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FARMERS NATL BANC CORP (FMNB) Stock Fundamental Analysis

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

13.34  -0.1 (-0.74%)

After market: 13.34 0 (0%)

Fundamental Rating

4

Overall FMNB gets a fundamental rating of 4 out of 10. We evaluated FMNB against 397 industry peers in the Banks industry. FMNB has a bad profitability rating. Also its financial health evaluation is rather negative. FMNB is not valued too expensively and it also shows a decent growth rate. FMNB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year FMNB was profitable.
In the past year FMNB had a positive cash flow from operations.
Each year in the past 5 years FMNB has been profitable.
FMNB had a positive operating cash flow in each of the past 5 years.
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

The Return On Assets of FMNB (0.90%) is comparable to the rest of the industry.
The Return On Equity of FMNB (11.32%) is better than 78.09% of its industry peers.
Industry RankSector Rank
ROA 0.9%
ROE 11.32%
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 27.02%. This is in the better half of the industry: FMNB outperforms 70.53% 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) 27.02%
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.
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.
Compared to 1 year ago, FMNB has an improved debt to assets ratio.
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 1.57. This is a very positive value and a sign of high solvency as it would only need 1.57 years to pay back of all of its debts.
The Debt to FCF ratio of FMNB (1.57) is comparable to the rest of the industry.
FMNB has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
FMNB has a Debt to Equity ratio of 0.21. This is comparable to the rest of the industry: FMNB outperforms 43.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 1.57
Altman-Z N/A
ROIC/WACCN/A
WACC14.74%
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

The earnings per share for FMNB have decreased strongly by -14.10% in the last year.
FMNB shows a small growth in Revenue. In the last year, the Revenue has grown by 1.19%.
FMNB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.03% yearly.
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

Based on estimates for the next years, FMNB will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.42% on average per year.
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 Y15.97%
EPS Next 2Y10.42%
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

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 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

The Price/Earnings ratio is 9.96, which indicates a very decent valuation of FMNB.
Based on the Price/Earnings ratio, FMNB is valued a bit cheaper than the industry average as 75.31% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 28.10, FMNB is valued rather cheaply.
A Price/Forward Earnings ratio of 8.48 indicates a reasonable valuation of FMNB.
Based on the Price/Forward Earnings ratio, FMNB is valued a bit cheaper than the industry average as 74.06% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 20.74. FMNB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.96
Fwd PE 8.48
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 70.28% 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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.62
PEG (5Y)N/A
EPS Next 2Y10.42%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.16%, FMNB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.49, FMNB pays a better dividend. On top of this FMNB pays more dividend than 88.41% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.43, FMNB pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.16%

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 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 Years8
Div Non Decr Years13
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 55.25% 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.
DP55.25%
EPS Next 2Y10.42%
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 (5/5/2025, 8:10:54 PM)

After market: 13.34 0 (0%)

13.34

-0.1 (-0.74%)

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-0.6%
Ins Owners3.81%
Ins Owner Change0.22%
Market Cap501.85M
Analysts77.78
Price Target14.62 (9.6%)
Short Float %0.8%
Short Ratio2.83
Dividend
Industry RankSector Rank
Dividend Yield 5.16%
Yearly Dividend0.68
Dividend Growth(5Y)12.23%
DP55.25%
Div Incr Years8
Div Non Decr Years13
Ex-Date03-14 2025-03-14 (0.17)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-11.64%
Min EPS beat(2)-34.64%
Max EPS beat(2)11.37%
EPS beat(4)2
Avg EPS beat(4)-5.48%
Min EPS beat(4)-34.64%
Max EPS beat(4)11.37%
EPS beat(8)5
Avg EPS beat(8)1.48%
EPS beat(12)6
Avg EPS beat(12)0.01%
EPS beat(16)9
Avg EPS beat(16)2.25%
Revenue beat(2)0
Avg Revenue beat(2)-1.94%
Min Revenue beat(2)-2.4%
Max Revenue beat(2)-1.48%
Revenue beat(4)0
Avg Revenue beat(4)-4.23%
Min Revenue beat(4)-9.74%
Max Revenue beat(4)-1.48%
Revenue beat(8)1
Avg Revenue beat(8)-3.57%
Revenue beat(12)1
Avg Revenue beat(12)-4.1%
Revenue beat(16)2
Avg Revenue beat(16)-3.64%
PT rev (1m)-10.42%
PT rev (3m)-14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.1%
EPS NY rev (1m)2.23%
EPS NY rev (3m)2.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)2.77%
Revenue NY rev (3m)2.24%
Valuation
Industry RankSector Rank
PE 9.96
Fwd PE 8.48
P/S 2.95
P/FCF 9.14
P/OCF 7.53
P/B 1.24
P/tB 2.3
EV/EBITDA N/A
EPS(TTM)1.34
EY10.04%
EPS(NY)1.57
Fwd EY11.79%
FCF(TTM)1.46
FCFY10.94%
OCF(TTM)1.77
OCFY13.27%
SpS4.52
BVpS10.79
TBVpS5.79
PEG (NY)0.62
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.9%
ROE 11.32%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.02%
GM N/A
FCFM 32.29%
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-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 1.57
Debt/EBITDA N/A
Cap/Depr 182.66%
Cap/Sales 6.87%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 119.53%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC14.74%
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 Y15.97%
EPS Next 2Y10.42%
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-6%
FCF growth 3Y0.85%
FCF growth 5Y8.05%
OCF growth 1Y6.92%
OCF growth 3Y6.64%
OCF growth 5Y11.44%