FMNB

Farmers National Banc Corp.

$12.86

0.03

(0.23%)

Exchange:	NASDAQ
Market Cap:	484.057M
Shares Outstanding:	3.85M

Overview

Earnings

Financials

Valuation

Chart

About The Company

Farmers National Banc Corp., a financial holding company, operates in the banking, trust, retirement consulting, insurance, and financial management industries. 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, night depository, safe deposit box, money order, bank check, automated teller machine, Internet banking, travel card, E bond transaction, MasterCard and Visa credit cards, brokerage, and other services. The company also provides personal and corporate trust services in the areas of estate settlement, trust administration, and employee benefit plans; retirement services; property and casualty insurance products and services; and various insurance products through licensed representatives, as well as invests in municipal securities. It operates through 47 locations in northeastern region of Ohio and one location in southwestern Pennsylvania. The company was founded in 1887 and is based in Canfield, Ohio.

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Revenue Segmentation

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EPS

View full analyst estimates

Earnings Call

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Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Income Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Revenue	64,533	87,494	94,347	101,000	107,970	123,252	141,290	158,871	170,494	170,084
? Cost Of Revenue	0	0	0	0	0	0	0	0	0	-57,648
? Gross Profit	64,533	87,494	94,347	101,000	107,970	123,252	141,290	158,871	170,494	227,732
? Research And Development Expenses	0	0	0	0	0	0	0	0	0	0
? General And Administrative Expenses	27,575	32,963	36,601	37,936	38,451	41,463	43,173	48,964	57,374	58,925
? Selling And Marketing Expenses	1,325	1,332	1,527	1,559	1,736	1,531	1,859	1,947	1,793	1,503
? Operating Expenses	-53,399	-58,944	-58,036	-52,452	-67,905	-83,074	-84,069	85,306	78,952	170,084
? Net Interest Income	0	0	0	0	0	0	0	0	0	126,918
? Interest Income	53,827	72,498	80,527	91,766	101,986	112,327	116,459	142,086	211,349	226,282
? Interest Expense	4,090	4,378	6,881	13,265	19,608	16,136	8,469	17,920	75,549	99,364
? Depreciation And Amortization	2,751	3,161	3,139	2,991	2,839	2,827	3,162	4,899	7,327	6,401
? EBITDA	13,305	31,709	36,300	41,274	45,914	53,394	65,653	77,734	66,025	0
? EBIT										-6,401
? Operating Income	14,644	32,420	39,661	51,548	43,075	50,272	62,114	93,681	91,542	4,748
? Income Before Tax	10,554	28,042	32,780	38,283	43,075	50,272	62,114	72,835	58,698	55,427
? Income Tax Expense	2,499	7,485	10,069	5,714	7,315	8,396	10,270	12,238	8,766	9,478
? Net Income From Continuing Operations										45,949
? Net Income	8,055	20,557	22,711	32,569	35,760	41,876	51,844	60,597	49,932	45,949
? EPS (Earnings Per Share)	0.360	0.760	0.820	1.180	1.290	1.480	1.780	1.790	1.340	1.240
? EPS Diluted	0.360	0.760	0.820	1.160	1.280	1.470	1.770	1.790	1.330	1.240
? Weighted Average Shares Outstanding	22,678	27,000	27,567.909	27,674.705	27,734.994	28,266.509	29,167.357	33,844.945	37,262.687	37,108.696
? Weighted Average Shares Outstanding Diluted	22,678	27,000	27,619.076	27,974.185	27,875.984	28,393.996	29,279.787	33,928.939	37,498.269	37,108.696
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Balance Sheet

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Cash And Cash Equivalents	56,014	41,778	57,614	57,926	70,760	254,621	112,790	75,551	28,896	20,426
? Short Term Investments	394,312	369,995	393,331	402,190	432,233	575,600	1,427,677	1,268,025	1,299,701	1,266,553
? Cash And Short Term Investments	416,812	389,673	411,116	420,232	502,993	830,221	1,540,467	1,289,420	103,658	1,286,979
? Net Receivables	0	0	0	0	0	0	0	0	0	0
? Accounts Receivables										0
? Inventory	0	0	0	0	0	0	0	0	0	0
? Total Current Assets	1,408,489	1,527,739	1,698,083	1,854,381	502,993	830,221	1,540,467	1,289,420	103,658	1,286,979
? Property Plant Equipment Net	24,190	23,225	22,286	21,211	23,817	25,620	37,520	39,173	44,364	52,274
? Goodwill	35,090	37,164	38,201	38,201	38,201	45,775	94,240	94,640	167,446	167,450
? Intangible Assets	7,821	7,990	7,168	5,751	4,444	3,842	8,366	7,026	22,842	20,750
? Long Term Investments	394,312	369,995	393,331	409,320	440,142	582,481	1,458,136	1,301,469	1,352,905	22,000
? Total Non Current Assets	461,413	438,374	460,986	474,483	506,604	657,718	1,598,262	1,442,308	4,974,267	262,474
? Total Assets	1,869,902	1,966,113	2,159,069	2,328,730	2,449,158	3,071,148	4,142,749	4,082,200	5,078,350	5,118,924
? Account Payables	0	0	0	0	0	0	0	0	0	0
? Short Term Debt	225,832	198,460	289,565	244,759	77,050	2,521	0	95,000	355,000	305,000
? Deferred Revenue	0	0	0	0	0	0	0	0	0	0
? Total Current Liabilities	225,832	198,460	289,565	244,759	77,050	2,521	2,859,416	95,000	355,000	305,000
? Long Term Debt	22,153	15,036	6,994	6,033	45,147	76,385	87,758	88,211	88,663	0
? Deferred Revenue Non Current	0	0	-18,270	0	0	0	0	0	0	0
? Deferred Tax Liabilities Non Current	0	0	2,553	0	0	0	0	0	0	0
? Total Non Current Liabilities	22,153	15,036	6,994	6,033	45,147	76,385	87,758	95,000	4,318,935	4,407,896
? Total Liabilities	1,671,855	1,752,897	1,916,995	2,066,410	2,149,849	2,721,051	87,758	3,789,905	4,673,935	4,712,896
? Treasury Stock										0
? Preferred Stock	0	0	0	0	0	0	0	0	0	0
? Common Stock	176,287	178,317	186,903	186,163	186,345	208,763	306,123	305,340	365,305	366,059
? Retained Earnings	26,316	42,547	59,208	83,630	108,851	138,073	173,896	212,375	236,757	257,173
? Additional Paid In Capital										0
? Total Stockholders Equity	198,047	213,216	242,074	262,320	299,309	350,097	472,432	292,295	404,415	406,028
? Total Equity	198,047	213,216	242,074	262,320	299,309	350,097	472,432	292,295	404,415	406,028
? Minority Interest	0	0	0	0	0	0	0	0	0	0
? Total Liabilities And Total Equity	1,869,902	1,966,113	2,159,069	2,328,730	2,449,158	3,071,148	4,142,749	4,082,200	5,078,350	5,118,924
? Total Investments	788,624	739,990	786,662	811,510	872,375	1,158,081	2,885,813	2,569,494	2,652,606	1,288,553
? Total Debt	247,985	213,496	296,559	250,792	122,197	78,906	87,758	183,211	443,663	305,000
? Net Debt	191,971	171,718	238,945	192,866	51,437	-175,715	-25,032	107,660	414,767	284,574
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Cash Flow Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Net Income	8,055	20,557	22,711	32,569	35,760	41,876	51,844	60,597	49,932	45,949
? Depreciation And Amortization	2,751	3,667	3,139	2,991	2,839	3,122	3,539	4,899	7,327	6,401
? Deferred Income Tax	4,590	2,932	2,156	2,798	383	-314	-594	0	0	0
? Stock Based Compensation	486	892	2,361	1,675	1,385	1,443	1,193	1,817	2,612	2,643
? Change In Working Capital	-9,397	-7,473	-2,139	-911	-3,856	-5,393	-8,081	10,065	-3,860	4,365
? Accounts Receivables	0	0	0	0	0	0	0	0	0	0
? Inventory	0	0	0	0	0	0	0	0	0	0
? Accounts Payables	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Operating Activities	6,323	24,295	30,566	39,989	38,761	50,008	54,933	83,685	62,306	66,615
? Investments In Property Plant And Equipment	-1,299	-788	-956	-450	-1,458	-3,696	-1,375	-5,505	-3,880	0
? Acquisitions Net	29,749	-1,073	16,203	-160,204	-77,302	-3,146	83,773	-1,033	-13,175	-600
? Purchases Of Investments	-72,683	-52,628	-114,600	-70,883	-84,988	-177,054	-851,125	-242,385	-2,590	-105,750
? Sales Maturities Of Investments	165,500	71,397	97,601	53,253	70,309	121,525	111,070	118,267	145,967	108,736
? Net Cash Provided By Investing Activities	0	0	0	0	0	0	0	0	0	-95,125
? Net Debt Issuance	0	0	0	0	0	0	0	0	0	-52,535
? Long Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	-2,535
? Short Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	-50,000
? Net Stock Issuance	0	0	0	0	0	0	0	0	0	0
? Net Dividends Paid	-2,683	-4,326	-6,012	-8,316	-10,539	-12,654	-14,072	-22,004	-25,396	-25,388
? Common Dividends Paid										-25,388
? Preferred Dividends Paid	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Financing Activities	45,376	76,665	122,379	139,644	67,219	294,682	226,849	87,529	-112,135	10,590
? Effect Of Forex Changes On Cash	0	0	0	0	0	0	0	0	0	0
? Net Change In Cash	28,586	-14,236	15,836	312	12,834	183,861	-141,831	-37,239	28,107	-17,920
? Cash At End Of Period	56,014	41,778	57,614	57,926	70,760	254,621	112,790	75,551	103,658	85,738
? Cash At Beginning Of Period	27,428	56,014	41,778	57,614	57,926	70,760	254,621	112,790	75,551	103,658
? Operating Cash Flow	6,323	24,295	30,566	39,989	38,761	50,008	54,933	83,685	62,306	66,615
? Capital Expenditure	-1,299	-788	-956	-450	-1,458	-3,696	-1,375	-5,505	-3,880	0
? Free Cash Flow	5,024	23,507	29,610	39,539	37,303	46,312	53,558	78,180	58,426	66,615
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Analyst Estimates

(* All numbers are in thousands)

Fiscal Year	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Estimated Revenue (Low)	100,846.667	105,713.333	112,033.333	131,300	143,625	165,972.043	179,492.042	173,244.749	182,995.601	191,491.049
Estimated Revenue (High)	100,846.667	105,713.333	112,033.333	131,300	143,625	166,894.622	182,107.957	174,055.250	184,004.398	192,308.950
Estimated Revenue (Avg)	100,846.667	105,713.333	112,033.333	131,300	143,625	166,433.333	180,800	173,650	183,500	191,900
Estimated Ebitda (Low)	33,371.404	42,091.140	50,272.071	38,787.281	48,656.396	61,697.113	67,866.823	76,216.368	80,506.105	84,243.547
Estimated Ebitda (High)	50,057.107	63,136.711	75,408.106	58,180.920	72,984.596	92,545.671	101,800.238	76,572.935	80,949.910	84,603.370
Estimated Ebitda (Avg)	41,714.256	52,613.926	62,840.089	48,484.101	60,820.496	77,121.393	84,833.531	76,394.652	80,728.008	84,423.459
Estimated Net Income (Low)	17,780.942	25,117.468	27,422.131	23,364.137	33,748.007	43,636.472	39,945.598	43,888.350	53,369.787	57,871.455
Estimated Net Income (High)	26,671.413	37,676.203	41,133.197	35,046.207	50,622.012	65,454.709	59,918.400	44,607.567	56,000.666	58,998.653
Estimated Net Income (Avg)	22,226.178	31,396.836	34,277.664	29,205.172	42,185.010	54,545.591	49,932	44,247.959	54,766.670	58,366.670
Estimated SGA Expense (Low)	29,820.604	30,459.967	30,866.984	24,096.539	29,913.204	29,730.453	32,703.496	59,154.188	62,483.604	65,384.363
Estimated SGA Expense (High)	44,730.907	45,689.952	46,300.475	36,144.809	44,869.809	44,595.683	49,055.250	59,430.933	62,828.056	65,663.634
Estimated SGA Expense (Avg)	37,275.756	38,074.960	38,583.730	30,120.674	37,391.507	37,163.069	40,879.374	59,292.561	62,655.830	65,523.999
Estimated EPS (Avg)	0.880	1.160	1.270	1.430	1.970	1.830	1.290	1.180	1.450	1.550
Estimated EPS (High)	0.880	1.160	1.270	1.430	1.970	1.840	1.300	1.190	1.490	1.570
Estimated EPS (Low)	0.880	1.160	1.270	1.430	1.970	1.820	1.290	1.170	1.420	1.540
Number of Analysts (Estimated Revenue)	6	6	1	1	1	1	2	2	2	2
Number of Analysts (Estimated EPS)	5	5	1	1	1	1	2	3	3	3

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Current Key Metrics

?	Revenue (TTM) :	269.506M	?	P/S (TTM) :	1.77
?	Net Income (TTM) :	45.949M	?	P/E (TTM) :	10.04
?	Enterprise Value (TTM) :	653.868M	?	EV/FCF (TTM) :	11.9
?	Dividend Yield (TTM) :	0.05	?	Payout Ratio (TTM) :	0.53
?	ROE (TTM) :	0.12	?	ROIC (TTM) :	0.07
?	Net Debt (TTM) :	380.666M	?	Debt/Equity (TTM) :	0.44
?	P/B (TTM) :	1.13	?	Current Ratio (TTM) :	0.15

Forward P/E Ratios

?

Forward P/E calculated based on:

Forward P/E 1Y	Forward P/E 2Y	Forward P/E 3Y	Forward P/E 4Y	Forward P/E 5Y
14.61	11.09	10.13	8.99	6.53

SWOT Analysis

No SWOT analysis available for this stock.

FMNB

0.23

4.17

1.69

2.32

-7.41

12.19

12

Trading Metrics:

Open:	12.91	Previous Close:	12.83
Day Low:	12.79	Day High:	12.97
Year Low:	11.58	Year High:	16.32
Price Avg 50:	13.12	Price Avg 200:	14.03
Volume:	110094	Average Volume:	93576

FMNB

Farmers National Banc Corp.

About The Company

Revenue Segmentation

EPS

Earnings Call

Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Current Key Metrics

Forward P/E Ratios

SWOT Analysis

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