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Farmers National Banc Corp.(FMNB)Earnings, Financials & Key Ratios
FMNB•NASDAQ•Banking & Credit
$14.35
9.9× P/E·Price updated Jul 7, 2026
AboutFarmers 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.Show more
- Net Interest Income$142M+12.2%
- Total Revenue$272M+0.9%
- Net Income$55M+18.8%
- Return on Equity12.24%+8.0%
- Net Interest Margin2.72%+9.5%
- Efficiency Ratio39.86%+0.7%
- ROA1.05%+16.9%
- Equity / Assets9.26%+16.7%
- Book Value per Share12.91+19.2%
FMNB Price & Volume
Farmers National Banc Corp. (FMNB) stock price & volume — 10-year historical chart
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Strategic Asset Expansion Drives Revenue Growth Inflection
Investment Thesis • Updated 2026Q1
VerdictNeutral: While the 26.5% NII growth in 2026Q1 is encouraging
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Geographic and CRE concentration
Key Thesis Takeaways
- Farmers National Banc Corp.
- is currently navigating a transition phase characterized by aggressive inorganic asset growth, which pushed total assets to $7.2 billion in 2026Q1.
- While the 26.5% NII growth rate in the most recent quarter suggests a positive inflection, investors should remain cautious regarding the persistent 0.6% to 0.7% NIM compression and the geographic concentration risks inherent in the Northeast Ohio market.
- Future performance will likely depend on the bank's ability to stabilize its efficiency ratio, which has fluctuated between 37.8% and 44.7% over the last two years.
Verdict Logic
the persistent 0.6% NIM and the volatility in provision expenses, which swung from a $7.0 million charge to a $1.0 million credit, warrant further monitoring of core earnings quality.
FMNB Growth Metrics
Farmers National Banc Corp. (FMNB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years14.19%
5 Years12.85%
3 Years15.18%
TTM-
Profit CAGR
10 Years21.09%
5 Years5.44%
3 Years-3.42%
TTM18.61%
EPS CAGR
10 Years14.95%
5 Years-0.27%
3 Years-6.78%
TTM13.28%
Return on Capital
10 Years11.49%
5 Years10.13%
3 Years8.2%
Last Year2.36%
FMNB Recent Earnings
Farmers National Banc Corp. (FMNB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 3/12 qtrs (27%)
Q2 2026Latest
Apr 22, 2026Metric
Actual
Est
EPS
$0.45+21.6%
$0.37
Rev
$56M+2.7%
$55M
Q1 2026
Feb 4, 2026Metric
Actual
Est
EPS
$0.39-17.0%
$0.47
Rev
$70M
—
Q1 2026
Jan 28, 2026Metric
Actual
Est
EPS
$0.40-14.9%
$0.47
Rev
$49M-3.1%
$51M
Q4 2025
Oct 22, 2025Metric
Actual
Est
EPS
$0.42+2.4%
$0.41
Rev
$48M-6.4%
$51M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.45vs $0.37+21.6% | $56Mvs $55M+2.7% |
| Q1 2026 | Feb 4, 2026 | $0.39vs $0.47-17.0% | $70M |
| Q1 2026 | Jan 28, 2026 | $0.40vs $0.47-14.9% | $49Mvs $51M-3.1% |
| Q4 2025 | Oct 22, 2025 | $0.42vs $0.41+2.4% | $48Mvs $51M-6.4% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Farmers National Banc Corp. (FMNB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $14.35 | $563.41M | 9.90 | 0.88% | 20.08% | 12.24% | 4.72% | |
| $41.65 | $196.21M | 12.58 | 5.93% | 16.05% | 9.29% | — | |
| $80.00 | $260.35M | 9.65 | 11.78% | 14.94% | 11.03% | — | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $30.54 | $186.22M | 9.95 | 8.26% | 19.68% | 12.22% | — | |
| $28.62 | $367.76M | 13.89 | 18.96% | 14.29% | 8.79% | — |
Compare FMNB vs Peers
Farmers National Banc Corp. (FMNB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FMNB SEC Filings & Documents
Farmers National Banc Corp. (FMNB) SEC filings — annual & quarterly reports (10-K, 10-Q)
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FMNB Frequently Asked Questions
Farmers National Banc Corp. (FMNB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Farmers National Banc Corp. growing?
Farmers National Banc Corp. (FMNB) grew revenue by 0.9% over the past year. Growth has been modest.
Is FMNB profitable?
Yes, Farmers National Banc Corp. (FMNB) is profitable, generating $57.3M in net income for fiscal year 2025 (20.1% net margin).
Dividend & Returns
Does FMNB pay dividends?
Yes, Farmers National Banc Corp. (FMNB) pays a dividend with a yield of 4.72%. This makes it attractive for income-focused investors.
What is FMNB's return on equity?
Farmers National Banc Corp. (FMNB) has a return on equity (ROE) of 12.2%. This is reasonable for most industries.
Industry Metrics
What is Farmers National Banc Corp.'s net interest margin?
Farmers National Banc Corp. (FMNB) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.
What is Farmers National Banc Corp.'s efficiency ratio?
Farmers National Banc Corp. (FMNB) has an efficiency ratio of 39.9%. This is excellent, indicating strong cost control.