FARMERS NATL BANC CORP (FMNB) Fundamental Analysis & Valuation

NASDAQ:FMNB • US3096271073

Current stock price

13.89 USD
-0.05 (-0.36%)
At close:
13.89 USD
0 (0%)
After Hours:

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

3

1. FMNB Profitability Analysis

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.
  • Each year in the past 5 years FMNB 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 Return On Assets (1.04%) which is comparable to the rest of the industry.
  • FMNB has a Return On Equity of 11.24%. This is in the better half of the industry: FMNB outperforms 72.37% of its industry peers.
Industry RankSector Rank
ROA 1.04%
ROE 11.24%
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's Profit Margin of 28.95% is fine compared to the rest of the industry. FMNB outperforms 69.47% 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 RankSector Rank
OM N/A
PM (TTM) 28.95%
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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3

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.
  • The number of shares outstanding for FMNB has been increased compared to 5 years ago.
  • FMNB has a better debt/assets ratio than last year.
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

  • The Debt to FCF ratio of FMNB is 1.66, which is an excellent value as it means it would take FMNB, only 1.66 years of fcf income to pay off all of its debts.
  • FMNB has a Debt to FCF ratio (1.66) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.18 indicates that FMNB is not too dependend on debt financing.
  • FMNB has a Debt to Equity ratio (0.18) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.66
Altman-Z N/A
ROIC/WACCN/A
WACC12.33%
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 2025 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.
  • Measured over the past 5 years, FMNB shows a small growth in Earnings Per Share. The EPS has been growing by 1.45% on average per year.
  • Looking at the last year, FMNB shows a quite strong growth in Revenue. The Revenue has grown by 10.87% in the last year.
  • 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

  • FMNB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.98% yearly.
  • The Revenue is expected to grow by 22.98% on average over the next years. This is a very strong growth
EPS Next Y3.78%
EPS Next 2Y7.98%
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

  • 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 accelerating.
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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4

4. FMNB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.79 indicates a reasonable valuation of FMNB.
  • Based on the Price/Earnings ratio, FMNB is valued cheaper than 90.26% of the companies in the same industry.
  • FMNB is valuated cheaply when we compare the Price/Earnings ratio to 26.78, which is the current average of the S&P500 Index.
  • FMNB is valuated reasonably with a Price/Forward Earnings ratio of 8.47.
  • FMNB's Price/Forward Earnings ratio is rather cheap when compared to the industry. FMNB is cheaper than 90.00% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of FMNB to the average of the S&P500 Index (23.54), we can say FMNB is valued rather cheaply.
Industry RankSector Rank
PE 8.79
Fwd PE 8.47
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

  • 62.89% of the companies in the same industry are cheaper than FMNB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 15.65
EV/EBITDA N/A
FMNB Per share dataFMNB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FMNB does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.33
PEG (5Y)6.05
EPS Next 2Y7.98%
EPS Next 3YN/A

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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 4.88%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.73, FMNB pays a better dividend. On top of this FMNB pays more dividend than 94.21% 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 1.89.
Industry RankSector Rank
Dividend Yield 4.88%

5.2 History

  • The dividend of FMNB is nicely growing with an annual growth rate of 8.39%!
  • FMNB has been paying a dividend for at least 10 years, so it has 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)8.39%
Div Incr Years0
Div Non Decr Years15
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

  • 46.65% of the earnings are spent on dividend by FMNB. 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.
DP46.65%
EPS Next 2Y7.98%
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 (4/10/2026, 8:23:59 PM)

After market: 13.89 0 (0%)

13.89

-0.05 (-0.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-29
Inst Owners29.03%
Inst Owner Change0%
Ins Owners2.22%
Ins Owner Change2.54%
Market Cap816.45M
Revenue(TTM)188.57M
Net Income(TTM)54.59M
Analysts80
Price Target14.96 (7.7%)
Short Float %1.34%
Short Ratio1.56
Dividend
Industry RankSector Rank
Dividend Yield 4.88%
Yearly Dividend0.68
Dividend Growth(5Y)8.39%
DP46.65%
Div Incr Years0
Div Non Decr Years15
Ex-Date02-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-7.06%
Min EPS beat(2)-15.79%
Max EPS beat(2)1.67%
EPS beat(4)2
Avg EPS beat(4)-0.54%
Min EPS beat(4)-15.79%
Max EPS beat(4)12.57%
EPS beat(8)4
Avg EPS beat(8)-3.01%
EPS beat(12)7
Avg EPS beat(12)0.8%
EPS beat(16)8
Avg EPS beat(16)-0.13%
Revenue beat(2)0
Avg Revenue beat(2)-4.26%
Min Revenue beat(2)-6.03%
Max Revenue beat(2)-2.5%
Revenue beat(4)1
Avg Revenue beat(4)-3.48%
Min Revenue beat(4)-6.03%
Max Revenue beat(4)0.26%
Revenue beat(8)1
Avg Revenue beat(8)-3.86%
Revenue beat(12)2
Avg Revenue beat(12)-3.54%
Revenue beat(16)2
Avg Revenue beat(16)-3.94%
PT rev (1m)1.15%
PT rev (3m)-2.22%
EPS NQ rev (1m)0.83%
EPS NQ rev (3m)-23.42%
EPS NY rev (1m)0%
EPS NY rev (3m)-8.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.41%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.24%
Valuation
Industry RankSector Rank
PE 8.79
Fwd PE 8.47
P/S 4.33
P/FCF 15.65
P/OCF 13.6
P/B 1.68
P/tB 2.72
EV/EBITDA N/A
EPS(TTM)1.58
EY11.38%
EPS(NY)1.64
Fwd EY11.8%
FCF(TTM)0.89
FCFY6.39%
OCF(TTM)1.02
OCFY7.35%
SpS3.21
BVpS8.26
TBVpS5.11
PEG (NY)2.33
PEG (5Y)6.05
Graham Number17.14
Profitability
Industry RankSector Rank
ROA 1.04%
ROE 11.24%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.95%
GM N/A
FCFM 27.67%
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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.66
Debt/EBITDA N/A
Cap/Depr 116%
Cap/Sales 4.17%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 95.59%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC12.33%
ROIC/WACCN/A
Cap/Depr(3y)117.2%
Cap/Depr(5y)100.61%
Cap/Sales(3y)4.4%
Cap/Sales(5y)3.52%
Profit Quality(3y)110.71%
Profit Quality(5y)112.91%
High Growth Momentum
Growth
EPS 1Y (TTM)22.48%
EPS 3Y-5.12%
EPS 5Y1.45%
EPS Q2Q%2.56%
EPS Next Y3.78%
EPS Next 2Y7.98%
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-4.99%
FCF growth 3Y-12.61%
FCF growth 5Y2.84%
OCF growth 1Y-9.87%
OCF growth 3Y-10.48%
OCF growth 5Y4.12%

FARMERS NATL BANC CORP / FMNB Fundamental Analysis 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 4 / 10 to FARMERS NATL BANC CORP (FMNB). This can be considered as Fairly Valued.


How profitable is FARMERS NATL BANC CORP (FMNB) stock?

FARMERS NATL BANC CORP (FMNB) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for FMNB stock?

The Price/Earnings (PE) ratio for FARMERS NATL BANC CORP (FMNB) is 8.79 and the Price/Book (PB) ratio is 1.68.


Can you provide the expected EPS growth for FMNB stock?

The Earnings per Share (EPS) of FARMERS NATL BANC CORP (FMNB) is expected to grow by 3.78% in the next year.