Farmers National Banc (FMNB) Stock Price, News & Analysis

Company Overview

Farmers National Banc Corporation (NASDAQ: FMNB), through its subsidiary Farmers National Bank, provides a range of banking and financial services to individuals and businesses across southeastern Ohio and neighboring regions. The company’s core offerings include commercial and agricultural lending, residential mortgage financing, consumer loans, and deposit products such as checking, savings, and money market accounts. In addition to traditional banking services, Farmers National Banc maintains a suite of treasury management tools, online and mobile banking platforms, and merchant services designed to support the day-to-day operations of its clients.

Founded in the late 19th century, Farmers National Bank has deep roots in rural communities, reflecting a longstanding commitment to local agricultural producers and small businesses. Over time, the bank has expanded its footprint through a combination of organic growth and strategic branch acquisitions, broadening its presence to serve both urban and rural markets while retaining a community-focused ethos. This approach has allowed Farmers National Banc to offer personalized financial solutions that align with the needs of its diverse client base.

Beyond deposit and lending products, Farmers National Banc offers wealth management services including trust administration, retirement planning, and investment advisory. The bank’s mortgage division provides home equity lines of credit, fixed- and adjustable-rate mortgages, and construction loans, aiming to support both residential and commercial real estate development in its service area. These complementary services help clients manage their personal finances and plan for long-term goals under one roof.

Under the leadership of President and Chief Executive Officer John B. Bubb III, Farmers National Banc continues to emphasize prudent risk management, community engagement, and technological innovation. The bank supports local economic growth by sponsoring community events and participating in public-private initiatives, while also investing in digital capabilities to enhance customer convenience and operational efficiency. This balanced focus on tradition and innovation positions Farmers National Banc to serve its customers’ evolving needs for years to come.

Key Stats

• Today's Range: $14.33 to $14.62
• 50-Day Range: $12.75 to $14.59
• 52-Week Range: $11.58 to $16.32
• Volume: 91,749 shs
• Average Volume: 91,066 shs
• Market Capitalization: $544.36 million
• P/E Ratio: 11.30
• Dividend Yield: 4.70%
• Price Target: $15.33
• Consensus Rating: Hold

Farmers National Banc Stock Analysis - MarketRank™

Farmers National Banc scored higher than 34% of companies evaluated by MarketBeat, and ranked 737th out of 903 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

Farmers National Banc has received a consensus rating of Hold. The company's average rating score is 2.33, and is based on 1 buy rating, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Farmers National Banc has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 6.90%

Earnings Growth

Earnings for Farmers National Banc are expected to grow by 6.90% in the coming year, from $1.45 to $1.55 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Farmers National Banc is 11.30, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.93.

Price to Earnings Ratio vs. Sector

The P/E ratio of Farmers National Banc is 11.30, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.99.

Price to Book Value per Share Ratio

Farmers National Banc has a P/B Ratio of 1.34. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.89% of the float of Farmers National Banc has been sold short.

Short Interest Ratio / Days to Cover

Farmers National Banc has a short interest ratio ("days to cover") of 3.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Farmers National Banc has recently increased by 10.79%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

Farmers National Banc is a leading dividend payer. It pays a dividend yield of 4.63%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Farmers National Banc does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Farmers National Banc is 53.13%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Farmers National Banc will have a dividend payout ratio of 43.87% next year. This indicates that Farmers National Banc will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.89% of the float of Farmers National Banc has been sold short.

Short Interest Ratio / Days to Cover

Farmers National Banc has a short interest ratio ("days to cover") of 3.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Farmers National Banc has recently increased by 10.79%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Farmers National Banc insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 3.90% of the stock of Farmers National Banc is held by insiders.

Percentage Held by Institutions

Only 38.72% of the stock of Farmers National Banc is held by institutions.

FMNB Stock Analysis - Frequently Asked Questions

How have FMNB shares performed this year?

Farmers National Banc's stock was trading at $14.22 at the beginning of 2025. Since then, FMNB stock has increased by 1.8% and is now trading at $14.47.

How were Farmers National Banc's earnings last quarter?

Farmers National Banc Corp. (NASDAQ:FMNB) released its earnings results on Wednesday, April, 16th. The bank reported $0.39 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $0.34 by $0.05. The bank earned $44.68 million during the quarter, compared to the consensus estimate of $45.10 million. Farmers National Banc had a net margin of 17.63% and a trailing twelve-month return on equity of 11.93%.

How do I buy shares of Farmers National Banc?

Shares of FMNB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Farmers National Banc own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Farmers National Banc investors own include Invesco QQQ (QQQ), SPDR S&P 500 ETF Trust (SPY), Tesla (TSLA), SPDR Dow Jones Industrial Average ETF Trust (DIA), NVIDIA (NVDA), Advanced Micro Devices (AMD) and Meta Platforms (META).

Company Calendar

• Last Earnings: 4/16/2025
• Record date for 6/30 Dividend: 6/13/2025
• Ex-Dividend for 6/30 Dividend: 6/13/2025
• Dividend Payable: 6/30/2025
• Today: 7/09/2025
• Next Earnings (Estimated): 7/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - MIDWEST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:FMNB
• CIK: 709337
• Web: www.farmersbankgroup.com
• Phone: (330) 533-3341
• Fax: 330-533-0451
• Employees: 550
• Year Founded: 1887

Price Target and Rating

• Average Price Target for Farmers National Banc: $15.33
• High Price Target: $16.00
• Low Price Target: $15.00
• Potential Upside/Downside: +6.2%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.28
• Trailing P/E Ratio: 11.29
• Forward P/E Ratio: 9.96
• P/E Growth: N/A
• Net Income: $45.95 million
• Net Margins: 17.63%
• Pretax Margin: 21.30%
• Return on Equity: 11.93%
• Return on Assets: 0.97%

Debt

• Debt-to-Equity Ratio: 0.20
• Current Ratio: 0.73
• Quick Ratio: 0.73

Sales & Book Value

• Annual Sales: $174.72 million
• Price / Sales: 3.11
• Cash Flow: $1.47 per share
• Price / Cash Flow: 9.80
• Book Value: $10.80 per share
• Price / Book: 1.34

Miscellaneous

• Outstanding Shares: 37,615,000
• Free Float: 36,148,000
• Market Cap: $543.16 million
• Optionable: Optionable
• Beta: 0.81