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 392 industry peers in the Banks industry. FMNB has a bad profitability rating. Also its financial health evaluation is rather negative. FMNB has a correct valuation and a medium growth rate. FMNB also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year FMNB was profitable.

FMNB had a positive operating cash flow in the past year.

In the past 5 years FMNB has always been profitable.

In the past 5 years FMNB always reported a positive cash flow from operatings.

1.2 Ratios

FMNB has a Return On Assets (0.94%) which is comparable to the rest of the industry.

FMNB has a Return On Equity of 11.25%. This is in the better half of the industry: FMNB outperforms 79.13% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.94%
ROE	11.25%
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

With a decent Profit Margin value of 27.64%, FMNB is doing good in the industry, outperforming 74.55% of the companies in the same industry.

FMNB's Profit Margin has declined in the last couple of years.

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)	27.64%
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.

The number of shares outstanding for FMNB has been increased compared to 1 year ago.

FMNB has more shares outstanding than it did 5 years ago.

Compared to 1 year ago, FMNB has an improved debt to assets ratio.

2.2 Solvency

FMNB has a debt to FCF ratio of 1.55. This is a very positive value and a sign of high solvency as it would only need 1.55 years to pay back of all of its debts.

FMNB has a better Debt to FCF ratio (1.55) than 60.05% of its industry peers.

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

FMNB has a Debt to Equity ratio (0.20) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.2
Debt/FCF	1.55
Altman-Z	N/A

ROIC/WACCN/A

WACC14.14%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

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%.

The Revenue has been growing by 9.03% on average over the past years. This is quite good.

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

Based on estimates for the next years, FMNB will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.68% on average per year.

The Revenue is expected to grow by 9.13% on average over the next years. This is quite good.

EPS Next Y18.6%

EPS Next 2Y11.68%

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

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

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

Based on the Price/Earnings ratio of 9.56, the valuation of FMNB can be described as reasonable.

Based on the Price/Earnings ratio, FMNB is valued cheaply inside the industry as 80.41% of the companies are valued more expensively.

FMNB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.82.

Based on the Price/Forward Earnings ratio of 8.20, the valuation of FMNB can be described as reasonable.

FMNB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FMNB is cheaper than 75.57% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 36.21, FMNB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.56
Fwd PE	8.2

4.2 Price Multiples

FMNB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FMNB is cheaper than 70.23% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	8.9
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.

PEG (NY)0.51

PEG (5Y)N/A

EPS Next 2Y11.68%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

FMNB has a Yearly Dividend Yield of 5.02%, which is a nice return.

Compared to an average industry Dividend Yield of 3.50, FMNB pays a better dividend. On top of this FMNB pays more dividend than 84.73% of the companies listed in the same industry.

FMNB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.

		Industry Rank	Sector Rank
Dividend Yield	5.02%

5.2 History

The dividend of FMNB is nicely growing with an annual growth rate of 12.23%!

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 52.62% of its income as dividend. This is a bit on the high side, but may be sustainable.

The dividend of FMNB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP52.62%

EPS Next 2Y11.68%

EPS Next 3YN/A

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FARMERS NATL BANC CORP

NASDAQ:FMNB (8/1/2025, 8:00:00 PM)

After market: 13.19 0 (0%)

13.19

-0.35 (-2.58%)

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 Owners40.64%

Inst Owner Change-1%

Ins Owners2.59%

Ins Owner Change0.84%

Market Cap493.97M

Analysts77.78

Price Target14.79 (12.13%)

Short Float %0.71%

Short Ratio2.64

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.02%

Yearly Dividend0.68

Dividend Growth(5Y)12.23%

DP52.62%

Div Incr Years0

Div Non Decr Years14

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

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)11.97%

Min EPS beat(2)11.37%

Max EPS beat(2)12.57%

EPS beat(4)2

Avg EPS beat(4)-2.84%

Min EPS beat(4)-34.64%

Max EPS beat(4)12.57%

EPS beat(8)5

Avg EPS beat(8)0.9%

EPS beat(12)7

Avg EPS beat(12)1.32%

EPS beat(16)9

Avg EPS beat(16)0.84%

Revenue beat(2)0

Avg Revenue beat(2)-4.03%

Min Revenue beat(2)-5.65%

Max Revenue beat(2)-2.4%

Revenue beat(4)0

Avg Revenue beat(4)-3.21%

Min Revenue beat(4)-5.65%

Max Revenue beat(4)-1.48%

Revenue beat(8)1

Avg Revenue beat(8)-3.91%

Revenue beat(12)1

Avg Revenue beat(12)-4.39%

Revenue beat(16)2

Avg Revenue beat(16)-3.99%

PT rev (1m)1.16%

PT rev (3m)1.16%

EPS NQ rev (1m)-0.18%

EPS NQ rev (3m)-0.27%

EPS NY rev (1m)0%

EPS NY rev (3m)2.27%

Revenue NQ rev (1m)-1.18%

Revenue NQ rev (3m)-1.18%

Revenue NY rev (1m)1.48%

Revenue NY rev (3m)1.48%

Valuation

		Industry Rank	Sector Rank
PE	9.56
Fwd PE	8.2
P/S	2.83
P/FCF	8.9
P/OCF	7.15
P/B	1.15
P/tB	2.04
EV/EBITDA	N/A

EPS(TTM)1.38

EY10.46%

EPS(NY)1.61

Fwd EY12.2%

FCF(TTM)1.48

FCFY11.23%

OCF(TTM)1.85

OCFY13.99%

SpS4.67

BVpS11.46

TBVpS6.45

PEG (NY)0.51

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.94%
ROE	11.25%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.64%
GM	N/A
FCFM	31.76%

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-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.2
Debt/FCF	1.55
Debt/EBITDA	N/A
Cap/Depr	212.98%
Cap/Sales	7.81%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	114.91%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC14.14%

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 Y18.6%

EPS Next 2Y11.68%

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-29.79%

FCF growth 3Y0.85%

FCF growth 5Y8.05%

OCF growth 1Y-17.9%

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

More info and screens

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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