Fundamental Analysis of FARMERS NATL BANC CORP(NASDAQ:FMNB) stock

Fundamental Rating

Overall FMNB gets a fundamental rating of 4 out of 10. We evaluated FMNB against 411 industry peers in the Banks industry. There are concerns on the financial health of FMNB while its profitability can be described as average. FMNB has a valuation in line with the averages, but it does not seem to be growing. FMNB also has an excellent dividend rating.

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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.

In the past 5 years FMNB has always been profitable.

FMNB had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

FMNB's Return On Assets of 0.98% is fine compared to the rest of the industry. FMNB outperforms 61.56% of its industry peers.

Looking at the Return On Equity, with a value of 12.35%, FMNB belongs to the top of the industry, outperforming 80.78% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.98%
ROE	12.35%
ROIC	N/A

ROA(3y)1.24%

ROA(5y)1.31%

ROE(3y)14.68%

ROE(5y)13.59%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of FMNB (27.80%) is better than 68.86% of its industry peers.

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)	27.8%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-4.23%

PM growth 5Y-2.38%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

FMNB does not have a ROIC to compare to the WACC, probably because it is not profitable.

FMNB has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, FMNB has more shares outstanding

Compared to 1 year ago, FMNB has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of FMNB is 1.52, which is an excellent value as it means it would take FMNB, only 1.52 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 1.52, FMNB is in the better half of the industry, outperforming 65.94% of the companies in the same industry.

A Debt/Equity ratio of 0.22 indicates that FMNB is not too dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.22, FMNB is in line with its industry, outperforming 52.55% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.22
Debt/FCF	1.52
Altman-Z	N/A

ROIC/WACCN/A

WACC15.48%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

FMNB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -10.27%.

Measured over the past 5 years, FMNB shows a small growth in Earnings Per Share. The EPS has been growing by 7.25% on average per year.

FMNB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.31%.

Measured over the past years, FMNB shows a quite strong growth in Revenue. The Revenue has been growing by 11.55% on average per year.

EPS 1Y (TTM)-10.27%

EPS 3Y4.14%

EPS 5Y7.25%

EPS growth Q2Q-2.38%

Revenue 1Y (TTM)12.31%

Revenue growth 3Y10.71%

Revenue growth 5Y11.55%

Revenue growth Q2Q19.55%

3.2 Future

Based on estimates for the next years, FMNB will show a decrease in Earnings Per Share. The EPS will decrease by -9.56% on average per year.

FMNB is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.99% yearly.

EPS Next Y-20.35%

EPS Next 2Y-9.56%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-5.7%

Revenue Next 2Y-1.99%

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 decreasing.

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.27, the valuation of FMNB can be described as very cheap.

FMNB's Price/Earnings ratio is rather cheap when compared to the industry. FMNB is cheaper than 82.00% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 24.92. FMNB is valued rather cheaply when compared to this.

A Price/Forward Earnings ratio of 9.13 indicates a reasonable valuation of FMNB.

70.32% of the companies in the same industry are more expensive than FMNB, based on the Price/Forward Earnings ratio.

The average S&P500 Price/Forward Earnings ratio is at 21.49. FMNB is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	7.27
Fwd PE	9.13

4.2 Price Multiples

61.07% of the companies in the same industry are more expensive than FMNB, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	7.76
EV/EBITDA	N/A

4.3 Compensation for Growth

FMNB's earnings are expected to decrease with -9.56% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)1

EPS Next 2Y-9.56%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.59%, FMNB is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.81, FMNB pays a better dividend. On top of this FMNB pays more dividend than 87.10% 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 Rank	Sector Rank
Dividend Yield	5.59%

5.2 History

On average, the dividend of FMNB grows each year by 18.71%, 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)18.71%

Div Incr Years8

Div Non Decr Years10

5.3 Sustainability

FMNB pays out 50.86% of its income as dividend. This is a bit on the high side, but may be sustainable.

FMNB's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.

DP50.86%

EPS Next 2Y-9.56%

EPS Next 3YN/A

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FARMERS NATL BANC CORP

NASDAQ:FMNB (4/26/2024, 7:00:00 PM)

After market: 12.07 0 (0%)

12.07

-0.09 (-0.74%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap453.23M

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.59%

Dividend Growth(5Y)

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

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Avg EPS beat(4)

Min EPS beat(4)

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EPS beat(8)

Avg EPS beat(8)

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Avg EPS beat(12)

EPS beat(16)

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Revenue beat(2)

Avg Revenue beat(2)

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Revenue beat(4)

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Revenue beat(8)

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Revenue beat(16)

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PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

		Industry Rank	Sector Rank
PE	7.27
Fwd PE	9.13
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)1

Profitability

		Industry Rank	Sector Rank
ROA	0.98%
ROE	12.35%
ROCE
ROIC
ROICexc
ROICexgc
OM	N/A
PM (TTM)	27.8%
GM	N/A
FCFM

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.22
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

Growth

EPS 1Y (TTM)-10.27%

EPS 3Y4.14%

EPS 5Y

EPS growth Q2Q

EPS Next Y-20.35%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)12.31%

Revenue growth 3Y10.71%

Revenue growth 5Y

Revenue growth Q2Q

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y

FARMERS NATL BANC CORP (FMNB)

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens