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Company Analysis

Farmers National Banc Corp. FMNB

A comprehensive view of key metrics, scores, and financial health for Farmers National Banc Corp.

Overview of Farmers National Banc Corp.

FMNB NCM
Financial Services Banks - Regional Small Cap
Farmers National Banc Corp. (FMNB), is a Small Cap company, in the Banks - Regional industry, last closed at $12.47, about 2.6% undervalued vs fair value, -5.2% 1Y return, placing in the top 25% of its sector.
$12.47
0.73%
As of March 13, 2026
Previous close • Vol 90d: 24.8%
52-Week Range
Market Cap
$735.94M
Enterprise Value
$1.10B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.farmersbankgroup.c...
HQ Canfield, OH
Fiscal year Dec 31

Next Events

Earnings Apr 15 Estimated

Fair Value Snapshot

Bear Base Bull
$7
$13
$24
Current: $12.47 +3% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$226.3M
7.1%%
Interest Expense
$91.3M
Net Interest Income
$126.9M
-6.5%%
Total Revenue
$271.8M
59.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.3%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$25.4M
55.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Farmers National Banc Corp.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
53
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
64
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FMNB's balance between Growth (28.6%), Profitability (35.4%), and Safety (36.0%). Growth 29% Safety 36% Profitability 35%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

48th percentile vs peers
48
Key Signals
Rev Growth YoY 59.8% 53p Revenue CAGR 3Y 19.3% 53p Asset Growth YoY 2.5% 37p
Strengths
  • Superior capital returns - 2 return metrics above peer median
Risks

No significant risks identified for this axis.

Profitability

59th percentile vs peers
60
Key Signals
Strengths
Risks
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Safety

60th percentile vs peers
61
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Farmers National Banc Corp..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$12.79
- - -
+2.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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