Farmers National Banc Corp /Oh/
FMNB Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$15.65
KIRA · Stoqly’s AI analyst, in plain words
- Farmers National Banc Corp /Oh/ had $280M of revenue in fiscal 2025, up 3.9% on the year before. Over five years, revenue changed +16.2% a year on average.
- Farmers National Banc Corp /Oh/ made $54.6M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 7.4% a year.
- Farmers National Banc Corp /Oh/ returned $25.5M to shareholders in fiscal 2025, 49% of free cash flow. The diluted share count rose 0.3%.
- It earned 12.2% on shareholders’ money. Running costs took 41.6% of revenue (the efficiency ratio; lower is better).
Market cap
$927M
P/E
10.6x
Revenue
$280M
Net income
$54.6M
Return on equity
12.2%
Efficiency ratio
41.6%
Farmers National Banc Corp /Oh/ in 30 seconds · fiscal 2025
Are sales growing?
+3.9%
Only a little. Sales grew 3.9% last year.
Does it make a profit?
19.5%
Yes. It keeps 19.5% of every sale as profit.
How lean are its costs?
41.6%
Lean. Running costs take 41.6% of revenue.
How much does it earn on its capital?
12.2%
Good. It earns 12.2% a year on shareholders’ money.
How is the share priced?
10.6x
One share costs 10.6 times its yearly profit per share.
What Farmers National Banc Corp /Oh/ does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 5, 2026
- Legal name
- FARMERS NATIONAL BANC CORP /OH/
- CIK
- 0000709337
Farmers National Banc Corp /Oh/ · FMNB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $146M | $186M | $255M | $269M | $280M |
| Revenue growth | 10.5% | 27.4% | 37.0% | 5.6% | 3.9% |
| Net interest income | $108M | $124M | $138M | $128M | $142M |
| Net income | $51.8M | $60.6M | $49.9M | $45.9M | $54.6M |
| Net margin | 35.5% | 32.5% | 19.6% | 17.1% | 19.5% |
| Diluted EPS | $1.77 | $1.79 | $1.33 | $1.22 | $1.45 |
| Cash | |||||
| Cash from operations | $54.9M | $81.5M | $62.9M | $66.6M | $60.0M |
| Capital expenditure | $1.4M | $2.6M | $3.9M | $11.7M | $7.9M |
| Free cash flow | $53.6M | $78.9M | $59.0M | $54.9M | $52.2M |
| FCF margin | 36.6% | 42.4% | 23.1% | 20.4% | 18.6% |
| Dividends paid | $14.1M | $22.0M | $25.4M | $25.4M | $25.5M |
| Share buybacks | $0.2M | $0.0M | $11.5M | $0.0M | $0.0M |
| Share count change | 3.1% | 15.9% | 10.5% | 0.0% | 0.3% |
| Debt and strength | |||||
| Debt incl. finance leases | $87.8M | $192M | $444M | $391M | $368M |
| Loans, net | $2.3B | $2.4B | $3.2B | — | — |
| Deposits | $3.5B | $3.6B | $4.2B | $4.3B | $4.3B |
| Shareholders' equity | $472M | $292M | $404M | $406M | $486M |
| Returns and quality | |||||
| Return on equity | 12.6% | 15.8% | 14.3% | 11.3% | 12.2% |
| Return on tangible equity | 14.0% | 31.8% | 23.3% | 21.1% | 18.2% |
| Efficiency ratio | 54.2% | 50.7% | 43.8% | 39.6% | 41.6% |
| Piotroski F-score | 4 | 5 | 4 | 5 | 6 |
Insiders bought, 12 months
$1.5M
4 insiders
Insiders sold, 12 months
$0.4M
2 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Farmers National Banc Corp /Oh/ · FMNB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $15.65 a share, the company is worth $927M: 10.6 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000709337). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.