FARMERS NATIONAL BANC CORP /OH/ FMNB

Latest FY: 2025 Financial Services Banks - Regional
Market Price $15.89
Market Cap $940.93M
P/E Ratio 10.96
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑10.9% YoY
$188.57M
3-Yr CAGR: 88.5%
Net Income ↑18.8% YoY
$54.59M
Net Margin: 28.9%
Free Cash Flow ↓-5.0% YoY
$52.18M
FCF Yield: 5.55%
EPS (Diluted) ↑18.9% YoY
$1.45
Basic: $1.46
Return on Equity Efficiency
11.2%
ROA: 1.0%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (FMNB)

All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
  • FY 2017: Revenue YoY (+6.3%) is identical to Gross Profit YoY (+6.3%). Verify the underlying Revenue and Gross Profit values for FY 2017 and FY 2016.
  • FY 2018: Revenue YoY (+7.2%) is identical to Gross Profit YoY (+7.2%). Verify the underlying Revenue and Gross Profit values for FY 2018 and FY 2017.
  • FY 2019: Revenue YoY (+5.9%) is identical to Gross Profit YoY (+5.9%). Verify the underlying Revenue and Gross Profit values for FY 2019 and FY 2018.
  • FY 2020: Revenue YoY (+0.4%) is identical to Gross Profit YoY (+0.4%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
  • FY 2021: Revenue YoY (+18.6%) is identical to Gross Profit YoY (+18.6%). Verify the underlying Revenue and Gross Profit values for FY 2021 and FY 2020.
  • FY 2022: Revenue YoY (+10.8%) is identical to Gross Profit YoY (+10.8%). Verify the underlying Revenue and Gross Profit values for FY 2022 and FY 2021.
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $17.7M $17.7M $20.6M $0.76 $0.16 1.12% $24.3M $23.5M
FY 2017 $18.8M +6.3% $18.8M $22.7M +10.5% $0.82 +7.9% $0.22 1.48% $30.6M $29.6M +26.0%
FY 2018 $20.1M +7.2% $20.1M $32.6M +43.4% $1.16 +41.5% $0.30 2.33% $40.0M $39.5M +33.5%
FY 2019 $21.3M +5.9% $21.3M $35.8M +9.8% $1.28 +10.3% $0.38 2.32% $38.8M $37.3M -5.7%
FY 2020 $21.4M +0.4% $21.4M $41.9M +17.1% $1.47 +14.8% $0.45 3.36% $50.0M $46.3M +24.2%
FY 2021 $25.4M +18.6% $25.4M $51.8M +23.8% $1.77 +20.4% $0.48 2.59% $54.9M $53.6M +15.6%
FY 2022 $28.1M +10.8% $28.1M $60.6M +16.9% $1.79 +1.1% $0.65 4.59% $83.7M $78.2M +46.0%
FY 2023 $179.6M +538.4% $67.9M $49.9M -17.6% $1.33 -25.7% $0.68 4.69% $62.3M $58.4M -25.3%
FY 2024 $170.1M -5.3% $63.4M $45.9M -8.0% $1.22 -8.3% $0.68 4.76% $66.6M $54.9M -6.0%
FY 2025 $188.6M +10.9% $72.1M $54.6M +18.8% $1.45 +18.9% $0.68 5.08% $60.0M $52.2M -5.0%
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Valuation

Market Price $15.89
Market Cap $940.93M
Enterprise Value N/A
P/E Ratio 10.96
P/B Ratio 1.94
FCF Yield 5.55%
Dividend Yield 4.26%
Shares Outstanding 59,215,000
%

Profitability & Margins

Gross Margin 38.24%
Operating Margin 34.49%
Net Margin 28.95%
Return on Equity (ROE) 11.24%
Return on Assets (ROA) 1.04%
Asset Turnover 0.04x
Revenue 3-Yr CAGR 88.53%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.179
Debt / Assets 0.017
Cash & Equivalents N/A
Total Debt $86.73M
Book Value / Share $8.20
💧

Cash Flow Efficiency

Operating Cash Flow $60.04M
Capital Expenditures (CapEx) $7.86M
Free Cash Flow $52.18M
OCF / Revenue 31.84%
FCF / Revenue 27.67%
FCF 3-Yr CAGR -12.61%
🏷️

Per Share Metrics

EPS (Diluted) $1.45
EPS (Basic) $1.46
Dividends / Share $0.68
Book Value / Share $8.20
EPS YoY Growth 18.85%
🏛️

Balance Sheet (FY 2025)

Total Assets $5.25B
Total Liabilities $4.76B
Stockholders' Equity $485.73M
Current Assets N/A
Current Liabilities N/A