500.37M
Revenue(TTM)183.61M
Net Income(TTM)50.41M
Analysts80
Price Target15.81 (18.96%)
Short Float %0.82%
Short Ratio2.73
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.12% |
Yearly Dividend0.68
Dividend Growth(5Y)12.23%
DP50.44%
Div Incr Years0
Div Non Decr Years14
Ex-Date
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)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.63%
EPS NY rev (3m)6.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.56%
Revenue NY rev (3m)1.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.46 | ||
| Fwd PE | 7.45 | ||
| P/S | 2.78 | ||
| P/FCF | 9.33 | ||
| P/OCF | 7.51 | ||
| P/B | 1.14 | ||
| P/tB | 1.99 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.57
EY11.81%
EPS(NY)1.79
Fwd EY13.43%
FCF(TTM)1.43
FCFY10.72%
OCF(TTM)1.77
OCFY13.32%
SpS4.78
BVpS11.63
TBVpS6.67
PEG (NY)0.32
PEG (5Y)N/A
Graham Number20.27
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
ROICexgc growth 3YN/A
ROICexgc 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
WACC14.63%
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)19.85%
EPS 3Y-12.26%
EPS 5Y0%
EPS Q2Q%82.61%
EPS Next Y26.51%
EPS Next 2Y17.63%
EPS Next 3Y13.92%
EPS Next 5YN/A
Revenue 1Y (TTM)7.43%
Revenue growth 3Y5.17%
Revenue growth 5Y9.03%
Sales Q2Q%7.96%
Revenue Next Year11.65%
Revenue Next 2Y25.48%
Revenue Next 3Y19.63%
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 FAQ
Can you provide the ChartMill fundamental rating for FARMERS NATL BANC CORP?
ChartMill assigns a fundamental rating of 5 / 10 to FMNB.
Can you provide the valuation status for FARMERS NATL BANC CORP?
ChartMill assigns a valuation rating of 7 / 10 to FARMERS NATL BANC CORP (FMNB). This can be considered as Undervalued.
What is the profitability of FMNB stock?
FARMERS NATL BANC CORP (FMNB) has a profitability rating of 4 / 10.
What is the financial health of FARMERS NATL BANC CORP (FMNB) stock?
The financial health rating of FARMERS NATL BANC CORP (FMNB) is 2 / 10.
Is the dividend of FARMERS NATL BANC CORP sustainable?
The dividend rating of FARMERS NATL BANC CORP (FMNB) is 8 / 10 and the dividend payout ratio is 50.44%.