FMNB
NASDAQ
US
Farmers National Banc Corp. - Common Stock
$13.41
▲ +$0.02
(+0.15%)
Vol 446K
10
Quality Score
ok
Deep Check
2/5
ok
Rev ✓
NI ✓
>IPO ✗
Mkt Cap
$501.5M
P/E
9.2
ROE
12.5%
Margin
28.3%
D/E
18.58
Beta
0.89
Div Yield
5.11%
52W
$12–$16
Wall Street Consensus
9 analysts · Apr 20262
Strong Buy
5
Buy
2
Hold
0
Sell
0
Strong Sell
77.8%
Buy Rating
Price Chart
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Earnings
Beat rate: 50.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.48 | $0.40 | $-0.08 |
| Sep 2025 | $0.41 | $0.42 | +$0.01 |
| Jun 2025 | $0.37 | $0.37 | $0.00 |
| Mar 2025 | $0.35 | $0.39 | +$0.04 |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|---|
| Revenue | — | $44.2M | $44.7M | $47.0M | $47.7M | $49.1M |
| Net Income | — | $14.4M | $13.6M | $13.9M | $12.5M | $14.6M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 11.8% | 11.8% | 11.8% | 12.5% | 12.5% | 12.5% |
| P/E (TTM) | 10.30 | 10.57 | 10.67 | 8.99 | 9.44 | 9.23 |
| Net Margin | — | 28.3% | 28.3% | 28.3% | 28.3% | 28.3% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 19.74 | 19.74 | 19.74 | 69.02 | 18.58 | 18.58 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
1.1%
P/S (TTM)
2.74
P/B
1.3
EPS (TTM)
$1.44
CF/Share
$1.53
Rev Growth 3Y
+11.7%
52W High
$15.50
52W Low
$11.58
$11.58
52-Week Range
$15.50
Financial Health
Free Cash Flow
$18.6M
Net Debt
$347.2M
Cash
$20.5M
Total Debt
$367.7M
As of Dec 31, 2025
How does FMNB compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
FMNB valuation vs Banking peers
P/E ratio
9.2
▼
27%
below
peers
(12.6)
vs Peers
vs Industry
Undervalued
P/S ratio
2.7
▲
18%
above
peers
(2.3)
vs Peers
vs Industry
Pricier
P/B ratio
1.3
▲
25%
above
peers
(1.1)
vs Peers
vs Industry
Overvalued
Div yield
5.1%
▲
71%
above
peers
(3.0%)
vs Peers
vs Industry
Strong yield
FMNB profitability vs Banking peers
ROE
12.5%
▲
39%
above
peers
(9.0%)
vs Peers
vs Industry
Top tier
Net margin
28.3%
▼
1%
below
peers
(28.6%)
vs Peers
vs Industry
In line
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
1.1%
▲
11%
above
peers
(1.0%)
vs Peers
vs Industry
In line
FMNB financial health vs Banking peers
D/E ratio
18.6
▲
34%
above
peers
(13.8)
vs Peers
vs Industry
High debt
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.9
▲
28%
above
peers
(0.7)
vs Peers
vs Industry
More volatile
FMNB fundamentals radar
FMNB
Peer median
Industry
FMNB profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
FMNB vs peers: key metrics
Insider Activity
NeutralBuys
0
Sells
0
VARISCHETTI NICHOLAS D.
Director · Mar 26
73000 shs
RICHARDSON GINA A.
Director · Mar 19
441 shs
HELMICK KEVIN J
Chief Executive Officer · Mar 11
3000 shs
RICHARDSON GINA A.
Director · Mar 05
1231 shs
MURANSKY EDWARD W
Director · Mar 03
40000 shs
ADAIR ALAN TROY
Chief Financial Officer · Feb 24
12423 shs
MATUSZAK MICHAEL E
Chief Operating Officer · Feb 24
11479 shs
HELMICK KEVIN J
Chief Executive Officer · Feb 24
32976 shs
WENICK MARK J.
Officer · Feb 24
10074 shs
WALLACE SOUKENIK AMBER B
Officer · Feb 24
8768 shs
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As of Dec 31, 2025
Dividends
$0.68
/ year
Feb 13, 2026
$0.1700
Dec 12, 2025
$0.1700
Sep 12, 2025
$0.1700
Jun 13, 2025
$0.1700
Mar 14, 2025
$0.1700
Dec 13, 2024
$0.1700
Sep 13, 2024
$0.1700
Jun 14, 2024
$0.1700
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