Farmers National Banc Corp. FMNB R2K

Financial Services · Banks - Regional · United States

https://www.farmersbankgroup.com

Farmers National Banc Corp. operates as a bank holding company for The Farmers National Bank of Canfield that engages in the banking, trust, retirement consulting, insurance, and financial management businesses. It offers commercial and retail banking services, including checking, savings, and time deposit accounts; commercial, mortgage and installment, and home equity loans; home equity lines of credit; and night depository, safe deposit box, money order, bank check, automated teller machine, Internet banking, travel card, E bond transaction, brokerage, and other services. The company also provides personal and corporate trust services in the areas of estate settlement, trust administration, employee benefit plans, and retirement services; and various insurance products through licensed representatives, as well as invests in municipal securities. Farmers National Banc Corp. was founded in 1887 and is headquartered in Canfield, Ohio.

Market & Price

Market Cap

$839.67M

Current Price

$14.18

High / Low (52W)

$14.76 / $12.30

Beta

0.79

Valuation

Stock P/E

9.78

Industry PE

12.01

Forward P/E

8.10

PEG Ratio

2.73

Book Value

$12.96

Price to Book

1.09

P/S

4.33

EV/EBITDA

Dividend Yield

4.80%

Profitability & Returns

ROCE

ROE

9.58%

ROA

0.93%

Profit Margin

29.54%

Op Margin

46.12%

EPS (Latest Qtr)

$0.36

EPS (TTM)

$1.45

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$447.77M

Total Assets

$5.25B

Current Assets

Working Capital

Ownership

Promoter Holding

2.37%

Chg in Prom Hold

FII / Inst Holding

40.84%

Chg in FII Hold

-0.02%

Financial Snapshot

Enterprise Value

$1.10B

Total Revenue (TTM)

$193.92M

EBITDA

Free Cash Flow

Operating Cash Flow

$51.95M

Shares Outstanding

59.22M

Gross Margin

0.00%

Payout Ratio

46.90%

Growth (CAGR)

Revenue 5Y

5.63%

Profit 5Y

-3.42%

Revenue (YoY)

27.70%

Earnings (YoY)

0.00%

PROS

Excellent profit margin of 29.5%.
Attractive dividend yield of 4.80%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -3.4% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	FMNB Farmers National Banc Corp. R2K	14.18	9.78	$839.67M	4.80%	-	9.58%	5.63%	-3.42%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	63.41M	66.45M	70.26M	-	44.68M	47.04M	47.74M	49.12M	56.26M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	23.11M	22.78M	23.06M	22.40M	24.55M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	16.35M	16.32M	14.64M	17.73M	19.97M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.78M	2.41M	2.18M	3.10M	3.71M
Net Income	4.80M	5.02M	5.38M	5.36M	5.78M	5.71M	5.98M	5.24M	7.73M	8.07M	8.08M	8.69M	8.39M	8.54M	9.15M	9.68M	8.64M	11.01M	10.87M	11.36M	14.56M	15.57M	16.01M	5.70M	15.84M	15.95M	15.45M	13.36M	7.08M	14.97M	13.31M	11.24M	11.78M	8.54M	-	13.58M	13.91M	12.46M	14.64M	16.26M
Diluted EPS	0.18	0.19	0.20	-	0.21	0.21	0.22	-	0.28	0.29	0.29	-	0.30	0.31	0.33	0.35	0.30	0.39	0.38	0.40	0.51	0.55	0.56	0.18	0.47	0.47	0.46	0.39	0.19	0.40	0.36	0.30	0.31	0.23	-	0.36	0.37	0.33	0.39	0.36

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	159.99M	179.65M	170.08M	188.57M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	17.92M	75.55M	99.36M	91.35M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	72.83M	58.70M	55.43M	65.05M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	12.24M	8.77M	9.48M	10.46M
Net Income	5.84M	8.99M	9.22M	9.93M	7.78M	8.96M	8.05M	20.56M	22.71M	32.57M	35.76M	41.88M	-	60.60M	49.93M	45.95M	54.59M
Diluted EPS	0.44	0.66	0.50	0.53	0.41	0.48	0.36	0.76	0.82	1.16	1.28	1.47	-	1.79	1.33	1.22	1.45

Compounded Sales Growth

5 Years:	5.63%
1 Year:	27.70%

Compounded Profit Growth

5 Years:	-3.42%
1 Year:	0.00%

Stock Price Performance

1 Year:	+12.48%
6 Months:	+7.07%
3 Months:	+9.67%
1 Month:	+1.87%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	982.75M	1.07B	1.14B	1.14B	1.14B	1.87B	1.97B	2.16B	2.33B	2.45B	3.07B	-	4.08B	5.08B	5.12B	5.25B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	24.05M	51.16M	37.30M	52.42M	37.76M	-	-	-	-	-	-	-	-	-	21.39M	28.90M	20.43M	20.49M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Liabilities	-	-	894.70M	953.43M	1.02B	1.02B	1.01B	1.67B	1.75B	1.92B	2.07B	2.15B	2.72B	-	3.79B	4.67B	4.71B	4.76B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	24.73M	11.26M	10.42M	19.82M	18.38M	22.15M	15.04M	6.99M	6.03M	45.15M	76.39M	-	88.21M	88.66M	86.15M	86.73M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	183.21M	443.66M	391.15M	367.73M
Total Equity	-	80.63M	88.05M	114.44M	120.79M	113.01M	123.56M	198.05M	213.22M	242.07M	262.32M	299.31M	350.10M	-	292.30M	404.42M	406.03M	485.73M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	35.13M	39.32M	39.32M	39.32M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	5.21M	17.94M	13.99M	10.97M	14.25M	-	-	24.50M	30.57M	38.76M	38.76M	49.07M	-	81.50M	62.93M	66.61M	60.04M
Investing Cash Flow	-105.46M	8.56M	-68.97M	-82.29M	-27.98M	-	-	-115.40M	-137.11M	-179.32M	-93.15M	-159.89M	-	-205.51M	77.94M	-95.12M	-78.85M
Financing Cash Flow	127.36M	-40.35M	70.09M	56.66M	3.48M	-	-	76.67M	122.38M	140.87M	67.22M	294.68M	-	86.77M	-112.76M	10.59M	25.43M
Capital Expenditure	-990.00K	-783.00K	-3.58M	-3.20M	-215.00K	-972.00K	-1.30M	-788.00K	-956.00K	-450.00K	-1.46M	-3.70M	-	-2.56M	-3.88M	-11.69M	-7.86M
Free Cash Flow	4.22M	17.16M	10.41M	7.77M	14.04M	-	-	23.71M	29.61M	38.31M	37.30M	45.37M	-	78.94M	59.05M	54.92M	52.18M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-37.24M	28.11M	-17.92M	6.62M
Share Buybacks	-	0	0	42.00K	1.61M	2.88M	213.00K	168.00K	0	0	2.84M	14.24M	164.00K	0	11.54M	0	0
Dividends Paid	-	-	-	-	-	-	-	-	-	-	-	-	-	-	25.40M	25.39M	25.47M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	37.9%	27.8%	27.0%	28.9%
ROE %	7.2%	10.2%	8.1%	8.2%	6.9%	7.3%	4.1%	9.6%	9.4%	12.4%	11.9%	12.0%	-	20.7%	12.3%	11.3%	11.2%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

2.37%

Institutions

40.84%

Public Float

41.83%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	7.14%	4.23M	$59.97M
2	Vanguard Capital Management LLC	4.16%	2.46M	$34.91M
3	Dimensional Fund Advisors LP	2.60%	1.54M	$21.83M
4	Geode Capital Management, LLC	2.32%	1.38M	$19.52M
5	State Street Corporation	2.10%	1.24M	$17.63M
6	Farmers Trust Company	1.22%	724.47K	$10.27M
7	Northern Trust Corporation	0.90%	532.83K	$7.56M
8	Hotchkis & Wiley Capital Management, LLC	0.85%	501.89K	$7.12M
9	Manufacturers Life Insurance Co.	0.79%	470.13K	$6.67M
10	Vanguard Portfolio Management LLC	0.73%	432.54K	$6.13M

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