FMNB

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Farmers National Banc Corp.

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Key Metrics

Previous Close: $15.65
52-Week Range: $12.12 – $16.46
Market Cap: $931.37M
P/E (TTM): 10.62
EPS (TTM): 1.48
Dividend Yield: 4.34%

Advanced Metrics

Price/Book: 1.19
PEG Ratio: 2.73
Return on Equity: 10.87%
Return on Assets: 1.08%
Gross Margin: 0.00%
Operating Margin: 46.99%
Profit Margin: 30.40%
Current Ratio: —
Debt/Equity: —
Total Debt: $469.22M
Free Cash Flow: —
Revenue Growth: 56.40%
Earnings Growth: 5.40%
Enterprise Value: $1.23B

FMNB Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$159.99M	$179.65M	$170.08M	$188.57M
Selling, General & Admin	$46.96M	$59.17M	$60.43M	$64.10M
Pretax Income	$72.83M	$58.70M	$55.43M	$65.05M
Income Tax	$12.24M	$8.77M	$9.48M	$10.46M
Net Income	$60.60M	$49.93M	$45.95M	$54.59M
Diluted EPS	1.79	1.33	1.22	1.45
Diluted Shares	33.93M	37.50M	37.51M	37.63M

FMNB Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$21.39M	$28.90M	$20.43M	$20.49M
Total Assets	$4.08B	$5.08B	$5.12B	$5.25B
Long-Term Debt	$88.21M	$88.66M	$86.15M	$86.73M
Total Debt	$183.21M	$443.66M	$391.15M	$367.73M
Total Liabilities	$3.79B	$4.67B	$4.71B	$4.76B
Retained Earnings	$212.38M	$236.76M	$257.17M	$286.20M
Shareholders' Equity	$292.30M	$404.42M	$406.03M	$485.73M
Net Debt	$161.82M	$414.77M	$370.72M	$347.25M

FMNB Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$81.50M	$62.93M	$66.61M	$60.04M
Capital Expenditure	-$2.56M	-$3.88M	-$11.69M	-$7.86M
Free Cash Flow	$78.94M	$59.05M	$54.92M	$52.18M
Depreciation & Amortisation	$4.90M	$7.33M	$6.40M	$6.78M
Stock-Based Compensation	$1.82M	$2.61M	$2.64M	$2.50M
Investing Cash Flow	-$205.51M	$77.94M	-$95.13M	-$78.85M
Financing Cash Flow	$86.77M	-$112.76M	$10.59M	$25.43M
Dividends Paid	-$22.00M	-$25.40M	-$25.39M	-$25.47M
Share Repurchases	$0.00	-$11.54M	$0.00	$0.00
Net Change in Cash	-$37.24M	$28.11M	-$17.92M	$6.62M

FMNB Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$47.04M	$47.74M	$49.12M	$56.26M	—
Selling, General & Admin	$15.18M	$16.46M	$15.85M	$20.66M	—
Pretax Income	$16.32M	$14.64M	$17.73M	$19.97M	—
Income Tax	$2.41M	$2.18M	$3.10M	$3.71M	—
Net Income	$13.91M	$12.46M	$14.64M	$16.26M	—
Diluted EPS	0.37	0.33	0.39	0.36	0.39
Diluted Shares	37.62M	37.76M	37.70M	45.18M	59.22M

FMNB Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$18.46M	$20.10M	$23.81M	$20.49M	$38.22M
Total Assets	$5.16B	$5.18B	$5.24B	$5.25B	$7.18B
Long-Term Debt	$86.28M	$86.43M	$86.58M	$86.73M	$94.11M
Total Debt	$188.28M	$289.43M	$321.58M	$367.73M	$435.11M
Total Liabilities	$4.73B	$4.74B	$4.77B	$4.76B	$6.41B
Retained Earnings	$264.36M	$271.87M	$277.93M	$286.20M	$296.03M
Shareholders' Equity	$429.13M	$437.75M	$465.95M	$485.73M	$766.89M
Net Debt	$169.81M	$269.33M	$297.77M	$347.25M	$396.89M

FMNB Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$15.67M	$14.02M	$10.71M	$19.64M	$7.57M
Capital Expenditure	-$3.50M	-$1.59M	-$1.68M	-$1.09M	-$507.00K
Free Cash Flow	$12.17M	$12.42M	$9.03M	$18.55M	$7.07M
Depreciation & Amortisation	$1.61M	$1.74M	$1.70M	$1.73M	$2.00M
Stock-Based Compensation	$642.00K	$645.00K	$645.00K	$563.00K	$662.00K
Investing Cash Flow	$7.42M	-$46.16M	-$38.65M	-$1.46M	$85.37M
Financing Cash Flow	$4.43M	$9.63M	$29.54M	-$18.17M	$779.00K
Dividends Paid	-$6.36M	-$6.37M	-$6.37M	-$6.37M	-$6.37M
Net Change in Cash	$27.52M	-$22.52M	$1.60M	$12.00K	$93.73M

Market Snapshot

About

Farmers National Banc Corp. is the holding company for The Farmers National Bank of Canfield, a community bank serving northeastern Ohio and western Pennsylvania. The bank provides commercial and retail banking services including business lending, agricultural finance, residential mortgages, deposit accounts, and wealth management to individuals, small businesses, and agricultural customers in its market areas. Farmers National operates through a network of branch locations emphasizing personalized service and local market knowledge. The company's lending activities focus on commercial real estate, business operating loans, agricultural credits, and consumer financing. Farmers National Banc Corp. is headquartered in Canfield, Ohio.