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FARMERS NATL BANC CORP (FMNB) Stock Fundamental Analysis

NASDAQ:FMNB - Nasdaq - US3096271073 - Common Stock - Currency: USD

13.48  -0.03 (-0.22%)

After market: 13.48 0 (0%)

Fundamental Rating

4

Taking everything into account, FMNB scores 4 out of 10 in our fundamental rating. FMNB was compared to 396 industry peers in the Banks industry. Both the profitability and financial health of FMNB have multiple concerns. FMNB is not valued too expensively and it also shows a decent growth rate. Finally FMNB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

1.2 Ratios

FMNB's Return On Assets of 0.94% is in line compared to the rest of the industry. FMNB outperforms 59.09% of its industry peers.
Looking at the Return On Equity, with a value of 11.25%, FMNB is in the better half of the industry, outperforming 79.04% of the companies in the same industry.
Industry RankSector 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
FMNB Yearly ROA, ROE, ROICFMNB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

FMNB has a Profit Margin of 27.64%. This is in the better half of the industry: FMNB outperforms 74.75% of its industry peers.
In the last couple of years the Profit Margin of FMNB has declined.
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) 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
FMNB Yearly Profit, Operating, Gross MarginsFMNB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

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
FMNB has more shares outstanding than it did 5 years ago.
The debt/assets ratio for FMNB has been reduced compared to a year ago.
FMNB Yearly Shares OutstandingFMNB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
FMNB Yearly Total Debt VS Total AssetsFMNB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

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's Debt to FCF ratio of 1.55 is in line compared to the rest of the industry. FMNB outperforms 59.60% of its industry peers.
A Debt/Equity ratio of 0.20 indicates that FMNB is not too dependend on debt financing.
The Debt to Equity ratio of FMNB (0.20) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.55
Altman-Z N/A
ROIC/WACCN/A
WACC14.84%
FMNB Yearly LT Debt VS Equity VS FCFFMNB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2022 2023 2024 50M 100M 150M 200M

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4

3. Growth

3.1 Past

FMNB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -14.10%.
The Revenue has been growing slightly by 1.19% in the past year.
Measured over the past years, FMNB shows a quite strong growth in Revenue. The Revenue has been growing by 9.03% on average per year.
EPS 1Y (TTM)-14.1%
EPS 3Y-12.26%
EPS 5Y0%
EPS Q2Q%14.71%
Revenue 1Y (TTM)1.19%
Revenue growth 3Y5.17%
Revenue growth 5Y9.03%
Sales Q2Q%11.73%

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 11.73% yearly.
Based on estimates for the next years, FMNB will show a small growth in Revenue. The Revenue will grow by 6.33% on average per year.
EPS Next Y18.6%
EPS Next 2Y11.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.33%
Revenue Next 2Y6.33%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
FMNB Yearly Revenue VS EstimatesFMNB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M
FMNB Yearly EPS VS EstimatesFMNB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.06, the valuation of FMNB can be described as very reasonable.
75.76% of the companies in the same industry are more expensive than FMNB, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.60, FMNB is valued rather cheaply.
The Price/Forward Earnings ratio is 8.37, which indicates a very decent valuation of FMNB.
71.46% of the companies in the same industry are more expensive than FMNB, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.39, FMNB is valued rather cheaply.
Industry RankSector Rank
PE 10.06
Fwd PE 8.37
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

Based on the Price/Free Cash Flow ratio, FMNB is valued a bit cheaper than the industry average as 65.66% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.14
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

FMNB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.54
PEG (5Y)N/A
EPS Next 2Y11.73%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

FMNB has a Yearly Dividend Yield of 5.21%, which is a nice return.
FMNB's Dividend Yield is rather good when compared to the industry average which is at 3.51. FMNB pays more dividend than 88.64% of the companies in the same industry.
FMNB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 5.21%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

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.
FMNB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP52.62%
EPS Next 2Y11.73%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
FMNB Dividend Payout.FMNB Dividend Payout, showing the Payout Ratio.FMNB Dividend Payout.PayoutRetained Earnings

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FARMERS NATL BANC CORP

NASDAQ:FMNB (6/12/2025, 5:20:01 PM)

After market: 13.48 0 (0%)

13.48

-0.03 (-0.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-16 2025-04-16/bmo
Earnings (Next)07-22 2025-07-22/bmo
Inst Owners40.96%
Inst Owner Change-0.22%
Ins Owners3.81%
Ins Owner Change0.22%
Market Cap507.39M
Analysts77.78
Price Target14.62 (8.46%)
Short Float %0.8%
Short Ratio3.05
Dividend
Industry RankSector Rank
Dividend Yield 5.21%
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)0%
PT rev (3m)-10.42%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.14%
EPS NY rev (1m)2.27%
EPS NY rev (3m)3.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.1%
Valuation
Industry RankSector Rank
PE 10.06
Fwd PE 8.37
P/S 2.9
P/FCF 9.14
P/OCF 7.34
P/B 1.18
P/tB 2.1
EV/EBITDA N/A
EPS(TTM)1.34
EY9.94%
EPS(NY)1.61
Fwd EY11.95%
FCF(TTM)1.47
FCFY10.94%
OCF(TTM)1.84
OCFY13.62%
SpS4.64
BVpS11.4
TBVpS6.42
PEG (NY)0.54
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC14.84%
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)-14.1%
EPS 3Y-12.26%
EPS 5Y0%
EPS Q2Q%14.71%
EPS Next Y18.6%
EPS Next 2Y11.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.19%
Revenue growth 3Y5.17%
Revenue growth 5Y9.03%
Sales Q2Q%11.73%
Revenue Next Year8.33%
Revenue Next 2Y6.33%
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%