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FMNB stock logo

FMNB

Farmers National Banc Corp.

$14.39
0.18
 (1.27%)
Exchange:  NASDAQ
Market Cap:  564.98M
Shares Outstanding:  3.85M
Delayed data
Calculate FMNB Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Kevin J. Helmick
Full Time Employees:  682
Address: 
20 South Broad Street
Canfield
OH
44406
US
Website:  https://www.farmersbankgroup.com
Farmers National Banc Corp. operates as a diversified financial services holding company, engaging in banking, trust administration, retirement planning, insurance, and financial management. It provides a comprehensive range of commercial and consumer banking solutions, including various deposit products like checking, savings, and certificate of deposit accounts. The company’s lending portfolio features commercial, mortgage, personal installment, and home equity loans, alongside ancillary services such as home equity lines of credit, online banking, ATM access, safe deposit boxes, money orders, official checks, travel cards, credit and debit cards, and brokerage offerings. Furthermore, it delivers both individual and institutional trust services, covering estate settlement, trust oversight, and employee benefit plan management. Specialized retirement consulting is also offered, as well as a variety of insurance products, including property and casualty coverage, facilitated by licensed representatives. The firm strategically invests in municipal securities. With a presence across 47 branches in northeastern Ohio and one location in southwestern Pennsylvania, the corporation, founded in 1887, is headquartered in Canfield, Ohio.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue255,196269,448271,826
Gross Profit170,494162,118173,409
EBITDA66,02561,82865,046
Operating Income58,69855,42765,046
Net Income49,93245,94954,586

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets5,078,3505,118,9245,245,870
Total Liabilities4,673,9354,712,8964,760,145
Total Stockholders Equity404,415406,028485,725
Total Debt443,663391,150367,733
Cash and Cash Equivalents28,89620,42620,486

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow62,92866,61560,042
Capital Expenditure-3,880-11,692-7,861
Free Cash Flow59,04854,92352,181
Net Income49,93245,94954,586
Net Change in Cash28,107-17,9206,619

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)292,099.880Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)292,800.119Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)292,450Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)92,824.637Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)93,047.162Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)92,935.900Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)63,223.441Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)67,739.401Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)65,481.421Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)62,865.179Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)63,015.883Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)62,940.531Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)1.750Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)1.800Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)1.680Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)3Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
269.506M  ?P/S
 (TTM)
: 
1.97
?Net Income
 (TTM)
: 
45.949M  ?P/E
 (TTM)
: 
11.12
?Enterprise Value
 (TTM)
: 
965.416M  ?EV/FCF
 (TTM)
: 
20.5
?Dividend Yield
 (TTM)
: 
0.05  ?Payout Ratio
 (TTM)
: 
0.44
?ROE
 (TTM)
: 
0.11  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
380.666M  ?Debt/Equity
 (TTM)
: 
0.58
?P/B
 (TTM)
: 
0.83  ?Current Ratio
 (TTM)
: 
0.11

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
8.99Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

Strengths (preview)
  • Solid Financial Performance: FMNB demonstrates consistent revenue and net income growth over recent periods, as reflected in the Income Statements data. Positive trends in operating cash flow and free cash flow from the Cash Flow Statements indicate strong operational efficiency and liquidity to support ongoing operations and shareholder returns.
  • Attractive Valuation Metrics: The current price-to-earnings (P/E) ratio and price-to-sales (P/S) ratio from Key Metrics suggest FMNB is reasonably valued compared to industry averages (Industry and Sector data). Additionally, forward P/E ratios indicate potential for sustained or improved valuation, reflecting analyst confidence in future earnings growth.
  • Dividend Yield and Shareholder Returns: A competitive dividend yield (Key Metrics) and consistent dividend payments (Cash Flow Statements) position FMNB as an attractive option for income-focused investors, supported by stable retained earnings in the Balance Sheet data.

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates FMNB intrinsic value between $17.39 – $21.78 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about FMNB valuation

Is Farmers National Banc Corp. (FMNB) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Farmers National Banc Corp. (FMNB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is FMNB a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FMNB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is FMNB’s P/E ratio?

You can see FMNB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for FMNB?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is FMNB a good long-term investment?

Whether FMNB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

FMNB

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.27
MARKETSnap

Trading Metrics:

Open: 14.28   Previous Close: 14.21
Day Low: 14.28   Day High: 14.53
Year Low: 12.12   Year High: 15.5
Price Avg 50: 13.93   Price Avg 200: 13.74
Volume: 388843   Average Volume: 363103

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FMNB full analysis

27/10/2025

Welcome to MARKETSNAP’s SWOT analysis for Farmers National Banc Corp, or FMNB for those tracking the ticker. If you’re a long-term investor looking to build wealth through smart stock picks, you’re in the right place. Today, we’re diving deep into this regional banking player to uncover what makes it tick, what’s holding it back, and where it might be headed. Let’s break it down with a quick overview, some recent updates, and then get into the meat of our SWOT…

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