FARMERS NATL BANC CORP (FMNB) Fundamental Analysis & Valuation

NASDAQ:FMNB • US3096271073

12.53 USD
-0.31 (-2.41%)
At close: Mar 6, 2026
12.53 USD
0 (0%)
After Hours: 3/6/2026, 8:19:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This FMNB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Taking everything into account, FMNB scores 4 out of 10 in our fundamental rating. FMNB was compared to 379 industry peers in the Banks industry. FMNB has a bad profitability rating. Also its financial health evaluation is rather negative. FMNB is not overvalued while it is showing excellent growth. This is an interesting combination. FMNB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. FMNB Profitability Analysis

1.1 Basic Checks

  • In the past year FMNB was profitable.
  • FMNB had a positive operating cash flow in the past year.
  • Each year in the past 5 years FMNB has been profitable.
  • Of the past 5 years FMNB 4 years had a positive operating cash flow.
FMNB Yearly Net Income VS EBIT VS OCF VS FCFFMNB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

1.2 Ratios

  • FMNB has a better Return On Assets (1.04%) than 62.53% of its industry peers.
  • With a decent Return On Equity value of 11.66%, FMNB is doing good in the industry, outperforming 78.63% of the companies in the same industry.
Industry RankSector Rank
ROA 1.04%
ROE 11.66%
ROIC N/A
ROA(3y)0.97%
ROA(5y)1.13%
ROE(3y)11.63%
ROE(5y)13.32%
ROIC(3y)N/A
ROIC(5y)N/A
FMNB Yearly ROA, ROE, ROICFMNB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • FMNB has a better Profit Margin (29.60%) than 75.46% 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 RankSector Rank
OM N/A
PM (TTM) 29.6%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.57%
PM growth 5Y-1.77%
GM growth 3YN/A
GM growth 5YN/A
FMNB Yearly Profit, Operating, Gross MarginsFMNB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. FMNB Health Analysis

2.1 Basic Checks

  • FMNB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • FMNB has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, FMNB has more shares outstanding
  • Compared to 1 year ago, FMNB has a worse debt to assets ratio.
FMNB Yearly Shares OutstandingFMNB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
FMNB Yearly Total Debt VS Total AssetsFMNB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • FMNB has a debt to FCF ratio of 2.04. This is a good value and a sign of high solvency as FMNB would need 2.04 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 2.04, FMNB perfoms like the industry average, outperforming 47.23% of the companies in the same industry.
  • FMNB has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.19, FMNB is in line with its industry, outperforming 45.12% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 2.04
Altman-Z N/A
ROIC/WACCN/A
WACC14.79%
FMNB Yearly LT Debt VS Equity VS FCFFMNB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FMNB Yearly Current Assets VS Current LiabilitesFMNB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2022 2023 2024 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. FMNB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 22.48% over the past year.
  • The Earnings Per Share has been growing slightly by 1.45% on average over the past years.
  • The Revenue has grown by 10.87% in the past year. This is quite good.
  • FMNB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.33% yearly.
EPS 1Y (TTM)22.48%
EPS 3Y-5.12%
EPS 5Y1.45%
EPS Q2Q%2.56%
Revenue 1Y (TTM)10.87%
Revenue growth 3Y5.63%
Revenue growth 5Y7.33%
Sales Q2Q%10.06%

3.2 Future

  • The Earnings Per Share is expected to grow by 9.61% on average over the next years. This is quite good.
  • FMNB is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.98% yearly.
EPS Next Y9.91%
EPS Next 2Y9.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year39.67%
Revenue Next 2Y22.98%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
FMNB Yearly Revenue VS EstimatesFMNB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
FMNB Yearly EPS VS EstimatesFMNB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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6

4. FMNB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.93 indicates a rather cheap valuation of FMNB.
  • FMNB's Price/Earnings ratio is rather cheap when compared to the industry. FMNB is cheaper than 92.88% of the companies in the same industry.
  • FMNB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.29.
  • FMNB is valuated cheaply with a Price/Forward Earnings ratio of 7.22.
  • 93.93% of the companies in the same industry are more expensive than FMNB, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 24.57. FMNB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.93
Fwd PE 7.22
FMNB Price Earnings VS Forward Price EarningsFMNB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as FMNB.
Industry RankSector Rank
P/FCF 11.12
EV/EBITDA N/A
FMNB Per share dataFMNB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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)0.8
PEG (5Y)5.46
EPS Next 2Y9.61%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. FMNB Dividend Analysis

5.1 Amount

  • FMNB has a Yearly Dividend Yield of 5.30%, which is a nice return.
  • FMNB's Dividend Yield is rather good when compared to the industry average which is at 2.73. FMNB pays more dividend than 90.50% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, FMNB pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.3%

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
FMNB Yearly Dividends per shareFMNB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • 46.83% of the earnings are spent on dividend by FMNB. This is a bit on the high side, but may be sustainable.
  • FMNB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP46.83%
EPS Next 2Y9.61%
EPS Next 3YN/A
FMNB Yearly Income VS Free CF VS DividendFMNB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
FMNB Dividend Payout.FMNB Dividend Payout, showing the Payout Ratio.FMNB Dividend Payout.PayoutRetained Earnings

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FMNB Fundamentals: All Metrics, Ratios and Statistics

FARMERS NATL BANC CORP

NASDAQ:FMNB (3/6/2026, 8:19:01 PM)

After market: 12.53 0 (0%)

12.53

-0.31 (-2.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-14
Inst Owners45.15%
Inst Owner Change6.42%
Ins Owners2.7%
Ins Owner Change1.3%
Market Cap471.75M
Revenue(TTM)188.57M
Net Income(TTM)54.34M
Analysts80
Price Target14.79 (18.04%)
Short Float %7.65%
Short Ratio7.5
Dividend
Industry RankSector Rank
Dividend Yield 5.3%
Yearly Dividend0.68
Dividend Growth(5Y)12.23%
DP46.83%
Div Incr Years0
Div Non Decr Years14
Ex-Date02-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.53%
Min EPS beat(2)-0.62%
Max EPS beat(2)1.67%
EPS beat(4)3
Avg EPS beat(4)6.25%
Min EPS beat(4)-0.62%
Max EPS beat(4)12.57%
EPS beat(8)5
Avg EPS beat(8)0.79%
EPS beat(12)7
Avg EPS beat(12)1.5%
EPS beat(16)8
Avg EPS beat(16)-1.18%
Revenue beat(2)1
Avg Revenue beat(2)-1.12%
Min Revenue beat(2)-2.5%
Max Revenue beat(2)0.26%
Revenue beat(4)1
Avg Revenue beat(4)-2.57%
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)-3.93%
Revenue beat(16)2
Avg Revenue beat(16)-3.93%
PT rev (1m)-7.45%
PT rev (3m)-6.45%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.92%
EPS NY rev (1m)-2.64%
EPS NY rev (3m)-2.71%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.59%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)-1.24%
Valuation
Industry RankSector Rank
PE 7.93
Fwd PE 7.22
P/S 2.57
P/FCF 11.12
P/OCF 8.79
P/B 1.01
P/tB 1.69
EV/EBITDA N/A
EPS(TTM)1.58
EY12.61%
EPS(NY)1.74
Fwd EY13.86%
FCF(TTM)1.13
FCFY8.99%
OCF(TTM)1.42
OCFY11.37%
SpS4.88
BVpS12.38
TBVpS7.44
PEG (NY)0.8
PEG (5Y)5.46
Graham Number20.98
Profitability
Industry RankSector Rank
ROA 1.04%
ROE 11.66%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.6%
GM N/A
FCFM 23.11%
ROA(3y)0.97%
ROA(5y)1.13%
ROE(3y)11.63%
ROE(5y)13.32%
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-8.57%
PM growth 5Y-1.77%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 2.04
Debt/EBITDA N/A
Cap/Depr 163.95%
Cap/Sales 6.11%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 78.07%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.79%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)22.48%
EPS 3Y-5.12%
EPS 5Y1.45%
EPS Q2Q%2.56%
EPS Next Y9.91%
EPS Next 2Y9.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.87%
Revenue growth 3Y5.63%
Revenue growth 5Y7.33%
Sales Q2Q%10.06%
Revenue Next Year39.67%
Revenue Next 2Y22.98%
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-26.96%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-20.21%
OCF growth 3YN/A
OCF growth 5YN/A

FARMERS NATL BANC CORP / FMNB FAQ

Can you provide the ChartMill fundamental rating for FARMERS NATL BANC CORP?

ChartMill assigns a fundamental rating of 4 / 10 to FMNB.


What is the valuation status for FMNB stock?

ChartMill assigns a valuation rating of 6 / 10 to FARMERS NATL BANC CORP (FMNB). This can be considered as Fairly Valued.


Can you provide the profitability details for FARMERS NATL BANC CORP?

FARMERS NATL BANC CORP (FMNB) has a profitability rating of 3 / 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.


What is the earnings growth outlook for FARMERS NATL BANC CORP?

The Earnings per Share (EPS) of FARMERS NATL BANC CORP (FMNB) is expected to grow by 9.91% in the next year.