13.61 USD
+0.27 (+2.02%)
FMNB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 383 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 is not valued too expensively and it also shows a decent growth rate. 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
- FMNB has a Return On Assets of 1.04%. This is in the better half of the industry: FMNB outperforms 64.75% of its industry peers.
- FMNB has a Return On Equity of 11.66%. This is in the better half of the industry: FMNB outperforms 79.63% of its industry peers.
| 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 78.07% of the companies in the same industry.
- FMNB's Profit Margin has declined in the last couple of years.
- 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.
- Compared to 1 year ago, FMNB has more shares outstanding
- 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.
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 47.00% 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 45.95% of the companies in the same 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.
- Looking at the last year, FMNB shows a small growth in Revenue. The Revenue has grown by 7.43% in the last 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)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
- FMNB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.74% yearly.
- Based on estimates for the next years, FMNB will show a quite strong growth in Revenue. The Revenue will grow by 19.63% on average per year.
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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 8.67, which indicates a very decent valuation of FMNB.
- Based on the Price/Earnings ratio, FMNB is valued cheaper than 92.43% of the companies in the same industry.
- FMNB is valuated cheaply when we compare the Price/Earnings ratio to 27.33, which is the current average of the S&P500 Index.
- FMNB is valuated cheaply with a Price/Forward Earnings ratio of 7.63.
- 92.17% 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 24.12, FMNB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.67 | ||
| Fwd PE | 7.63 |
4.2 Price Multiples
- FMNB's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.08 | ||
| 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
- FMNB has a Yearly Dividend Yield of 5.06%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.89, FMNB pays a better dividend. On top of this FMNB pays more dividend than 85.90% 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 1.91.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.06% |
5.2 History
- On average, the dividend of FMNB grows each year by 12.23%, which is quite nice.
- FMNB has paid a dividend for at least 10 years, which is 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
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 more than its dividend. This makes the dividend growth sustainable.
DP46.83%
EPS Next 2Y17.59%
EPS Next 3Y14.74%
NASDAQ:FMNB (1/15/2026, 11:15:15 AM)
13.61
+0.27 (+2.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2025-10-22/bmo
Earnings (Next)01-22 2026-01-22/bmo
Inst Owners42.32%
Inst Owner Change-0.1%
Ins Owners2.58%
Ins Owner Change-0.04%
Market Cap512.42M
Revenue(TTM)183.61M
Net Income(TTM)54.34M
Analysts77.78
Price Target15.3 (12.42%)
Short Float %3.2%
Short Ratio5.97
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.06% |
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 | 8.67 | ||
| Fwd PE | 7.63 | ||
| P/S | 2.79 | ||
| P/FCF | 12.08 | ||
| P/OCF | 9.55 | ||
| P/B | 1.1 | ||
| P/tB | 1.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.57
EY11.54%
EPS(NY)1.78
Fwd EY13.11%
FCF(TTM)1.13
FCFY8.28%
OCF(TTM)1.42
OCFY10.47%
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.