Farmers National Banc Corp. (FMNB) AI Stock Analysis

Farmers National Banc Corp. operates as a diversified financial holding company headquartered in Canfield, Ohio. Founded in 1887, the company delivers commercial and retail banking services, including checking, savings, time deposits, and loan products such as commercial, mortgage, installment, and home equity loans. It provides ATMs, Internet banking, safe deposit boxes, money orders, and home equity lines of credit. Beyond banking, Farmers National Banc Corp. offers trust administration, estate settlement, and employee benefit plans through its trust operations. The company also provides retirement consulting advisory services, property and casualty insurance products through licensed representatives, and invests in municipal securities.

Annual revenue grew from $154.7M in FY2021 to $271.8M in FY2025, reflecting a 5-year CAGR of 12.9%. Revenue expansion moderated to 0.9% in FY2025 following a 26.3% rise in FY2024 to $269.4M. Net margin moved from 33.5% in FY2021 to 20.1% in FY2025, while net income recovered to $54.6M in FY2025 from $45.9M in FY2024. Diluted earnings per share reached $1.58 in FY2025, compared to $1.29 in FY2024 and $2.14 in FY2021. For the trailing twelve months ended June 30, 2026, revenue stood at $218.4M with an operating margin of 47.0% and quarterly revenue growth of 56.4% year-over-year.

As of June 30, 2026, the company held $164.8M in cash and short-term investments against total debt of $455.4M, resulting in net debt of $290.6M. Shareholders' equity was $784.0M, supporting total assets of $7.14B, with a debt-to-equity ratio of 0.58 and a current ratio of 0.46. In FY2025, operating cash flow reached $60.0M, funding $7.9M in capital expenditures and generating free cash flow of $52.2M. The company distributed $25.5M in dividends during FY2025, while its share count grew 39.9% over five years.

At $15.30 per share, the company has a market capitalization of $906.5M and an enterprise value of $1.21B. It trades at a trailing price-to-earnings ratio of 10.3x, compared to the median of 12.1x for its US-listed Financial Services peers. Its forward price-to-earnings multiple of 11.2x is higher than the peer median of 10.8x, and its price-to-sales ratio is 4.2x versus the peer median of 3.2x. Over the past year, the stock returned 18.1%, outperforming the S&P 500's 16.8%, but its 5-year return of 15.3% trails the index return of 83.0%.

Farmers National Banc Corp. pays a forward annual dividend of $0.72 per share, representing a 4.71% dividend yield with a payout ratio of 41.1%. The quarterly dividend has been paid for 28 consecutive years, achieving an annualized five-year growth rate of 9.1%. The most recent ex-dividend date was September 11, 2026.

Wall Street coverage includes 3 analysts, consisting of 1 Strong Buy, 1 Buy, and 1 Hold rating. The mean price target is $17.00, representing an 11.1% upside from the last close of $15.30. Consensus estimates project full-year FY2026 revenue of $269.8M and earnings per share of $1.68, reflecting 6.8% earnings growth. For FY2027, analysts forecast revenue of $289.9M and EPS of $1.76. The company topped EPS estimates in 3 of the last 4 quarters, with next earnings scheduled for October 28, 2026.

This page is an AI-written research summary of Farmers National Banc Corp. (FMNB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: FMNB income statement, FMNB balance sheet, FMNB key metrics, FMNB analyst forecast, FMNB chart. See the FMNB stock overview for the latest quote and news.