14.67 USD
+0.28 (+1.95%)
14.67 USD
0 (0%)
FMNB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. FMNB has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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
FMNB had positive earnings in the past year.
In the past year FMNB had a positive cash flow from operations.
FMNB had positive earnings in each of the past 5 years.
In the past 5 years FMNB always reported a positive cash flow from operatings.
1.2 Ratios
FMNB has a Return On Assets of 1.04%. This is in the better half of the industry: FMNB outperforms 64.34% of its industry peers.
The Return On Equity of FMNB (11.66%) is better than 79.07% 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
Looking at the Profit Margin, with a value of 29.60%, FMNB is in the better half of the industry, outperforming 78.29% 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.
The number of shares outstanding for FMNB has been increased compared to 1 year ago.
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.
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.
The Debt to FCF ratio of FMNB (2.04) is comparable to the rest of the industry.
FMNB has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of FMNB (0.19) 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
WACC14.31%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FMNB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.85%, which is quite good.
The Revenue has been growing slightly by 7.43% 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)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
The Earnings Per Share is expected to grow by 13.92% on average over the next years. This is quite good.
The Revenue is expected to grow by 19.63% on average over the next years. This is quite good.
EPS Next Y30.07%
EPS Next 2Y17.63%
EPS Next 3Y13.92%
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 9.34, which indicates a very decent valuation of FMNB.
Based on the Price/Earnings ratio, FMNB is valued cheaply inside the industry as 90.18% of the companies are valued more expensively.
FMNB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.76.
Based on the Price/Forward Earnings ratio of 8.22, the valuation of FMNB can be described as reasonable.
Based on the Price/Forward Earnings ratio, FMNB is valued cheaper than 88.89% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.96. FMNB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.34 | ||
| Fwd PE | 8.22 |
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 | 13.02 | ||
| 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.
FMNB's earnings are expected to grow with 13.92% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y17.63%
EPS Next 3Y13.92%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.83%, FMNB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.11, FMNB pays a better dividend. On top of this FMNB pays more dividend than 90.18% 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 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.83% |
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 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
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 around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP46.83%
EPS Next 2Y17.63%
EPS Next 3Y13.92%
14.67
+0.28 (+1.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners42.24%
Inst Owner Change3.05%
Ins Owners2.59%
Ins Owner Change0.06%
Market Cap552.33M
Revenue(TTM)183.61M
Net Income(TTM)54.34M
Analysts80
Price Target15.81 (7.77%)
Short Float %2.7%
Short Ratio6.08
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.83% |
Yearly Dividend0.68
Dividend Growth(5Y)12.23%
DP46.83%
Div Incr Years0
Div Non Decr Years14
Ex-Date
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)0%
PT rev (3m)0%
EPS NQ rev (1m)8.05%
EPS NQ rev (3m)11.9%
EPS NY rev (1m)2.81%
EPS NY rev (3m)3.46%
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 | 9.34 | ||
| Fwd PE | 8.22 | ||
| P/S | 3.01 | ||
| P/FCF | 13.02 | ||
| P/OCF | 10.3 | ||
| P/B | 1.19 | ||
| P/tB | 1.97 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.57
EY10.7%
EPS(NY)1.79
Fwd EY12.17%
FCF(TTM)1.13
FCFY7.68%
OCF(TTM)1.42
OCFY9.71%
SpS4.88
BVpS12.38
TBVpS7.44
PEG (NY)0.31
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
WACC14.31%
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 Y30.07%
EPS Next 2Y17.63%
EPS Next 3Y13.92%
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 4 / 10 to FMNB.
Can you provide the valuation status for FARMERS NATL BANC CORP?
ChartMill assigns a valuation rating of 6 / 10 to FARMERS NATL BANC CORP (FMNB). This can be considered as Fairly Valued.
What is the profitability of FMNB stock?
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.
Is the dividend of FARMERS NATL BANC CORP sustainable?
The dividend rating of FARMERS NATL BANC CORP (FMNB) is 8 / 10 and the dividend payout ratio is 46.83%.