Farmers National Banc Corp. (FMNB) Earnings History
Turnaround31 years of earnings data (1995–2025) · Recovering earnings after a multi-year decline
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Farmers National Banc Corp. (FMNB) Earnings Overview
As of July 8, 2026, Farmers National Banc Corp. (FMNB) reported trailing twelve-month net income of $57M, reflecting +18.9% year-over-year growth. The company earned $1.28 per diluted share over the past four quarters, with a net profit margin of 20.1%.
Looking at the long-term picture, FMNB's 5-year EPS compound annual growth rate (CAGR) stands at -0.3%, signaling declining earnings. The company achieved its highest annual net income of $61M in fiscal 2022.
Farmers National Banc Corp. maintains industry-leading profitability with a gross margin of 63.8%, operating margin of 23.9%, and net margin of 20.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including OVBC ($15M net income, 16.6% margin), CFFI ($28M net income, 14.4% margin), CZWI ($15M net income, 16.0% margin), FMNB has outperformed on profitability metrics. Compare FMNB vs OVBC →
FMNB Earnings vs Peers
Earnings metrics vs comparable public companies
FMNB Historical Earnings Data (1995–2025)
31 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $55M | +18.8% | $65M | $1.45 | 20.1% | 23.9% |
| 2024 | $46M | -8.0% | $55M | $1.22 | 17.1% | 20.6% |
| 2023 | $50M | -17.6% | $59M | $1.33 | 19.6% | 23.0% |
| 2022 | $61M | +16.9% | $73M | $1.79 | 34.1% | 40.9% |
| 2021 | $52M | +23.8% | $62M | $1.77 | 33.5% | 40.2% |
| 2020 | $42M | +17.1% | $50M | $1.47 | 28.2% | 33.9% |
| 2019 | $36M | +9.8% | $43M | $1.28 | 27.5% | 33.1% |
| 2018 | $33M | +43.4% | $38M | $1.16 | 27.8% | 32.6% |
| 2017 | $23M | +10.5% | $33M | $0.82 | 21.7% | 31.7% |
| 2016 | $21M | +155.2% | $28M | $0.76 | 21.5% | 29.3% |
| 2015 | $8M | -10.2% | $11M | $0.36 | 11.2% | 14.6% |
| 2014 | $9M | +15.2% | $12M | $0.48 | 15.9% | 20.6% |
| 2013 | $8M | -21.7% | $9M | $0.41 | 14.2% | 17.2% |
| 2012 | $10M | +7.7% | $13M | $0.53 | 17.8% | 23.3% |
| 2011 | $9M | +2.5% | $12M | $0.50 | 16.2% | 20.6% |
| 2010 | $9M | +53.9% | $12M | $0.66 | 14.6% | 18.7% |
| 2009 | $6M | +3.1% | $7M | $0.44 | 9.9% | 11.7% |
| 2008 | $6M | -4.4% | $7M | $0.43 | 10.9% | 12.9% |
| 2007 | $6M | -17.9% | $7M | $0.46 | 11.7% | 14.0% |
| 2006 | $7M | -10.5% | $9M | $0.55 | 14.7% | 18.7% |
| 2005 | $8M | +12.2% | $11M | $0.62 | 17.2% | 23.0% |
| 2004 | $7M | -24.5% | $10M | $0.55 | 15.8% | 21.2% |
| 2003 | $10M | +19.9% | $13M | $0.74 | 20.4% | 28.9% |
| 2002 | $8M | -8.4% | $11M | $0.62 | 16.8% | 23.9% |
| 2001 | $9M | +13.1% | $10M | $0.57 | 17.6% | 20.8% |
| 2000 | $8M | +39.2% | $8M | $0.46 | 15.7% | 17.2% |
| 1999 | $6M | +7.5% | $8M | $0.66 | 17.1% | 24.9% |
| 1998 | $5M | +7.9% | $8M | $0.63 | 33.5% | 49.3% |
| 1997 | $5M | +14.8% | $7M | $0.61 | 32.1% | 47.1% |
| 1996 | $4M | +15.5% | $6M | $0.52 | 32.1% | 47.0% |
| 1995 | $4M | - | $5M | $0.45 | 31.6% | 46.2% |
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FMNB — Frequently Asked Questions
Quick answers to the most common questions about buying FMNB stock.
What is FMNB earnings per share (EPS)?
FMNB trailing twelve-month (TTM) diluted EPS is $1.28, reflecting +18.9% year-over-year growth. The 5-year EPS CAGR is -0.3%. Complete EPS history from 1995 to 2025 is available in the table on this page.
What is Farmers National Banc Corp.'s net income?
Farmers National Banc Corp. (FMNB) trailing twelve-month net income is $57M as of 2025. Earnings grew +18.9% year-over-year. Farmers National Banc Corp. has been profitable for 31 consecutive years.
Is FMNB profitable?
Yes, FMNB is profitable with a TTM net income of $57M and a net profit margin of +20.1%. Farmers National Banc Corp. has generated profits for 31 consecutive years.
What is FMNB's earnings growth rate?
FMNB compound annual EPS growth rates (CAGR): 1-Year: +18.9%, 3-Year: -6.8%, 5-Year: -0.3%, 10-Year: +14.9%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1995 to 2025.
What are FMNB's profit margins?
Farmers National Banc Corp. net profit margin is +20.1%, operating margin is +23.9%, and gross margin is +63.8%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +12.2%.
Is FMNB growing earnings?
Yes, FMNB earnings are accelerating — EPS growth of +18.9% exceeds the 5-year CAGR of -0.3%. TTM net income reached $57M. Earnings momentum is strengthening.
What was FMNB's best earnings year?
Farmers National Banc Corp.'s highest annual net income on record is $61M, achieved in fiscal year 2022. Earnings history on this page spans 1995 to 2025 and includes all annual and quarterly figures.
What were FMNB's earnings last quarter?
FMNB's most recent reported quarter was Q1 2026. Net income was $16M with diluted EPS of $0.36. For a full breakdown of all quarters, see the quarterly earnings table on this page.