13.5 USD
+0.1 (+0.75%)
13.5 USD
0 (0%)
FMNB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 387 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.
1. Profitability
1.1 Basic Checks
In the past year FMNB was profitable.
FMNB had a positive operating cash flow in the past year.
FMNB had positive earnings in each of the past 5 years.
Each year in the past 5 years FMNB had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.04%, FMNB is in the better half of the industry, outperforming 64.34% of the companies in the same industry.
With a decent Return On Equity value of 11.66%, FMNB is doing good in the industry, outperforming 79.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.04% | ||
| ROE | 11.66% | ||
| 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 29.60%, FMNB is doing good in the industry, outperforming 77.52% of the companies in the same industry.
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) | 29.6% | ||
| 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.
The number of shares outstanding for FMNB has been increased compared to 1 year ago.
The number of shares outstanding for FMNB has been increased compared to 5 years ago.
The debt/assets ratio for FMNB has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of FMNB is 2.04, which is a good value as it means it would take FMNB, 2.04 years of fcf income to pay off all of its debts.
FMNB has a Debt to FCF ratio (2.04) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.19 indicates that FMNB is not too dependend on debt financing.
FMNB has a Debt to Equity ratio (0.19) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 2.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.58%
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.
The Revenue has been growing slightly by 7.43% in the past year.
The Revenue has been growing by 9.03% on average over the past years. This is quite good.
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
Based on estimates for the next years, FMNB will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.74% on average per year.
The Revenue is expected to grow by 19.63% on average over the next years. This is quite good.
EPS Next Y29.65%
EPS Next 2Y17.59%
EPS Next 3Y14.74%
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
A Price/Earnings ratio of 8.60 indicates a reasonable valuation of FMNB.
Compared to the rest of the industry, the Price/Earnings ratio of FMNB indicates a rather cheap valuation: FMNB is cheaper than 91.47% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.17. FMNB is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 7.57 indicates a rather cheap valuation of FMNB.
Based on the Price/Forward Earnings ratio, FMNB is valued cheaply inside the industry as 91.73% of the companies are valued more expensively.
FMNB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.6 | ||
| Fwd PE | 7.57 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FMNB is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.98 | ||
| 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.
A more expensive valuation may be justified as FMNB's earnings are expected to grow with 14.74% in the coming years.
PEG (NY)0.29
PEG (5Y)N/A
EPS Next 2Y17.59%
EPS Next 3Y14.74%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.11%, FMNB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.78, FMNB pays a better dividend. On top of this FMNB pays more dividend than 90.18% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.94, FMNB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.11% |
5.2 History
The dividend of FMNB is nicely growing with an annual growth rate of 12.23%!
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 46.83% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of FMNB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP46.83%
EPS Next 2Y17.59%
EPS Next 3Y14.74%
13.5
+0.1 (+0.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners42.32%
Inst Owner Change0%
Ins Owners2.58%
Ins Owner Change-0.04%
Market Cap508.27M
Revenue(TTM)183.61M
Net Income(TTM)54.34M
Analysts80
Price Target15.3 (13.33%)
Short Float %3.2%
Short Ratio5.97
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.11% |
Yearly Dividend0.68
Dividend Growth(5Y)12.23%
DP46.83%
Div Incr Years0
Div Non Decr Years14
Ex-DateN/A
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)-3.23%
PT rev (3m)-3.23%
EPS NQ rev (1m)-0.92%
EPS NQ rev (3m)10.87%
EPS NY rev (1m)-0.32%
EPS NY rev (3m)3.12%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.08%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.6 | ||
| Fwd PE | 7.57 | ||
| P/S | 2.77 | ||
| P/FCF | 11.98 | ||
| P/OCF | 9.48 | ||
| P/B | 1.09 | ||
| P/tB | 1.82 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.57
EY11.63%
EPS(NY)1.78
Fwd EY13.21%
FCF(TTM)1.13
FCFY8.35%
OCF(TTM)1.42
OCFY10.55%
SpS4.88
BVpS12.38
TBVpS7.44
PEG (NY)0.29
PEG (5Y)N/A
Graham Number20.91
Profitability
| Industry Rank | Sector 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)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 Turnover0.04
Health
| Industry Rank | Sector 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-Score6
WACC14.58%
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 Y29.65%
EPS Next 2Y17.59%
EPS Next 3Y14.74%
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-36.95%
FCF growth 3Y0.85%
FCF growth 5Y8.05%
OCF growth 1Y-23.39%
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.
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 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.
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 29.65% in the next year.