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Farmers National Banc (FMNB) Financials

Farmers National Banc logo
$13.11 -0.04 (-0.30%)
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Annual Income Statements for Farmers National Banc

Annual Income Statements for Farmers National Banc

This table shows Farmers National Banc's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 46 50 61
Consolidated Net Income / (Loss)		 46 50 61
Net Income / (Loss) Continuing Operations		 46 50 61
Total Pre-Tax Income 		55 59 73
Total Revenue		 170 180 168
Net Interest Income / (Expense)		 128 138 124
Total Interest Income		 228 213 142
Loans and Leases Interest Income		 186 172 108
Investment Securities Interest Income		 38 39 34
Federal Funds Sold and Securities Borrowed Interest Income		 3.73 2.48 0.68
Total Interest Expense		 99 76 18
Deposits Interest Expense		 81 63 13
Short-Term Borrowings Interest Expense		 14 8.36 1.41
Long-Term Debt Interest Expense		 4.09 4.09 3.43
Total Non-Interest Income		 42 42 44
Other Service Charges		 5.18 5.18 4.27
Net Realized & Unrealized Capital Gains on Investments		 1.50 1.92 1.61
Other Non-Interest Income		 35 35 38
Provision for Credit Losses		 7.97 9.15 1.12
Total Non-Interest Expense		 107 112 94
Salaries and Employee Benefits		 59 57 45
Net Occupancy & Equipment Expense		 16 15 11
Marketing Expense		 1.50 1.79 1.95
Property & Liability Insurance Claims		 5.03 5.85 3.95
Other Operating Expenses		 23 22 26
Amortization Expense		 2.86 3.43 1.97
Restructuring Charge		 0.09 5.48 4.07
Income Tax Expense		 9.48 8.77 12
Basic Earnings per Share		 $1.23 $1.34 $1.79
Weighted Average Basic Shares Outstanding		 37.61M 37.55M 37.94M
Diluted Earnings per Share		 $1.22 $1.33 $1.79
Weighted Average Diluted Shares Outstanding		 37.61M 37.55M 37.94M
Weighted Average Basic & Diluted Shares Outstanding		 37.61M 37.55M 37.94M

Quarterly Income Statements for Farmers National Banc

This table shows Farmers National Banc's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 14 8.54 12 11 15 13 15 7.08 13 15
Consolidated Net Income / (Loss)		 14 8.54 12 11 15 13 15 7.08 13 15
Net Income / (Loss) Continuing Operations		 14 8.54 12 11 15 13 15 7.08 13 15
Total Pre-Tax Income 		18 10 14 13 18 16 18 7.71 16 19
Total Revenue		 44 44 42 40 45 44 44 47 38 41
Net Interest Income / (Expense)		 33 32 32 32 33 34 35 37 29 32
Total Interest Income		 58 58 57 55 55 54 53 51 38 36
Loans and Leases Interest Income		 47 47 47 45 45 44 42 41 29 27
Investment Securities Interest Income		 9.73 9.56 9.59 9.41 9.72 9.64 9.92 9.77 8.76 8.71
Federal Funds Sold and Securities Borrowed Interest Income		 0.99 1.37 0.74 0.63 0.57 0.75 0.55 0.61 0.34 0.21
Total Interest Expense		 25 26 25 23 22 20 18 15 8.68 4.63
Deposits Interest Expense		 21 22 20 18 18 17 14 13 6.98 3.21
Short-Term Borrowings Interest Expense		 3.11 3.48 3.58 3.94 2.75 1.96 2.73 0.92 0.78 0.53
Long-Term Debt Interest Expense		 0.99 1.02 1.04 1.04 1.04 1.04 1.01 1.00 0.92 0.89
Total Non-Interest Income		 11 12 9.61 8.36 12 9.83 9.45 10 8.20 8.83
Other Service Charges		 -7.17 2.45 8.66 1.24 1.72 1.28 0.70 1.48 -6.21 1.16
Net Realized & Unrealized Capital Gains on Investments		 2.53 0.51 0.29 -1.82 0.68 0.40 0.42 0.43 -0.12 0.31
Other Non-Interest Income		 16 9.38 0.65 8.94 9.76 8.16 8.33 8.51 15 7.36
Provision for Credit Losses		 0.30 7.01 1.11 -0.45 0.29 0.24 0.03 8.60 0.42 0.45
Total Non-Interest Expense		 26 27 26 27 27 28 26 31 21 21
Salaries and Employee Benefits		 14 15 15 15 15 14 14 15 11 11
Net Occupancy & Equipment Expense		 4.08 3.97 3.82 3.73 3.90 3.81 3.86 3.87 2.75 3.03
Marketing Expense		 0.19 0.44 0.45 0.43 0.41 0.49 0.48 0.41 0.47 0.60
Property & Liability Insurance Claims		 1.02 1.48 1.19 1.35 1.48 1.65 1.49 1.22 1.01 1.02
Other Operating Expenses		 5.46 5.69 5.77 5.78 5.28 6.54 5.27 5.36 4.19 4.73
Amortization Expense		 0.91 0.63 0.63 0.69 0.58 0.73 1.22 0.91 0.70 0.43
Restructuring Charge		 0.09 0.00 0.00 0.00 0.45 0.27 0.44 4.31 0.58 0.87
Income Tax Expense		 3.29 1.60 2.37 2.21 3.15 2.33 2.65 0.64 2.77 3.32
Basic Earnings per Share		 $0.38 $0.23 $0.32 $0.30 $0.39 $0.36 $0.40 $0.19 $0.39 $0.46
Weighted Average Basic Shares Outstanding		 37.61M 37.59M 37.58M 37.55M 37.55M 37.49M 37.49M 37.46M 37.94M 34.06M
Diluted Earnings per Share		 $0.38 $0.23 $0.31 $0.30 $0.38 $0.36 $0.40 $0.19 $0.39 $0.46
Weighted Average Diluted Shares Outstanding		 37.61M 37.59M 37.58M 37.55M 37.55M 37.49M 37.49M 37.46M 37.94M 34.06M
Weighted Average Basic & Diluted Shares Outstanding		 37.61M 37.59M 37.58M 37.55M 37.55M 37.49M 37.49M 37.46M 37.94M 34.06M

Annual Cash Flow Statements for Farmers National Banc

This table details how cash moves in and out of Farmers National Banc's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 -18 28 -37
Net Cash From Operating Activities		 67 63 82
Net Cash From Continuing Operating Activities		 67 63 82
Net Income / (Loss) Continuing Operations		 46 50 61
Consolidated Net Income / (Loss)		 46 50 61
Provision For Loan Losses		 7.97 9.15 1.12
Depreciation Expense		 6.40 7.33 4.90
Amortization Expense		 0.55 0.93 4.82
Non-Cash Adjustments to Reconcile Net Income		 1.38 -1.17 2.19
Changes in Operating Assets and Liabilities, net		 4.37 -3.24 7.88
Net Cash From Investing Activities		 -95 78 -206
Net Cash From Continuing Investing Activities		 -95 78 -206
Purchase of Property, Leasehold Improvements and Equipment		 -12 -3.88 -2.56
Purchase of Investment Securities		 -208 -108 -326
Sale of Property, Leasehold Improvements and Equipment		 1.59 6.79 0.00
Sale and/or Maturity of Investments		 123 183 124
Net Cash From Financing Activities		 11 -113 87
Net Cash From Continuing Financing Activities		 11 -113 87
Net Change in Deposits		 89 -260 15
Issuance of Debt		 -50 185 95
Repayment of Debt		 -2.54 0.00 0.00
Repurchase of Common Equity		 0.00 -12 0.00
Payment of Dividends		 -25 -25 -22
Other Financing Activities, Net		 -0.88 -0.62 -0.76
Cash Interest Paid		 101 79 16
Cash Income Taxes Paid		 0.00 0.00 0.00

Quarterly Cash Flow Statements for Farmers National Banc

This table details how cash moves in and out of Farmers National Banc's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -103 8.15 32 45 9.74 -22 -12 52 -4.43 15
Net Cash From Operating Activities		 13 24 16 13 14 18 17 14 22 19
Net Cash From Continuing Operating Activities		 13 24 16 13 14 18 17 14 22 19
Net Income / (Loss) Continuing Operations		 14 8.54 12 11 15 13 15 7.08 13 15
Consolidated Net Income / (Loss)		 14 8.54 12 11 15 13 15 7.08 13 15
Provision For Loan Losses		 0.30 7.01 1.11 -0.45 0.29 0.24 0.03 8.60 0.42 0.45
Depreciation Expense		 1.80 1.50 1.49 1.61 1.55 1.68 2.20 1.90 1.42 1.13
Amortization Expense		 0.10 0.12 0.09 0.24 0.24 0.24 0.18 0.27 0.97 1.14
Non-Cash Adjustments to Reconcile Net Income		 -0.39 0.06 -0.63 2.34 -0.94 -1.82 0.89 0.71 -0.28 0.65
Changes in Operating Assets and Liabilities, net		 -2.95 6.51 2.63 -1.82 -1.23 4.37 -1.70 -4.68 6.44 0.13
Net Cash From Investing Activities		 -34 -42 -46 27 -19 25 7.24 64 45 -46
Net Cash From Continuing Investing Activities		 -34 -42 -46 27 -19 25 7.24 64 45 -46
Purchase of Property, Leasehold Improvements and Equipment		 -4.45 -3.47 -2.23 -1.55 -1.90 -1.20 -0.61 -0.17 -0.75 0.06
Purchase of Investment Securities		 -50 -64 -62 -32 -49 -17 -11 -31 -6.76 -67
Sale and/or Maturity of Investments		 20 24 19 60 26 43 19 96 53 22
Net Cash From Financing Activities		 -82 26 62 4.40 14 -65 -36 -25 -72 41
Net Cash From Continuing Financing Activities		 -82 26 62 4.40 14 -65 -36 -25 -72 41
Net Change in Deposits		 -95 156 7.71 21 -334 241 -125 -41 -5.38 -58
Issuance of Debt		 20 -121 61 -10 355 -300 96 34 -60 105
Payment of Dividends		 -6.35 -6.35 -6.35 -6.34 -6.33 -6.33 -6.33 -6.40 -5.76 -5.42
Cash Interest Paid		 16 30 28 27 21 23 18 16 7.66 4.00

Annual Balance Sheets for Farmers National Banc

This table presents Farmers National Banc's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 5,119 5,078 4,082
Cash and Due from Banks		 86 104 76
Trading Account Securities		 1,272 1,303 1,269
Loans and Leases, Net of Allowance		 -36 -34 2,378
Allowance for Loan and Lease Losses		 36 34 27
Premises and Equipment, Net		 52 44 31
Goodwill		 167 167 95
Intangible Assets		 21 23 7.03
Other Assets		 3,512 3,471 228
Total Liabilities & Shareholders' Equity		 5,119 5,078 4,082
Total Liabilities		 4,713 4,674 3,790
Non-Interest Bearing Deposits		 966 1,027 897
Interest Bearing Deposits		 3,301 3,151 2,665
Short-Term Debt		 305 355 95
Long-Term Debt		 86 89 88
Other Long-Term Liabilities		 55 53 45
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 406 404 292
Total Preferred & Common Equity		 406 404 292
Total Common Equity		 406 404 292
Common Stock		 366 365 305
Retained Earnings		 257 237 212
Treasury Stock		 -24 -25 -15
Accumulated Other Comprehensive Income / (Loss)		 -193 -173 -210

Quarterly Balance Sheets for Farmers National Banc

This table presents Farmers National Banc's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 5,237 5,157 5,080 4,971 5,073 5,110 4,120
Cash and Due from Banks		 189 181 149 94 116 128 80
Trading Account Securities		 1,296 1,249 1,272 1,213 1,319 1,357 1,297
Loans and Leases, Net of Allowance		 -36 -34 3,148 3,134 3,120 3,116 2,373
Allowance for Loan and Lease Losses		 36 34 33 35 35 36 27
Premises and Equipment, Net		 48 45 45 45 54 54 39
Goodwill		 167 167 167 168 168 168 95
Intangible Assets		 21 22 22 23 24 25 7.73
Other Assets		 3,551 3,526 242 295 227 261 194
Total Liabilities & Shareholders' Equity		 5,237 5,157 5,080 4,971 5,073 5,110 4,120
Total Liabilities		 4,797 4,760 4,683 4,655 4,706 4,735 3,854
Non-Interest Bearing Deposits		 970 969 977 1,040 1,084 1,107 935
Interest Bearing Deposits		 3,392 3,237 3,221 3,472 3,187 3,289 2,633
Short-Term Debt		 285 406 345 0.00 300 204 155
Long-Term Debt		 86 89 89 89 88 88 88
Other Long-Term Liabilities		 64 59 51 55 47 47 44
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 440 397 397 316 367 375 266
Total Preferred & Common Equity		 440 397 397 316 367 375 266
Total Common Equity		 440 397 397 316 367 375 266
Common Stock		 366 365 365 365 365 364 305
Retained Earnings		 249 247 242 229 222 213 205
Treasury Stock		 -24 -24 -24 -25 -26 -26 -15
Accumulated Other Comprehensive Income / (Loss)		 -151 -191 -185 -252 -194 -177 -229

Annual Metrics And Ratios for Farmers National Banc

This table displays calculated financial ratios and metrics derived from Farmers National Banc's official financial filings.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 -5.32% 6.70% 15.18%
EBITDA Growth		 -6.82% -18.90% 19.28%
EBIT Growth		 -5.57% -19.41% 17.26%
NOPAT Growth		 -7.98% -17.60% 16.88%
Net Income Growth		 -7.98% -17.60% 16.88%
EPS Growth		 -8.27% -25.70% 1.13%
Operating Cash Flow Growth		 5.86% -22.79% 48.36%
Free Cash Flow Firm Growth		 130.02% -322.08% 283.11%
Invested Capital Growth		 -6.00% 78.35% -15.12%
Revenue Q/Q Growth		 -0.49% 4.27% -0.94%
EBITDA Q/Q Growth		 0.11% 1.51% 13.70%
EBIT Q/Q Growth		 -0.08% 2.81% 15.84%
NOPAT Q/Q Growth		 -0.40% 2.51% 14.46%
Net Income Q/Q Growth		 -0.40% 2.51% 14.46%
EPS Q/Q Growth		 0.00% -0.75% 15.48%
Operating Cash Flow Q/Q Growth		 -0.91% -10.12% 9.91%
Free Cash Flow Firm Q/Q Growth		 126.90% -311.02% 607.96%
Invested Capital Q/Q Growth		 -1.67% 109.64% -6.53%
Profitability Metrics		 - - -
EBITDA Margin		 36.68% 37.27% 49.03%
EBIT Margin		 32.59% 32.67% 43.26%
Profit (Net Income) Margin		 27.02% 27.79% 35.99%
Tax Burden Percent		 82.90% 85.07% 83.20%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 17.10% 14.93% 16.80%
Return on Invested Capital (ROIC)		 5.59% 7.55% 11.70%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.59% 7.55% 11.70%
Return on Net Nonoperating Assets (RNNOA)		 5.75% 6.79% 4.15%
Return on Equity (ROE)		 11.34% 14.33% 15.85%
Cash Return on Invested Capital (CROIC)		 11.77% -48.75% 28.05%
Operating Return on Assets (OROA)		 1.09% 1.28% 1.77%
Return on Assets (ROA)		 0.90% 1.09% 1.47%
Return on Common Equity (ROCE)		 11.34% 14.33% 15.85%
Return on Equity Simple (ROE_SIMPLE)		 11.32% 12.35% 20.73%
Net Operating Profit after Tax (NOPAT)		 46 50 61
NOPAT Margin		 27.02% 27.79% 35.99%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 44.69% 41.53% 34.65%
Operating Expenses to Revenue		 62.73% 62.23% 56.07%
Earnings before Interest and Taxes (EBIT)		 55 59 73
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 62 67 83
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.32 1.28 1.49
Price to Tangible Book Value (P/TBV)		 2.45 2.41 2.28
Price to Revenue (P/Rev)		 3.14 2.87 2.58
Price to Earnings (P/E)		 11.63 10.33 7.17
Dividend Yield		 4.78% 4.94% 5.10%
Earnings Yield		 8.60% 9.68% 13.95%
Enterprise Value to Invested Capital (EV/IC)		 1.05 1.01 1.14
Enterprise Value to Revenue (EV/Rev)		 4.94 4.76 3.22
Enterprise Value to EBITDA (EV/EBITDA)		 13.46 12.78 6.57
Enterprise Value to EBIT (EV/EBIT)		 15.15 14.58 7.44
Enterprise Value to NOPAT (EV/NOPAT)		 18.28 17.14 8.95
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.61 13.60 6.65
Enterprise Value to Free Cash Flow (EV/FCFF)		 8.67 0.00 3.73
Leverage & Solvency		 - - -
Debt to Equity		 0.96 1.10 0.63
Long-Term Debt to Equity		 0.21 0.22 0.30
Financial Leverage		 1.03 0.90 0.35
Leverage Ratio		 12.58 13.15 10.76
Compound Leverage Factor		 12.58 13.15 10.76
Debt to Total Capital		 49.07% 52.31% 38.53%
Short-Term Debt to Total Capital		 38.26% 41.86% 19.98%
Long-Term Debt to Total Capital		 10.81% 10.45% 18.55%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 50.93% 47.69% 61.47%
Debt to EBITDA		 6.27 6.63 2.22
Net Debt to EBITDA		 4.90 5.08 1.30
Long-Term Debt to EBITDA		 1.38 1.32 1.07
Debt to NOPAT		 8.51 8.89 3.02
Net Debt to NOPAT		 6.65 6.81 1.78
Long-Term Debt to NOPAT		 1.87 1.78 1.46
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 97 -323 145
Operating Cash Flow to CapEx		 659.69% 0.00% 3,184.88%
Free Cash Flow to Firm to Interest Expense		 0.97 -4.27 8.11
Operating Cash Flow to Interest Expense		 0.67 0.83 4.55
Operating Cash Flow Less CapEx to Interest Expense		 0.57 0.87 4.41
Efficiency Ratios		 - - -
Asset Turnover		 0.03 0.04 0.04
Fixed Asset Turnover		 3.52 4.78 4.93
Capital & Investment Metrics		 - - -
Invested Capital		 797 848 476
Invested Capital Turnover		 0.21 0.27 0.33
Increase / (Decrease) in Invested Capital		 -51 373 -85
Enterprise Value (EV)		 840 856 542
Market Capitalization		 534 516 434
Book Value per Share		 $10.80 $10.79 $8.58
Tangible Book Value per Share		 $5.80 $5.71 $5.60
Total Capital		 797 848 476
Total Debt		 391 444 183
Total Long-Term Debt		 86 89 88
Net Debt		 305 340 108
Capital Expenditures (CapEx)		 10 -2.91 2.56
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 391 444 183
Total Depreciation and Amortization (D&A)		 6.96 8.25 9.72
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $1.23 $1.34 $1.79
Adjusted Weighted Average Basic Shares Outstanding		 37.61M 37.55M 37.94M
Adjusted Diluted Earnings per Share		 $1.22 $1.33 $1.79
Adjusted Weighted Average Diluted Shares Outstanding		 37.61M 37.55M 37.94M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 37.61M 37.55M 37.94M
Normalized Net Operating Profit after Tax (NOPAT)		 46 55 64
Normalized NOPAT Margin		 27.06% 30.39% 38.00%
Pre Tax Income Margin		 32.59% 32.67% 43.26%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 0.56 0.78 4.06
NOPAT to Interest Expense		 0.46 0.66 3.38
EBIT Less CapEx to Interest Expense		 0.46 0.82 3.92
NOPAT Less CapEx to Interest Expense		 0.36 0.70 3.24
Payout Ratios		 - - -
Dividend Payout Ratio		 55.25% 50.86% 36.31%
Augmented Payout Ratio		 55.25% 73.98% 36.31%

Quarterly Metrics And Ratios for Farmers National Banc

This table displays calculated financial ratios and metrics derived from Farmers National Banc's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -1.85% 1.42% -5.35% -14.86% 19.54% 7.37% 6.89% -3.89% -4.09% 14.23%
EBITDA Growth		 0.36% -33.04% -21.31% 54.91% 5.37% -16.52% -7.49% -53.79% 116.03% -0.29%
EBIT Growth		 -0.25% -35.21% -19.64% 74.41% 9.97% -16.64% -7.82% -59.06% 161.70% -3.14%
NOPAT Growth		 -1.28% -35.89% -21.27% 58.87% 9.14% -13.80% -6.18% -55.35% 134.23% -3.53%
Net Income Growth		 -1.28% -35.89% -21.27% 58.87% 9.14% -13.80% -6.18% -55.35% 134.23% -3.53%
EPS Growth		 0.00% -36.11% -22.50% 57.89% -2.56% -21.74% -14.89% -59.57% 160.00% -17.86%
Operating Cash Flow Growth		 -8.54% 31.71% -0.53% -5.08% -35.15% -4.89% -38.72% 5.06% 49.07% 14.74%
Free Cash Flow Firm Growth		 118.24% -438.43% 55.74% 14.34% -465.15% 277.76% -15,764.88% -358.21% 178.13% -729.74%
Invested Capital Growth		 -6.00% 100.41% 18.02% 24.56% 78.35% -20.48% 64.43% 38.44% -15.12% 19.09%
Revenue Q/Q Growth		 -0.14% 6.10% 4.07% -10.99% 3.18% -0.97% -6.40% 24.99% -7.33% -1.41%
EBITDA Q/Q Growth		 66.55% -25.30% 2.84% -21.56% 11.12% -12.21% 102.44% -46.64% -11.97% -2.72%
EBIT Q/Q Growth		 74.51% -28.42% 5.23% -24.11% 13.35% -11.22% 128.36% -52.15% -14.07% -1.83%
NOPAT Q/Q Growth		 68.61% -27.57% 4.83% -22.89% 9.49% -11.04% 111.53% -47.03% -13.53% -3.17%
Net Income Q/Q Growth		 68.61% -27.57% 4.83% -22.89% 9.49% -11.04% 111.53% -47.03% -13.53% -3.17%
EPS Q/Q Growth		 65.22% -25.81% 3.33% -21.05% 5.56% -10.00% 110.53% -51.28% -15.22% -2.13%
Operating Cash Flow Q/Q Growth		 -44.20% 44.01% 25.19% -5.00% -19.64% 8.76% 19.46% -35.69% 17.84% -29.93%
Free Cash Flow Firm Q/Q Growth		 116.42% -219.72% 18.50% 57.37% -404.68% 141.81% -57.76% -281.69% 248.33% -3,784.39%
Invested Capital Q/Q Growth		 -1.67% -9.07% 7.32% -2.04% 109.64% -46.45% 13.26% 40.26% -6.53% 10.73%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 44.35% 26.59% 37.77% 38.22% 43.37% 40.27% 45.43% 21.01% 49.20% 51.80%
EBIT Margin		 40.05% 22.92% 33.97% 33.60% 39.41% 35.87% 40.01% 16.40% 42.84% 46.20%
Profit (Net Income) Margin		 32.59% 19.30% 28.28% 28.07% 32.40% 30.54% 33.99% 15.04% 35.49% 38.04%
Tax Burden Percent		 81.38% 84.23% 83.23% 83.54% 82.23% 85.13% 84.96% 91.72% 82.85% 82.33%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 18.62% 15.77% 16.77% 16.46% 17.77% 14.87% 15.04% 8.28% 17.15% 17.67%
Return on Invested Capital (ROIC)		 6.74% 5.43% 5.85% 6.47% 8.80% 11.52% 9.47% 4.36% 11.54% 13.82%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.74% 5.43% 5.85% 6.47% 8.80% 11.52% 9.47% 4.36% 11.54% 13.82%
Return on Net Nonoperating Assets (RNNOA)		 6.94% 3.30% 6.76% 6.09% 7.91% 6.57% 7.24% 2.16% 4.09% 6.29%
Return on Equity (ROE)		 13.68% 8.73% 12.61% 12.56% 16.71% 18.09% 16.72% 6.52% 15.63% 20.11%
Cash Return on Invested Capital (CROIC)		 11.77% -59.26% -10.35% -14.65% -48.75% 33.48% -40.36% -23.22% 28.05% -6.11%
Operating Return on Assets (OROA)		 1.34% 0.77% 1.13% 1.14% 1.55% 1.36% 1.47% 0.59% 1.75% 2.11%
Return on Assets (ROA)		 1.09% 0.65% 0.94% 0.95% 1.27% 1.16% 1.25% 0.54% 1.45% 1.74%
Return on Common Equity (ROCE)		 13.68% 8.73% 12.61% 12.56% 16.71% 18.09% 16.72% 6.52% 15.63% 20.11%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 10.49% 12.83% 13.63% 0.00% 15.42% 13.85% 13.83% 0.00% 19.93%
Net Operating Profit after Tax (NOPAT)		 14 8.54 12 11 15 13 15 7.08 13 15
NOPAT Margin		 32.59% 19.30% 28.28% 28.07% 32.40% 30.54% 33.99% 15.04% 35.49% 38.04%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 42.33% 43.60% 45.16% 48.02% 42.64% 42.51% 40.80% 40.23% 38.82% 35.33%
Operating Expenses to Revenue		 59.28% 61.23% 63.36% 67.52% 59.96% 63.57% 59.93% 65.32% 56.06% 52.70%
Earnings before Interest and Taxes (EBIT)		 18 10 14 13 18 16 18 7.71 16 19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 20 12 16 15 20 18 20 9.88 19 21
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.32 1.29 1.18 1.25 1.28 1.30 1.20 1.20 1.49 1.53
Price to Tangible Book Value (P/TBV)		 2.45 2.26 2.26 2.38 2.41 3.30 2.51 2.47 2.28 2.50
Price to Revenue (P/Rev)		 3.14 3.32 2.75 2.86 2.87 2.39 2.59 2.70 2.58 2.40
Price to Earnings (P/E)		 11.63 12.32 9.21 9.14 10.33 8.45 8.64 8.66 7.17 7.69
Dividend Yield		 4.78% 4.50% 5.44% 5.16% 4.94% 6.19% 5.71% 5.58% 5.10% 5.18%
Earnings Yield		 8.60% 8.12% 10.86% 10.94% 9.68% 11.83% 11.58% 11.55% 13.95% 13.00%
Enterprise Value to Invested Capital (EV/IC)		 1.05 0.93 0.88 0.94 1.01 1.00 0.94 0.92 1.14 1.12
Enterprise Value to Revenue (EV/Rev)		 4.94 4.39 4.60 4.52 4.76 2.36 4.20 3.68 3.22 3.36
Enterprise Value to EBITDA (EV/EBITDA)		 13.46 12.04 11.49 10.77 12.78 6.16 10.25 8.63 6.57 7.86
Enterprise Value to EBIT (EV/EBIT)		 15.15 13.52 12.84 12.10 14.58 7.12 11.82 9.93 7.44 9.07
Enterprise Value to NOPAT (EV/NOPAT)		 18.28 16.26 15.38 14.41 17.14 8.34 14.00 11.83 8.95 10.78
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.61 11.16 12.73 12.66 13.60 5.81 10.03 7.53 6.65 7.69
Enterprise Value to Free Cash Flow (EV/FCFF)		 8.67 0.00 0.00 0.00 0.00 2.66 0.00 0.00 3.73 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.96 0.84 1.25 1.09 1.10 0.28 1.06 0.78 0.63 0.92
Long-Term Debt to Equity		 0.21 0.20 0.22 0.22 0.22 0.28 0.24 0.24 0.30 0.33
Financial Leverage		 1.03 0.61 1.16 0.94 0.90 0.57 0.76 0.49 0.35 0.46
Leverage Ratio		 12.58 13.51 13.40 13.21 13.15 15.63 13.35 12.12 10.76 11.56
Compound Leverage Factor		 12.58 13.51 13.40 13.21 13.15 15.63 13.35 12.12 10.76 11.56
Debt to Total Capital		 49.07% 45.77% 55.51% 52.21% 52.31% 21.89% 51.42% 43.83% 38.53% 47.79%
Short-Term Debt to Total Capital		 38.26% 35.15% 45.54% 41.53% 41.86% 0.00% 39.71% 30.59% 19.98% 30.47%
Long-Term Debt to Total Capital		 10.81% 10.61% 9.97% 10.69% 10.45% 21.89% 11.71% 13.24% 18.55% 17.32%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 50.93% 54.23% 44.49% 47.79% 47.69% 78.11% 48.58% 56.17% 61.47% 52.21%
Debt to EBITDA		 6.27 5.95 7.27 5.99 6.63 1.34 5.59 4.11 2.22 3.35
Net Debt to EBITDA		 4.90 2.92 4.61 3.94 5.08 -0.08 3.92 2.31 1.30 2.25
Long-Term Debt to EBITDA		 1.38 1.38 1.31 1.23 1.32 1.34 1.27 1.24 1.07 1.21
Debt to NOPAT		 8.51 8.04 9.72 8.02 8.89 1.82 7.64 5.64 3.02 4.59
Net Debt to NOPAT		 6.65 3.94 6.17 5.27 6.81 -0.11 5.36 3.17 1.78 3.08
Long-Term Debt to NOPAT		 1.87 1.86 1.75 1.64 1.78 1.82 1.74 1.70 1.46 1.66
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 65 -398 -124 -153 -358 117 -281 -178 98 -66
Operating Cash Flow to CapEx		 297.77% 684.48% 740.63% 0.00% 0.00% 1,503.92% 2,724.67% 8,109.36% 2,984.49% 0.00%
Free Cash Flow to Firm to Interest Expense		 2.59 -15.27 -5.02 -6.53 -16.10 5.74 -15.42 -12.18 11.30 -14.28
Operating Cash Flow to Interest Expense		 0.53 0.91 0.67 0.56 0.65 0.88 0.91 0.95 2.57 4.09
Operating Cash Flow Less CapEx to Interest Expense		 0.35 0.78 0.58 0.57 0.87 0.82 0.88 0.94 2.49 4.11
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.04 0.04 0.04 0.04 0.04 0.05
Fixed Asset Turnover		 3.52 3.68 3.44 3.47 4.78 4.09 3.73 3.64 4.93 5.30
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 797 811 892 831 848 405 755 667 476 509
Invested Capital Turnover		 0.21 0.28 0.21 0.23 0.27 0.38 0.28 0.29 0.33 0.36
Increase / (Decrease) in Invested Capital		 -51 406 136 164 373 -104 296 185 -85 82
Enterprise Value (EV)		 840 750 783 780 856 406 712 613 542 570
Market Capitalization		 534 568 469 495 516 412 439 449 434 407
Book Value per Share		 $10.80 $11.70 $10.56 $10.57 $10.79 $8.43 $9.80 $9.87 $8.58 $7.80
Tangible Book Value per Share		 $5.80 $6.69 $5.53 $5.52 $5.71 $3.33 $4.67 $4.78 $5.60 $4.79
Total Capital		 797 811 892 831 848 405 755 667 476 509
Total Debt		 391 371 495 434 444 89 388 292 183 243
Total Long-Term Debt		 86 86 89 89 89 89 88 88 88 88
Net Debt		 305 182 314 285 340 -5.37 272 164 108 163
Capital Expenditures (CapEx)		 4.45 3.47 2.23 -0.04 -4.88 1.20 0.61 0.17 0.75 -0.06
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 391 371 495 434 444 89 388 292 183 243
Total Depreciation and Amortization (D&A)		 1.90 1.62 1.58 1.85 1.78 1.92 2.39 2.17 2.40 2.27
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.38 $0.23 $0.32 $0.30 $0.39 $0.36 $0.40 $0.19 $0.39 $0.46
Adjusted Weighted Average Basic Shares Outstanding		 37.61M 37.59M 37.58M 37.55M 37.55M 37.49M 37.49M 37.46M 37.94M 34.06M
Adjusted Diluted Earnings per Share		 $0.38 $0.23 $0.31 $0.30 $0.38 $0.36 $0.40 $0.19 $0.39 $0.46
Adjusted Weighted Average Diluted Shares Outstanding		 37.61M 37.59M 37.58M 37.55M 37.55M 37.49M 37.49M 37.46M 37.94M 34.06M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 37.61M 37.59M 37.58M 37.55M 37.55M 37.49M 37.49M 37.46M 37.94M 34.06M
Normalized Net Operating Profit after Tax (NOPAT)		 14 8.54 12 11 15 14 15 11 14 16
Normalized NOPAT Margin		 32.76% 19.30% 28.28% 28.07% 33.23% 31.06% 34.85% 23.45% 36.78% 39.80%
Pre Tax Income Margin		 40.05% 22.92% 33.97% 33.60% 39.41% 35.87% 40.01% 16.40% 42.84% 46.20%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.70 0.39 0.57 0.58 0.80 0.76 0.97 0.53 1.86 4.05
NOPAT to Interest Expense		 0.57 0.33 0.48 0.48 0.66 0.65 0.82 0.48 1.54 3.34
EBIT Less CapEx to Interest Expense		 0.53 0.26 0.48 0.58 1.02 0.71 0.93 0.52 1.77 4.07
NOPAT Less CapEx to Interest Expense		 0.40 0.19 0.39 0.48 0.88 0.59 0.79 0.47 1.45 3.35
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 55.25% 54.99% 49.79% 46.83% 50.86% 50.95% 47.02% 44.36% 36.31% 39.63%
Augmented Payout Ratio		 55.25% 54.99% 49.79% 46.83% 73.98% 74.65% 69.72% 66.64% 36.31% 39.72%

Frequently Asked Questions About Farmers National Banc's Financials

When does Farmers National Banc's financial year end?

According to the most recent income statement we have on file, Farmers National Banc's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Farmers National Banc's net income changed over the last 2 years?

Farmers National Banc's net income appears to be on a downward trend, with a most recent value of $45.95 million in 2024, falling from $60.60 million in 2022. The previous period was $49.93 million in 2023. Find out what analysts predict for Farmers National Banc in the coming months.

How has Farmers National Banc revenue changed over the last 2 years?

Over the last 2 years, Farmers National Banc's total revenue changed from $168.37 million in 2022 to $170.08 million in 2024, a change of 1.0%.

How much debt does Farmers National Banc have?

Farmers National Banc's total liabilities were at $4.71 billion at the end of 2024, a 0.8% increase from 2023, and a 24.4% increase since 2022.

How much cash does Farmers National Banc have?

In the past 2 years, Farmers National Banc's cash and equivalents has ranged from $75.55 million in 2022 to $103.66 million in 2023, and is currently $85.74 million as of their latest financial filing in 2024.

How has Farmers National Banc's book value per share changed over the last 2 years?

Over the last 2 years, Farmers National Banc's book value per share changed from 8.58 in 2022 to 10.80 in 2024, a change of 25.9%.


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This page (NASDAQ:FMNB) was last updated on 5/23/2025 by MarketBeat.com Staff
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