Farmers National Banc Corp. FMNB

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Price alert · FMNB

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15.64 USD -0.13 -0.82%

At close · Oct 30

15.64 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
15.66 × 2
Ask
15.67 × 2
15.61 Day range 15.91
12.30 52-week range 16.38
YTD
+17.42%
1 year
+19.75%
Open
15.87
Prev close
15.77
Mkt cap
926.65M
Vol
349.52K
Avg vol
357.35K
EPS
1.38
P/E
11.33
Div yield
4.67%
More statistics
Low
15.61
High
15.91
Forward P/E
10.08
Beta
0.85
Short ratio
2.80
Inst. own
39.29%
Dividend
0.68
Ex-div date
Dec 12, 2024
Earnings
Jan 22, 2025
50-d avg
15.07
200-d avg
13.82
1y target
16.67

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Financial health

Altman Z-Score

0.19 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 2
  • P/E 3
  • P/B 3

Valuation

P/E 9.1×
FY 2016: 18.7×FY 2017: 18.0×FY 2018: 10.8×FY 2019: 12.7×FY 2020: 9.0×FY 2021: 10.4×FY 2022: 7.9×FY 2023: 10.8×FY 2024: 11.6×FY 2025: 9.1×
FY 2016 5y median 10.4× FY 2025
P/S 1.8×
FY 2016: 4.0×FY 2017: 3.9×FY 2018: 3.0×FY 2019: 3.5×FY 2020: 2.5×FY 2021: 3.5×FY 2022: 2.7×FY 2023: 2.1×FY 2024: 2.0×FY 2025: 1.8×
FY 2016 5y median 2.1× FY 2025
P/B 1.0×
FY 2016: 1.8×FY 2017: 1.7×FY 2018: 1.3×FY 2019: 1.5×FY 2020: 1.1×FY 2021: 1.1×FY 2022: 1.6×FY 2023: 1.3×FY 2024: 1.3×FY 2025: 1.0×
FY 2016 5y median 1.3× FY 2025
P/FCF 9.6×
FY 2016: 16.3×FY 2017: 13.7×FY 2018: 9.2×FY 2019: 12.1×FY 2020: 8.3×FY 2021: 10.1×FY 2022: 6.1×FY 2023: 9.1×FY 2024: 9.7×FY 2025: 9.6×
FY 2016 5y median 9.6× FY 2025
EV/EBITDA 11.8×
FY 2016: 18.2×FY 2017: 18.9×FY 2018: 14.2×FY 2019: 12.0×FY 2020: 8.1×FY 2021: 9.1×FY 2022: 8.2×FY 2023: 14.4×FY 2024: 14.6×FY 2025: 11.8×
FY 2016 5y median 11.8× FY 2025
EV/Sales 3.1×
FY 2016: 6.0×FY 2017: 6.6×FY 2018: 5.0×FY 2019: 4.2×FY 2020: 2.9×FY 2021: 3.9×FY 2022: 3.6×FY 2023: 3.7×FY 2024: 3.3×FY 2025: 3.1×
FY 2016 5y median 3.6× FY 2025
FCF Yield 10.4%
FY 2016: 6.1%FY 2017: 7.3%FY 2018: 10.9%FY 2019: 8.2%FY 2020: 12.1%FY 2021: 9.9%FY 2022: 16.5%FY 2023: 11.0%FY 2024: 10.3%FY 2025: 10.4%
FY 2016 5y median 10.4% FY 2025

Profitability

Gross Margin 63.8%
FY 2016: 91.4%FY 2017: 90.2%FY 2018: 86.1%FY 2019: 83.0%FY 2020: 83.0%FY 2021: 91.4%FY 2022: 89.3%FY 2023: 66.8%FY 2024: 60.2%FY 2025: 63.8%
FY 2016 5y median 66.8% FY 2025
Operating Margin 23.9%
FY 2016: 29.3%FY 2017: 31.7%FY 2018: 32.6%FY 2019: 33.1%FY 2020: 33.9%FY 2021: 40.2%FY 2022: 40.9%FY 2023: 23.0%FY 2024: 20.6%FY 2025: 23.9%
FY 2016 5y median 23.9% FY 2025
Net Margin 20.1%
FY 2016: 21.5%FY 2017: 21.7%FY 2018: 27.8%FY 2019: 27.5%FY 2020: 28.2%FY 2021: 33.5%FY 2022: 34.1%FY 2023: 19.6%FY 2024: 17.1%FY 2025: 20.1%
FY 2016 5y median 20.1% FY 2025
ROE 11.2%
FY 2016: 9.6%FY 2017: 9.4%FY 2018: 12.4%FY 2019: 11.9%FY 2020: 12.0%FY 2021: 11.0%FY 2022: 20.7%FY 2023: 12.3%FY 2024: 11.3%FY 2025: 11.2%
FY 2016 5y median 11.3% FY 2025
ROIC 1.0%
FY 2016: 4.7%FY 2017: 4.1%FY 2018: 6.2%FY 2019: 8.1%FY 2020: 9.1%FY 2021: 8.7%FY 2022: 11.6%FY 2023: 5.5%FY 2024: 5.4%FY 2025: 1.0%
FY 2016 5y median 5.5% FY 2025
ROA 1.0%
FY 2016: 1.0%FY 2017: 1.1%FY 2018: 1.4%FY 2019: 1.5%FY 2020: 1.4%FY 2021: 1.3%FY 2022: 1.5%FY 2023: 1.0%FY 2024: 0.9%FY 2025: 1.0%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 0.9%
FY 2016: 32.7%FY 2017: 9.2%FY 2018: 12.1%FY 2019: 10.9%FY 2020: 14.2%FY 2021: 4.2%FY 2022: 15.0%FY 2023: 43.4%FY 2024: 5.6%FY 2025: 0.9%
FY 2016 FY 2025
Operating Income 17.4%
FY 2016: 165.7%FY 2017: 18.3%FY 2018: 15.4%FY 2019: 12.5%FY 2020: 16.7%FY 2021: 23.6%FY 2022: 17.3%FY 2023: -19.4%FY 2024: -5.6%FY 2025: 17.4%
FY 2016 FY 2025
EPS (diluted) 18.9%
FY 2016: 111.1%FY 2017: 7.9%FY 2018: 41.5%FY 2019: 10.3%FY 2020: 14.8%FY 2021: 20.4%FY 2022: 1.1%FY 2023: -25.7%FY 2024: -8.3%FY 2025: 18.9%
FY 2016 FY 2025
Free Cash Flow -5.0%
FY 2016: 367.9%FY 2017: 26.0%FY 2018: 29.4%FY 2019: -2.6%FY 2020: 21.6%FY 2021: 18.0%FY 2022: 47.4%FY 2023: -25.2%FY 2024: -7.0%FY 2025: -5.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.3×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.1×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.3×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.1×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.8×
FY 2016: 1.0×FY 2017: 1.2×FY 2018: 1.0×FY 2019: 0.4×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.6×FY 2023: 1.1×FY 2024: 1.0×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
Net Debt / EBITDA 4.8×
FY 2016: 6.1×FY 2017: 7.7×FY 2018: 5.6×FY 2019: 2.2×FY 2020: 1.1×FY 2021: 0.9×FY 2022: 2.1×FY 2023: 6.3×FY 2024: 6.0×FY 2025: 4.8×
FY 2016 5y median 4.8× FY 2025
Interest Coverage 0.7×
FY 2016: 6.4×FY 2017: 4.8×FY 2018: 2.9×FY 2019: 2.2×FY 2020: 3.1×FY 2021: 7.3×FY 2022: 4.1×FY 2023: 0.8×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.8× FY 2025

Dividends

Dividend Yield 5.1%
FY 2016: 1.1%FY 2017: 1.5%FY 2018: 2.4%FY 2019: 2.3%FY 2020: 3.4%FY 2021: 2.6%FY 2022: 4.6%FY 2023: 4.7%FY 2024: 4.8%FY 2025: 5.1%
FY 2016 5y median 4.7% FY 2025
Payout Ratio 46.7%
FY 2016: 21.0%FY 2017: 26.5%FY 2018: 25.5%FY 2019: 29.5%FY 2020: 30.2%FY 2021: 27.1%FY 2022: 36.3%FY 2023: 50.9%FY 2024: 55.3%FY 2025: 46.7%
FY 2016 5y median 46.7% FY 2025

Annual · latest fiscal year ends 2025-12-31