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Farmers National Banc (FMNB) Financials

Farmers National Banc logo
$14.19 -0.08 (-0.56%)
Closing price 04:00 PM Eastern
Extended Trading
$14.20 +0.01 (+0.04%)
As of 04:57 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 8.06 21 23 33 36 42 52 61 50 46 55
Consolidated Net Income / (Loss)		 8.06 21 23 33 36 42 52 61 50 46 55
Net Income / (Loss) Continuing Operations		 8.06 21 23 33 36 42 52 61 50 46 55
Total Pre-Tax Income 		11 28 33 38 43 50 62 73 59 55 65
Total Revenue		 68 91 98 104 110 132 146 168 180 170 189
Net Interest Income / (Expense)		 50 68 74 79 82 96 108 124 138 128 142
Total Interest Income		 54 72 81 92 102 112 116 142 213 228 234
Loans and Leases Interest Income		 45 63 70 80 89 98 95 108 172 186 191
Investment Securities Interest Income		 9.14 9.22 10 11 12 14 21 34 39 38 41
Federal Funds Sold and Securities Borrowed Interest Income		 0.03 0.17 0.39 0.64 0.73 0.30 0.20 0.68 2.48 3.73 1.80
Total Interest Expense		 4.09 4.38 6.88 13 20 16 8.47 18 76 99 91
Deposits Interest Expense		 3.49 3.22 4.49 8.14 17 14 6.78 13 63 81 80
Short-Term Borrowings Interest Expense		 0.18 0.69 2.17 4.94 2.25 0.36 0.01 1.41 8.36 14 7.59
Long-Term Debt Interest Expense		 0.42 0.47 0.22 0.19 0.50 1.40 1.69 3.43 4.09 4.09 3.98
Total Non-Interest Income		 18 23 24 25 28 36 38 44 42 42 46
Other Service Charges		 9.08 1.85 1.37 1.48 1.67 1.87 2.17 4.27 5.18 5.18 4.33
Net Realized & Unrealized Capital Gains on Investments		 1.20 2.92 3.07 3.00 3.82 12 9.29 1.61 2.39 1.50 1.65
Other Non-Interest Income		 0.70 18 20 21 23 23 27 38 34 35 40
Provision for Credit Losses		 3.51 3.87 3.35 3.00 2.16 9.10 4.89 1.12 9.15 7.97 7.07
Total Non-Interest Expense		 54 59 61 63 65 73 79 94 112 107 116
Salaries and Employee Benefits		 27 32 35 36 37 40 39 45 57 59 62
Net Occupancy & Equipment Expense		 8.30 10 7.27 7.54 6.65 7.25 8.49 11 15 16 17
Marketing Expense		 1.48 1.46 1.53 1.56 1.74 1.53 1.86 1.95 1.79 1.50 1.83
Property & Liability Insurance Claims		 0.94 1.06 0.87 0.90 0.33 2.89 2.86 3.95 5.85 5.03 4.66
Other Operating Expenses		 9.25 13 14 15 18 17 18 26 22 23 24
Amortization Expense		 0.98 1.46 1.49 1.42 1.31 1.33 1.36 1.97 3.43 2.86 2.90
Restructuring Charge		 6.39 0.56 0.89 -0.16 0.20 3.22 7.11 4.07 5.48 0.09 4.05
Income Tax Expense		 2.50 7.49 10 5.71 7.32 8.40 10 12 8.77 9.48 10
Basic Earnings per Share		 $0.36 $0.76 $0.82 $1.18 $1.29 $1.48 $1.78 $1.79 $1.34 $1.23 $1.46
Weighted Average Basic Shares Outstanding		 22.68M 27.18M 27.57M 27.79M 28.54M 28.31M 34.00M 37.94M 37.55M 37.61M 37.67M
Diluted Earnings per Share		 $0.36 $0.76 $0.82 $1.16 $1.28 $1.47 $1.77 $1.79 $1.33 $1.22 $1.45
Weighted Average Diluted Shares Outstanding		 22.68M 27.18M 27.57M 27.79M 28.54M 28.31M 34.00M 37.94M 37.55M 37.61M 37.67M
Weighted Average Basic & Diluted Shares Outstanding		 22.68M 27.18M 27.57M 27.79M 28.54M 28.31M 34.00M 37.94M 37.55M 37.61M 37.67M
Cash Dividends to Common per Share		 - - - - - - - - $0.65 $0.68 $0.68

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 13 15 11 12 8.54 14 14 14 12 15 16
Consolidated Net Income / (Loss)		 13 15 11 12 8.54 14 14 14 12 15 16
Net Income / (Loss) Continuing Operations		 13 15 11 12 8.54 14 14 14 12 15 16
Total Pre-Tax Income 		16 18 13 14 10 18 16 16 15 18 20
Total Revenue		 44 45 40 42 44 44 45 47 48 49 56
Net Interest Income / (Expense)		 34 33 32 32 32 33 34 35 36 37 43
Total Interest Income		 54 55 55 57 58 58 57 58 59 59 67
Loans and Leases Interest Income		 44 45 45 47 47 47 47 47 49 49 55
Investment Securities Interest Income		 9.64 9.72 9.41 9.59 9.56 9.73 10 10 10 10 11
Federal Funds Sold and Securities Borrowed Interest Income		 0.75 0.57 0.63 0.74 1.37 0.99 0.51 0.43 0.47 0.40 0.68
Total Interest Expense		 20 22 23 25 26 25 23 23 23 22 25
Deposits Interest Expense		 17 18 18 20 22 21 20 20 20 19 20
Short-Term Borrowings Interest Expense		 1.96 2.75 3.94 3.58 3.48 3.11 2.42 1.54 1.68 1.96 3.14
Long-Term Debt Interest Expense		 1.04 1.04 1.04 1.04 1.02 0.99 0.98 1.01 1.01 0.99 0.97
Total Non-Interest Income		 9.83 12 8.36 9.61 12 11 10 12 11 12 14
Other Service Charges		 1.28 1.72 1.24 8.66 2.45 -7.17 11 1.23 1.15 0.63 1.38
Net Realized & Unrealized Capital Gains on Investments		 0.40 0.68 0.30 0.29 0.10 2.53 -0.99 0.37 -0.37 1.33 0.38
Other Non-Interest Income		 8.16 9.76 6.82 0.65 9.79 16 0.81 11 11 10 12
Provision for Credit Losses		 0.24 0.29 -0.45 1.11 7.01 0.30 -0.20 3.55 1.50 2.22 -1.03
Total Non-Interest Expense		 28 27 27 26 27 26 29 27 32 29 37
Salaries and Employee Benefits		 14 15 15 15 15 14 16 15 16 15 19
Net Occupancy & Equipment Expense		 3.81 3.90 3.73 3.82 3.97 4.08 4.14 4.12 4.37 4.46 5.13
Marketing Expense		 0.49 0.41 0.43 0.45 0.44 0.19 0.46 0.45 0.47 0.45 0.54
Property & Liability Insurance Claims		 1.65 1.48 1.35 1.19 1.48 1.02 1.26 1.26 1.21 0.93 1.60
Other Operating Expenses		 6.54 5.28 5.78 5.77 5.69 5.46 5.77 5.88 5.72 6.30 6.69
Amortization Expense		 0.73 0.58 0.69 0.63 0.63 0.91 0.74 0.74 0.72 0.71 0.87
Restructuring Charge		 0.27 0.45 - - 0.00 0.09 0.00 - 3.12 - 3.98
Income Tax Expense		 2.33 3.15 2.21 2.37 1.60 3.29 2.78 2.41 2.18 3.10 3.71
Basic Earnings per Share		 $0.36 $0.39 $0.30 $0.32 $0.23 $0.38 $0.36 $0.37 $0.33 $0.40 $0.36
Weighted Average Basic Shares Outstanding		 37.49M 37.55M 37.55M 37.58M 37.59M 37.61M 37.64M 37.65M 37.65M 37.67M 59.22M
Diluted Earnings per Share		 $0.36 $0.38 $0.30 $0.31 $0.23 $0.38 $0.36 $0.37 $0.33 $0.39 $0.36
Weighted Average Diluted Shares Outstanding		 37.49M 37.55M 37.55M 37.58M 37.59M 37.61M 37.64M 37.65M 37.65M 37.67M 59.22M
Weighted Average Basic & Diluted Shares Outstanding		 37.49M 37.55M 37.55M 37.58M 37.59M 37.61M 37.64M 37.65M 37.65M 37.67M 59.22M
Cash Dividends to Common per Share		 - - $0.17 $0.17 $0.17 - $0.17 $0.17 $0.17 - $0.17

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 29 -14 16 0.31 13 184 -142 -37 28 -18 6.62
Net Cash From Operating Activities		 6.32 24 31 39 39 49 55 82 63 67 60
Net Cash From Continuing Operating Activities		 6.32 24 31 39 39 49 55 82 63 67 60
Net Income / (Loss) Continuing Operations		 8.06 21 23 33 36 42 52 61 50 46 55
Consolidated Net Income / (Loss)		 8.06 21 23 33 36 42 52 61 50 46 55
Provision For Loan Losses		 3.51 3.87 - 3.00 2.45 9.10 4.89 1.12 8.72 7.97 7.29
Depreciation Expense		 2.75 3.67 3.14 2.99 2.84 3.12 3.54 4.90 7.33 6.40 6.78
Amortization Expense		 2.28 2.22 1.82 2.80 2.32 2.35 3.56 4.82 0.93 0.55 -0.82
Non-Cash Adjustments to Reconcile Net Income		 -0.87 1.46 5.03 -0.46 -0.15 -0.95 -0.82 2.19 -0.74 1.38 2.98
Changes in Operating Assets and Liabilities, net		 -9.40 -7.27 -2.14 -2.14 -4.47 -6.43 -8.08 7.88 -3.24 4.37 -11
Net Cash From Investing Activities		 -23 -115 -137 -179 -93 -160 -424 -206 78 -95 -79
Net Cash From Continuing Investing Activities		 -23 -115 -137 -179 -93 -160 -424 -206 78 -96 -79
Purchase of Property, Leasehold Improvements and Equipment		 -1.30 -0.79 -0.96 -0.45 -1.46 -3.70 -1.38 -2.56 -3.88 -12 -7.86
Purchase of Investment Securities		 -218 -187 -251 -232 -163 -282 -620 -326 -108 -206 -231
Sale and/or Maturity of Investments		 197 73 115 53 71 125 197 124 190 122 160
Net Cash From Financing Activities		 45 77 122 141 67 295 227 87 -113 11 25
Net Cash From Continuing Financing Activities		 45 77 122 141 67 295 227 87 -113 11 25
Net Change in Deposits		 -45 116 45 195 209 419 241 15 -260 89 76
Issuance of Debt		 96 - 91 0.00 40 0.00 74 95 185 -50 -24
Repayment of Debt		 -3.23 -35 -8.09 -46 -169 -97 -74 0.00 0.00 -2.54 0.00
Repurchase of Common Equity		 -0.21 -0.17 0.00 0.00 -2.84 -14 -0.16 0.00 -12 0.00 0.00
Payment of Dividends		 -2.68 -4.33 -6.01 -8.32 -11 -13 -14 -22 -25 -25 -25
Other Financing Activities, Net		 - - - - - - - -0.76 -0.62 -0.88 -1.11
Cash Interest Paid		 4.05 4.32 6.75 13 20 17 8.48 16 79 101 89

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -22 9.74 45 32 8.15 -103 28 -23 1.61 0.01 94
Net Cash From Operating Activities		 18 14 14 16 24 13 16 14 11 20 7.57
Net Cash From Continuing Operating Activities		 18 14 14 16 24 13 16 14 11 20 7.57
Net Income / (Loss) Continuing Operations		 13 15 11 12 8.54 14 14 14 12 15 16
Consolidated Net Income / (Loss)		 13 15 11 12 8.54 14 14 14 12 15 16
Provision For Loan Losses		 0.24 0.29 -0.27 1.11 7.01 0.30 -0.20 3.81 1.50 2.18 -1.01
Depreciation Expense		 1.68 1.55 1.61 1.49 1.50 1.80 1.61 1.74 1.70 1.73 2.00
Amortization Expense		 0.24 0.24 0.24 0.09 0.12 0.10 0.04 -0.22 -0.29 -0.35 -0.48
Non-Cash Adjustments to Reconcile Net Income		 -1.82 -0.94 2.16 -0.63 0.06 -0.39 3.45 -1.67 -1.98 3.18 -1.23
Changes in Operating Assets and Liabilities, net		 4.37 -1.23 -1.27 2.63 6.51 -2.95 -2.80 -3.55 -2.68 -1.74 -7.97
Net Cash From Investing Activities		 25 -19 27 -46 -42 -34 7.42 -46 -39 -1.46 85
Net Cash From Continuing Investing Activities		 25 -19 28 -46 -42 -34 7.42 -46 -40 -1.46 85
Purchase of Property, Leasehold Improvements and Equipment		 -1.20 -1.90 -1.55 -2.23 -3.47 -4.45 -3.50 -1.59 -1.68 -1.09 -0.51
Purchase of Investment Securities		 -17 -49 -32 -62 -64 -50 -37 -71 -94 -31 -19
Sale and/or Maturity of Investments		 43 26 61 19 24 20 48 26 56 31 105
Net Cash From Financing Activities		 -65 14 3.85 62 26 -82 4.43 9.63 30 -18 0.78
Net Cash From Continuing Financing Activities		 -65 14 3.85 62 26 -82 4.43 9.63 30 -18 0.78
Net Change in Deposits		 241 -334 21 7.71 156 -95 215 -85 4.10 -58 93
Repayment of Debt		 - - -10 - -2.54 - - - 102 - -85
Payment of Dividends		 -6.33 -6.33 -6.34 -6.35 -6.35 -6.35 -6.36 -6.37 -6.37 -6.37 -6.37
Other Financing Activities, Net		 - - -0.55 - - - -0.72 -0.14 -0.19 -0.06 -0.67
Cash Interest Paid		 23 21 27 28 30 16 25 22 21 22 27

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,870 1,966 2,159 2,329 2,449 3,071 4,143 4,082 5,078 5,119 5,246
Cash and Due from Banks		 56 42 58 58 71 255 113 76 104 20 20
Federal Funds Sold		 - - - - - - - - - 65 72
Trading Account Securities		 396 370 399 411 443 580 1,432 1,269 1,303 1,272 1,345
Loans and Leases, Net of Allowance		 1,288 1,417 1,565 1,722 1,797 2,056 2,302 2,378 -34 -36 -37
Allowance for Loan and Lease Losses		 8.98 11 12 14 14 22 29 27 34 36 37
Premises and Equipment, Net		 24 23 22 21 24 26 38 31 44 52 57
Goodwill		 35 37 38 38 38 46 94 95 167 167 167
Intangible Assets		 7.82 7.99 7.17 5.75 4.44 3.84 8.37 7.03 23 21 18
Other Assets		 63 69 70 73 72 83 156 228 3,471 3,557 3,603
Total Liabilities & Shareholders' Equity		 1,870 1,966 2,159 2,329 2,449 3,071 4,143 4,082 5,078 5,119 5,246
Total Liabilities		 1,672 1,753 1,917 2,067 2,150 2,721 3,670 3,790 4,674 4,713 4,760
Non-Interest Bearing Deposits		 315 367 412 422 434 609 916 897 1,027 966 994
Interest Bearing Deposits		 1,094 1,158 1,192 1,378 1,575 2,002 2,631 2,665 3,151 3,301 3,349
Short-Term Debt		 226 198 290 245 77 2.52 0.00 95 355 305 281
Long-Term Debt		 22 15 6.99 6.03 45 76 88 88 89 86 87
Other Long-Term Liabilities		 15 15 16 16 19 31 35 45 53 55 50
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 198 213 242 262 299 350 472 292 404 406 486
Total Preferred & Common Equity		 198 213 242 262 299 350 472 292 404 406 486
Total Common Equity		 198 213 242 262 299 350 472 292 404 406 486
Common Stock		 176 178 187 186 186 209 306 305 365 366 367
Retained Earnings		 26 43 59 84 109 138 174 212 237 257 286
Treasury Stock		 -4.69 -4.86 -4.63 -3.44 -5.71 -19 -17 -15 -25 -24 -23
Accumulated Other Comprehensive Income / (Loss)		 0.13 -2.79 0.60 -4.03 9.83 22 9.30 -210 -173 -193 -144

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 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 4,120 5,110 5,073 4,971 5,080 5,157 5,237 5,157 5,178 5,236 7,175
Cash and Due from Banks		 80 128 116 94 149 181 189 18 20 24 38
Federal Funds Sold		 - - - - - - - 95 71 69 148
Trading Account Securities		 1,297 1,357 1,319 1,213 1,272 1,249 1,296 1,284 1,277 1,307 1,486
Loans and Leases, Net of Allowance		 2,373 3,116 3,120 3,134 3,148 -34 -36 -36 -39 -40 -55
Allowance for Loan and Lease Losses		 27 36 35 35 33 34 36 36 39 40 55
Premises and Equipment, Net		 39 54 54 45 45 45 48 55 56 57 79
Goodwill		 95 168 168 168 167 167 167 167 167 167 272
Intangible Assets		 7.73 25 24 23 22 22 21 20 19 19 37
Other Assets		 194 261 227 295 242 3,526 3,551 3,552 3,607 3,633 5,171
Total Liabilities & Shareholders' Equity		 4,120 5,110 5,073 4,971 5,080 5,157 5,237 5,157 5,178 5,236 7,175
Total Liabilities		 3,854 4,735 4,706 4,655 4,683 4,760 4,797 4,728 4,741 4,770 6,409
Non-Interest Bearing Deposits		 935 1,107 1,084 1,040 977 969 970 979 996 995 1,334
Interest Bearing Deposits		 2,633 3,289 3,187 3,472 3,221 3,237 3,392 3,502 3,401 3,406 4,587
Short-Term Debt		 155 204 300 0.00 345 406 285 102 203 235 341
Long-Term Debt		 88 88 88 89 89 89 86 86 86 87 94
Other Long-Term Liabilities		 44 47 47 55 51 59 64 58 55 48 52
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 266 375 367 316 397 397 440 429 438 466 767
Total Preferred & Common Equity		 266 375 367 316 397 397 440 429 438 466 767
Total Common Equity		 266 375 367 316 397 397 440 429 438 466 767
Common Stock		 305 364 365 365 365 365 366 366 366 366 643
Retained Earnings		 205 213 222 229 242 247 249 264 272 278 296
Treasury Stock		 -15 -26 -26 -25 -24 -24 -24 -24 -23 -23 -22
Accumulated Other Comprehensive Income / (Loss)		 -229 -177 -194 -252 -185 -191 -151 -177 -177 -155 -150

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 26,971,084.00 27,047,664.00 27,544,048.00 27,777,161.00 27,668,632.00 28,260,376.00 28,321,581.00 - - - 37,653,183.00
DEI Adjusted Shares Outstanding		 26,971,084.00 27,047,664.00 27,544,048.00 27,777,161.00 27,668,632.00 28,260,376.00 28,321,581.00 - - - 37,653,183.00
DEI Earnings Per Adjusted Shares Outstanding		 0.30 0.76 0.82 1.17 1.29 1.48 1.83 - - - 1.45
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 31.77% 34.27% 6.93% 6.45% 6.17% 19.86% 10.45% 15.18% 6.70% -5.32% 10.87%
EBITDA Growth		 3.52% 117.75% 12.37% 15.60% 10.11% 14.87% 24.16% 19.28% -18.90% -6.82% 13.82%
EBIT Growth		 -8.99% 165.70% 18.25% 15.45% 13.27% 15.93% 23.56% 17.26% -19.41% -5.57% 17.35%
NOPAT Growth		 -10.15% 155.21% 10.48% 43.41% 9.80% 17.10% 23.80% 16.88% -17.60% -7.98% 18.80%
Net Income Growth		 -10.15% 155.21% 10.48% 43.41% 9.80% 17.10% 23.80% 16.88% -17.60% -7.98% 18.80%
EPS Growth		 -25.00% 111.11% 7.89% 41.46% 10.34% 14.84% 20.41% 1.13% -25.70% -8.27% 18.85%
Operating Cash Flow Growth		 -48.39% 287.40% 24.78% 26.82% -0.01% 26.59% 11.96% 48.36% -22.79% 5.86% -9.87%
Free Cash Flow Firm Growth		 -1,939.63% 117.57% -323.71% 165.12% 119.26% -73.01% -330.79% 283.11% -322.08% 130.02% -101.75%
Invested Capital Growth		 111.31% -4.33% 26.23% -4.74% -17.85% 1.78% 30.58% -15.12% 78.35% -6.00% 7.06%
Revenue Q/Q Growth		 13.70% 1.93% -13.48% 29.33% -3.28% 6.38% 2.32% -0.94% 4.27% -0.49% 2.70%
EBITDA Q/Q Growth		 16.84% 9.66% -28.09% 98.35% -4.73% 3.45% -8.80% 13.70% 1.51% 0.11% -0.53%
EBIT Q/Q Growth		 13.79% 13.59% -30.64% 132.03% -5.16% 3.57% -11.06% 15.84% 2.81% -0.08% 0.20%
NOPAT Q/Q Growth		 14.63% 11.91% -0.56% 11.85% 2.84% 4.18% -9.84% 14.46% 2.51% -0.40% 0.45%
Net Income Q/Q Growth		 14.63% 11.91% -0.56% 11.85% 2.84% 4.18% -9.84% 14.46% 2.51% -0.40% 0.45%
EPS Q/Q Growth		 5.88% 8.57% -1.20% 11.54% 3.23% 4.26% -12.38% 15.48% -0.75% 0.00% 0.69%
Operating Cash Flow Q/Q Growth		 -43.84% 91.07% -4.20% 7.17% 1.82% 24.82% -11.87% 9.91% -10.12% -0.91% 13.66%
Free Cash Flow Firm Q/Q Growth		 -54.59% 159.54% -50.90% 34.44% -30.89% 388.49% -252.63% 607.96% -311.02% 126.90% -102.19%
Invested Capital Q/Q Growth		 21.92% -5.43% 1.03% -1.15% 14.06% 1.74% 31.14% -6.53% 109.64% -1.67% 8.37%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 22.90% 37.13% 39.02% 42.38% 43.95% 42.12% 47.34% 49.03% 37.27% 36.68% 37.65%
EBIT Margin		 15.51% 30.69% 33.94% 36.81% 39.27% 37.98% 42.49% 43.26% 32.67% 32.59% 34.49%
Profit (Net Income) Margin		 11.84% 22.50% 23.25% 31.32% 32.39% 31.64% 35.47% 35.99% 27.79% 27.02% 28.95%
Tax Burden Percent		 76.32% 73.31% 68.49% 85.07% 83.02% 83.30% 83.47% 83.20% 85.07% 82.90% 83.92%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 99.33% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 23.68% 26.69% 31.51% 14.93% 16.98% 16.70% 16.53% 16.80% 14.93% 17.10% 16.08%
Return on Invested Capital (ROIC)		 2.45% 4.71% 4.71% 6.19% 7.65% 9.85% 10.48% 11.70% 7.55% 5.59% 6.61%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.45% 4.71% 4.71% 6.19% 7.65% 9.85% 10.48% 11.70% 7.55% 5.59% 6.61%
Return on Net Nonoperating Assets (RNNOA)		 2.56% 5.29% 5.27% 6.72% 5.08% 3.05% 2.12% 4.15% 6.79% 5.75% 5.63%
Return on Equity (ROE)		 5.01% 10.00% 9.98% 12.91% 12.73% 12.90% 12.61% 15.85% 14.33% 11.34% 12.24%
Cash Return on Invested Capital (CROIC)		 -69.06% 9.14% -18.48% 11.05% 27.26% 8.08% -16.04% 28.05% -48.75% 11.77% -0.21%
Operating Return on Assets (OROA)		 0.70% 1.46% 1.61% 1.71% 1.82% 1.82% 1.72% 1.77% 1.28% 1.09% 1.26%
Return on Assets (ROA)		 0.54% 1.07% 1.10% 1.45% 1.50% 1.52% 1.44% 1.47% 1.09% 0.90% 1.05%
Return on Common Equity (ROCE)		 5.01% 10.00% 9.98% 12.91% 12.73% 12.90% 12.61% 15.85% 14.33% 11.34% 12.24%
Return on Equity Simple (ROE_SIMPLE)		 4.07% 9.64% 9.38% 12.42% 11.95% 11.96% 10.97% 20.73% 12.35% 11.32% 11.24%
Net Operating Profit after Tax (NOPAT)		 8.06 21 23 33 36 42 52 61 50 46 55
NOPAT Margin		 11.84% 22.50% 23.25% 31.32% 32.39% 31.64% 35.47% 35.99% 27.79% 27.02% 28.95%
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% 0.00%
SG&A Expenses to Revenue		 53.53% 47.74% 44.58% 43.34% 41.26% 36.73% 34.02% 34.65% 41.53% 44.69% 43.05%
Operating Expenses to Revenue		 79.33% 65.07% 62.63% 60.30% 58.77% 55.14% 54.16% 56.07% 62.23% 62.73% 61.76%
Earnings before Interest and Taxes (EBIT)		 11 28 33 38 43 50 62 73 59 55 65
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 16 34 38 44 49 56 69 83 67 62 71
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.90 1.41 1.33 1.09 1.25 0.92 0.99 1.49 1.28 1.32 1.02
Price to Tangible Book Value (P/TBV)		 1.15 1.79 1.64 1.31 1.46 1.08 1.26 2.28 2.41 2.45 1.65
Price to Revenue (P/Rev)		 2.62 3.28 3.30 2.76 3.40 2.44 3.18 2.58 2.87 3.14 2.63
Price to Earnings (P/E)		 22.15 14.60 14.20 8.80 10.50 7.71 8.98 7.17 10.33 11.63 9.07
Dividend Yield		 1.81% 1.44% 1.88% 2.91% 2.80% 3.85% 2.86% 5.10% 4.94% 4.78% 5.17%
Earnings Yield		 4.51% 6.85% 7.04% 11.36% 9.52% 12.96% 11.14% 13.95% 9.68% 8.60% 11.02%
Enterprise Value to Invested Capital (EV/IC)		 0.83 1.11 1.04 0.93 1.01 0.34 0.79 1.14 1.01 1.05 0.90
Enterprise Value to Revenue (EV/Rev)		 5.44 5.16 5.75 4.61 3.87 1.11 3.01 3.22 4.76 4.94 4.09
Enterprise Value to EBITDA (EV/EBITDA)		 23.77 13.91 14.73 10.88 8.80 2.64 6.36 6.57 12.78 13.46 10.85
Enterprise Value to EBIT (EV/EBIT)		 35.09 16.83 16.93 12.53 9.84 2.93 7.09 7.44 14.58 15.15 11.85
Enterprise Value to NOPAT (EV/NOPAT)		 45.98 22.95 24.72 14.73 11.94 3.52 8.49 8.95 17.14 18.28 14.12
Enterprise Value to Operating Cash Flow (EV/OCF)		 58.58 19.26 18.37 12.37 11.01 3.00 8.02 6.65 13.60 12.61 12.83
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 11.83 0.00 8.26 3.35 4.28 0.00 3.73 0.00 8.67 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.25 1.00 1.23 0.96 0.41 0.23 0.19 0.63 1.10 0.96 0.76
Long-Term Debt to Equity		 0.11 0.07 0.03 0.02 0.15 0.22 0.19 0.30 0.22 0.21 0.18
Financial Leverage		 1.04 1.12 1.12 1.09 0.66 0.31 0.20 0.35 0.90 1.03 0.85
Leverage Ratio		 9.35 9.33 9.06 8.90 8.51 8.50 8.77 10.76 13.15 12.58 11.62
Compound Leverage Factor		 9.35 9.33 9.06 8.90 8.45 8.50 8.77 10.76 13.15 12.58 11.62
Debt to Total Capital		 55.60% 50.03% 55.06% 48.88% 28.99% 18.39% 15.67% 38.53% 52.31% 49.07% 43.09%
Short-Term Debt to Total Capital		 50.63% 46.51% 53.76% 47.70% 18.28% 0.59% 0.00% 19.98% 41.86% 38.26% 32.92%
Long-Term Debt to Total Capital		 4.97% 3.52% 1.30% 1.18% 10.71% 17.81% 15.67% 18.55% 10.45% 10.81% 10.16%
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% 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% 0.00%
Common Equity to Total Capital		 44.40% 49.97% 44.94% 51.12% 71.01% 81.61% 84.33% 61.47% 47.69% 50.93% 56.91%
Debt to EBITDA		 15.92 6.29 7.78 5.69 2.52 1.42 1.27 2.22 6.63 6.27 5.18
Net Debt to EBITDA		 12.32 5.06 6.27 4.38 1.06 -3.15 -0.36 1.30 5.08 4.90 3.88
Long-Term Debt to EBITDA		 1.42 0.44 0.18 0.14 0.93 1.37 1.27 1.07 1.32 1.38 1.22
Debt to NOPAT		 30.79 10.39 13.06 7.70 3.42 1.88 1.69 3.02 8.89 8.51 6.74
Net Debt to NOPAT		 23.83 8.35 10.52 5.92 1.44 -4.20 -0.48 1.78 6.81 6.65 5.04
Long-Term Debt to NOPAT		 2.75 0.73 0.31 0.19 1.26 1.82 1.69 1.46 1.78 1.87 1.59
Noncontrolling Interest Sharing Ratio		 0.00% 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)		 -227 40 -89 58 127 34 -79 145 -323 97 -1.69
Operating Cash Flow to CapEx		 486.76% 3,108.50% 3,197.28% 8,614.22% 2,658.50% 1,327.54% 3,995.13% 3,184.88% 0.00% 659.69% 763.80%
Free Cash Flow to Firm to Interest Expense		 -55.48 9.11 -12.96 4.38 6.50 2.13 -9.37 8.11 -4.27 0.97 -0.02
Operating Cash Flow to Interest Expense		 1.55 5.60 4.44 2.92 1.98 3.04 6.49 4.55 0.83 0.67 0.66
Operating Cash Flow Less CapEx to Interest Expense		 1.23 5.42 4.30 2.89 1.90 2.81 6.32 4.41 0.87 0.57 0.57
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.04 0.03 0.04
Fixed Asset Turnover		 3.30 3.85 4.29 4.78 4.90 5.35 4.63 4.93 4.78 3.52 3.46
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 446 427 539 513 422 429 560 476 848 797 853
Invested Capital Turnover		 0.21 0.21 0.20 0.20 0.24 0.31 0.30 0.33 0.27 0.21 0.23
Increase / (Decrease) in Invested Capital		 235 -19 112 -26 -92 7.50 131 -85 373 -51 56
Enterprise Value (EV)		 370 472 561 480 427 147 440 542 856 840 771
Market Capitalization		 178 300 322 287 375 323 465 434 516 534 495
Book Value per Share		 $7.34 $7.88 $8.79 $9.44 $10.82 $12.39 $16.68 $8.58 $10.79 $10.80 $12.90
Tangible Book Value per Share		 $5.75 $6.21 $7.14 $7.86 $9.28 $10.63 $13.06 $5.60 $5.71 $5.80 $7.98
Total Capital		 446 427 539 513 422 429 560 476 848 797 853
Total Debt		 248 213 297 251 122 79 88 183 444 391 368
Total Long-Term Debt		 22 15 6.99 6.03 45 76 88 88 89 86 87
Net Debt		 192 172 239 193 51 -176 -25 108 340 305 275
Capital Expenditures (CapEx)		 1.30 0.79 0.96 0.45 1.46 3.70 1.38 2.56 -2.91 10 7.86
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 248 213 297 251 122 79 88 183 444 391 368
Total Depreciation and Amortization (D&A)		 5.03 5.88 4.96 5.79 5.16 5.47 7.09 9.72 8.25 6.96 5.96
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.36 $0.76 $0.82 $1.18 $1.29 $1.48 $1.78 $1.79 $1.34 $1.23 $1.46
Adjusted Weighted Average Basic Shares Outstanding		 26.94M 27.05M 27.55M 27.79M 28.54M 28.31M 34.00M 37.94M 37.55M 37.61M 37.67M
Adjusted Diluted Earnings per Share		 $0.36 $0.76 $0.82 $1.16 $1.28 $1.47 $1.77 $1.79 $1.33 $1.22 $1.45
Adjusted Weighted Average Diluted Shares Outstanding		 26.94M 27.05M 27.55M 27.79M 28.54M 28.31M 34.00M 37.94M 37.55M 37.61M 37.67M
Adjusted Basic & Diluted Earnings per Share		 $0.36 $0.76 $0.82 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 26.94M 27.05M 27.55M 27.79M 28.54M 28.31M 34.00M 37.94M 37.55M 37.61M 37.67M
Normalized Net Operating Profit after Tax (NOPAT)		 13 21 23 32 36 45 58 64 55 46 58
Normalized NOPAT Margin		 19.01% 22.95% 23.87% 31.19% 32.53% 33.67% 39.52% 38.00% 30.39% 27.06% 30.75%
Pre Tax Income Margin		 15.51% 30.69% 33.94% 36.81% 39.01% 37.98% 42.49% 43.26% 32.67% 32.59% 34.49%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.58 6.41 4.82 2.89 2.21 3.12 7.33 4.06 0.78 0.56 0.71
NOPAT to Interest Expense		 1.97 4.70 3.30 2.46 1.82 2.60 6.12 3.38 0.66 0.46 0.60
EBIT Less CapEx to Interest Expense		 2.26 6.23 4.68 2.85 2.14 2.89 7.17 3.92 0.82 0.46 0.63
NOPAT Less CapEx to Interest Expense		 1.65 4.52 3.16 2.42 1.75 2.37 5.96 3.24 0.70 0.36 0.51
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 33.31% 21.04% 26.47% 25.53% 29.47% 30.22% 27.14% 36.31% 50.86% 55.25% 46.65%
Augmented Payout Ratio		 35.95% 21.86% 26.47% 25.53% 37.42% 64.22% 27.46% 36.31% 73.98% 55.25% 46.65%

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 37,614,636.00 37,640,525.00 37,646,549.00 37,653,183.00 37,672,309.00
DEI Adjusted Shares Outstanding		 - - - - - - 37,614,636.00 37,640,525.00 37,646,549.00 37,653,183.00 37,672,309.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.36 0.37 0.33 0.39 0.43
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 7.37% 19.54% -14.86% -5.35% 1.42% -1.85% 11.57% 12.89% 7.96% 11.25% 25.92%
EBITDA Growth		 -16.52% 5.37% 54.91% -21.31% -33.04% 0.36% 17.63% 13.34% 35.75% -1.94% 19.38%
EBIT Growth		 -16.64% 9.97% 74.41% -19.64% -35.21% -0.25% 21.55% 15.28% 43.66% 0.75% 22.12%
NOPAT Growth		 -13.80% 9.14% 58.87% -21.27% -35.89% -1.28% 20.80% 18.05% 46.00% 1.71% 19.78%
Net Income Growth		 -13.80% 9.14% 58.87% -21.27% -35.89% -1.28% 20.80% 18.05% 46.00% 1.71% 19.78%
EPS Growth		 -21.74% -2.56% 57.89% -22.50% -36.11% 0.00% 20.00% 19.35% 43.48% 2.63% 0.00%
Operating Cash Flow Growth		 -4.89% -35.15% -5.08% -0.53% 31.71% -8.54% 14.27% -15.52% -55.15% 58.06% -51.67%
Free Cash Flow Firm Growth		 277.76% -465.15% 14.34% 55.74% -438.43% 118.24% 248.74% 243.37% 108.96% -163.78% -350.39%
Invested Capital Growth		 -20.48% 78.35% 24.56% 18.02% 100.41% -6.00% -25.69% -18.44% -2.86% 7.06% 94.68%
Revenue Q/Q Growth		 -0.97% 3.18% -10.99% 4.07% 6.10% -0.14% 1.19% 5.30% 1.48% 2.89% 14.53%
EBITDA Q/Q Growth		 -12.21% 11.12% -21.56% 2.84% -25.30% 66.55% -8.05% -0.92% -10.53% 20.31% 11.94%
EBIT Q/Q Growth		 -11.22% 13.35% -24.11% 5.23% -28.42% 74.51% -7.52% -0.21% -10.80% 22.38% 12.11%
NOPAT Q/Q Growth		 -11.04% 9.49% -22.89% 4.83% -27.57% 68.61% -5.65% 2.45% -10.42% 17.46% 11.12%
Net Income Q/Q Growth		 -11.04% 9.49% -22.89% 4.83% -27.57% 68.61% -5.65% 2.45% -10.42% 17.46% 11.12%
EPS Q/Q Growth		 -10.00% 5.56% -21.05% 3.33% -25.81% 65.22% -5.26% 2.78% -10.81% 18.18% -7.69%
Operating Cash Flow Q/Q Growth		 8.76% -19.64% -5.00% 25.19% 44.01% -44.20% 26.10% -10.54% -23.58% 83.36% -61.44%
Free Cash Flow Firm Q/Q Growth		 141.81% -404.68% 57.37% 18.50% -219.72% 116.42% 247.63% -21.44% -80.01% -216.82% -1,264.76%
Invested Capital Q/Q Growth		 -46.45% 109.64% -2.04% 7.32% -9.07% -1.67% -22.55% 17.78% 8.30% 8.37% 40.84%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 40.27% 43.37% 38.22% 37.77% 26.59% 44.35% 40.30% 37.92% 33.43% 39.09% 38.21%
EBIT Margin		 35.87% 39.41% 33.60% 33.97% 22.92% 40.05% 36.61% 34.69% 30.49% 36.27% 35.50%
Profit (Net Income) Margin		 30.54% 32.40% 28.07% 28.28% 19.30% 32.59% 30.39% 29.57% 26.10% 29.80% 28.91%
Tax Burden Percent		 85.13% 82.23% 83.54% 83.23% 84.23% 81.38% 83.03% 85.23% 85.12% 82.54% 81.43%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.56% 99.54% 100.00%
Effective Tax Rate		 14.87% 17.77% 16.46% 16.77% 15.77% 18.62% 16.97% 14.77% 14.88% 17.46% 18.57%
Return on Invested Capital (ROIC)		 11.52% 8.80% 6.47% 5.85% 5.43% 6.74% 7.33% 6.58% 6.00% 6.81% 6.36%
ROIC Less NNEP Spread (ROIC-NNEP)		 11.52% 8.80% 6.47% 5.85% 5.43% 6.74% 7.33% 6.58% 6.00% 6.81% 6.36%
Return on Net Nonoperating Assets (RNNOA)		 6.57% 7.91% 6.09% 6.76% 3.30% 6.94% 5.52% 6.18% 4.59% 5.79% 3.32%
Return on Equity (ROE)		 18.09% 16.71% 12.56% 12.61% 8.73% 13.68% 12.85% 12.76% 10.58% 12.60% 9.68%
Cash Return on Invested Capital (CROIC)		 33.48% -48.75% -14.65% -10.35% -59.26% 11.77% 36.14% 26.54% 9.70% -0.21% -57.97%
Operating Return on Assets (OROA)		 1.36% 1.55% 1.14% 1.13% 0.77% 1.34% 1.25% 1.21% 1.07% 1.32% 1.15%
Return on Assets (ROA)		 1.16% 1.27% 0.95% 0.94% 0.65% 1.09% 1.04% 1.03% 0.92% 1.08% 0.94%
Return on Common Equity (ROCE)		 18.09% 16.71% 12.56% 12.61% 8.73% 13.68% 12.85% 12.76% 10.58% 12.60% 9.68%
Return on Equity Simple (ROE_SIMPLE)		 15.42% 0.00% 13.63% 12.83% 10.49% 0.00% 11.25% 11.52% 11.66% 0.00% 7.47%
Net Operating Profit after Tax (NOPAT)		 13 15 11 12 8.54 14 14 14 12 15 16
NOPAT Margin		 30.54% 32.40% 28.07% 28.28% 19.30% 32.59% 30.39% 29.57% 26.10% 29.80% 28.91%
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% 0.00%
SG&A Expenses to Revenue		 42.51% 42.64% 48.02% 45.16% 43.60% 42.33% 46.47% 41.02% 43.63% 41.33% 42.98%
Operating Expenses to Revenue		 63.57% 59.96% 67.52% 63.36% 61.23% 59.28% 63.85% 57.77% 66.36% 59.20% 66.34%
Earnings before Interest and Taxes (EBIT)		 16 18 13 14 10 18 16 16 15 18 20
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 18 20 15 16 12 20 18 18 16 19 21
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.30 1.28 1.25 1.18 1.29 1.32 1.09 1.19 1.16 1.02 0.65
Price to Tangible Book Value (P/TBV)		 3.30 2.41 2.38 2.26 2.26 2.45 1.94 2.07 1.94 1.65 1.08
Price to Revenue (P/Rev)		 2.39 2.87 2.86 2.75 3.32 3.14 2.68 2.88 2.95 2.63 2.48
Price to Earnings (P/E)		 8.45 10.33 9.14 9.21 12.32 11.63 9.69 10.30 9.98 9.07 8.66
Dividend Yield		 6.19% 4.94% 5.16% 5.44% 4.50% 4.78% 5.47% 4.93% 4.72% 5.17% 6.46%
Earnings Yield		 11.83% 9.68% 10.94% 10.86% 8.12% 8.60% 10.32% 9.71% 10.02% 11.02% 11.55%
Enterprise Value to Invested Capital (EV/IC)		 1.00 1.01 0.94 0.88 0.93 1.05 0.88 0.99 0.98 0.90 0.62
Enterprise Value to Revenue (EV/Rev)		 2.36 4.76 4.52 4.60 4.39 4.94 3.11 3.99 4.20 4.09 3.72
Enterprise Value to EBITDA (EV/EBITDA)		 6.16 12.78 10.77 11.49 12.04 13.46 8.34 10.68 10.81 10.85 10.00
Enterprise Value to EBIT (EV/EBIT)		 7.12 14.58 12.10 12.84 13.52 15.15 9.31 11.87 11.89 11.85 10.85
Enterprise Value to NOPAT (EV/NOPAT)		 8.34 17.14 14.41 15.38 16.26 18.28 11.24 14.24 14.20 14.12 13.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.81 13.60 12.66 12.73 11.16 12.61 7.92 10.88 14.61 12.83 14.34
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.66 0.00 0.00 0.00 0.00 8.67 2.07 3.34 9.95 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.28 1.10 1.09 1.25 0.84 0.96 0.44 0.66 0.69 0.76 0.57
Long-Term Debt to Equity		 0.28 0.22 0.22 0.22 0.20 0.21 0.20 0.20 0.19 0.18 0.12
Financial Leverage		 0.57 0.90 0.94 1.16 0.61 1.03 0.75 0.94 0.76 0.85 0.52
Leverage Ratio		 15.63 13.15 13.21 13.40 13.51 12.58 12.39 12.39 11.56 11.62 10.31
Compound Leverage Factor		 15.63 13.15 13.21 13.40 13.51 12.58 12.39 12.39 11.63 11.57 10.31
Debt to Total Capital		 21.89% 52.31% 52.21% 55.51% 45.77% 49.07% 30.49% 39.80% 40.83% 43.09% 36.20%
Short-Term Debt to Total Capital		 0.00% 41.86% 41.53% 45.54% 35.15% 38.26% 16.52% 27.92% 29.84% 32.92% 28.37%
Long-Term Debt to Total Capital		 21.89% 10.45% 10.69% 9.97% 10.61% 10.81% 13.97% 11.89% 10.99% 10.16% 7.83%
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% 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% 0.00%
Common Equity to Total Capital		 78.11% 47.69% 47.79% 44.49% 54.23% 50.93% 69.51% 60.20% 59.17% 56.91% 63.80%
Debt to EBITDA		 1.34 6.63 5.99 7.27 5.95 6.27 2.89 4.31 4.51 5.18 5.84
Net Debt to EBITDA		 -0.08 5.08 3.94 4.61 2.92 4.90 1.15 2.96 3.21 3.88 3.34
Long-Term Debt to EBITDA		 1.34 1.32 1.23 1.31 1.38 1.38 1.33 1.29 1.21 1.22 1.26
Debt to NOPAT		 1.82 8.89 8.02 9.72 8.04 8.51 3.90 5.74 5.92 6.74 7.60
Net Debt to NOPAT		 -0.11 6.81 5.27 6.17 3.94 6.65 1.55 3.94 4.22 5.04 4.35
Long-Term Debt to NOPAT		 1.82 1.78 1.64 1.75 1.86 1.87 1.79 1.71 1.59 1.59 1.64
Noncontrolling Interest Sharing Ratio		 0.00% 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)		 117 -358 -153 -124 -398 65 227 178 36 -42 -568
Operating Cash Flow to CapEx		 1,503.92% 0.00% 0.00% 740.63% 684.48% 297.77% 447.97% 1,072.53% 637.62% 1,803.67% 1,493.69%
Free Cash Flow to Firm to Interest Expense		 5.74 -16.10 -6.53 -5.02 -15.27 2.59 9.82 7.83 1.55 -1.86 -23.15
Operating Cash Flow to Interest Expense		 0.88 0.65 0.56 0.67 0.91 0.53 0.68 0.62 0.46 0.88 0.31
Operating Cash Flow Less CapEx to Interest Expense		 0.82 0.87 0.57 0.58 0.78 0.35 0.53 0.56 0.39 0.83 0.29
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.04 0.04 0.03
Fixed Asset Turnover		 4.09 4.78 3.47 3.44 3.68 3.52 3.49 3.56 3.51 3.46 2.99
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 405 848 831 892 811 797 617 727 788 853 1,202
Invested Capital Turnover		 0.38 0.27 0.23 0.21 0.28 0.21 0.24 0.22 0.23 0.23 0.22
Increase / (Decrease) in Invested Capital		 -104 373 164 136 406 -51 -213 -164 -23 56 585
Enterprise Value (EV)		 406 856 780 783 750 840 543 718 772 771 745
Market Capitalization		 412 516 495 469 568 534 468 519 542 495 496
Book Value per Share		 $8.43 $10.79 $10.57 $10.56 $11.70 $10.80 $11.41 $11.63 $12.38 $12.90 $12.95
Tangible Book Value per Share		 $3.33 $5.71 $5.52 $5.53 $6.69 $5.80 $6.42 $6.67 $7.44 $7.98 $7.74
Total Capital		 405 848 831 892 811 797 617 727 788 853 1,202
Total Debt		 89 444 434 495 371 391 188 289 322 368 435
Total Long-Term Debt		 89 89 89 89 86 86 86 86 87 87 94
Net Debt		 -5.37 340 285 314 182 305 75 199 229 275 249
Capital Expenditures (CapEx)		 1.20 -4.88 -0.04 2.23 3.47 4.45 3.50 1.31 1.68 1.09 0.51
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 89 444 434 495 371 391 188 289 322 368 435
Total Depreciation and Amortization (D&A)		 1.92 1.78 1.85 1.58 1.62 1.90 1.65 1.52 1.40 1.39 1.52
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.36 $0.39 $0.30 $0.32 $0.23 $0.38 $0.36 $0.37 $0.33 $0.40 $0.36
Adjusted Weighted Average Basic Shares Outstanding		 37.49M 37.55M 37.55M 37.58M 37.59M 37.61M 37.64M 37.65M 37.65M 37.67M 59.22M
Adjusted Diluted Earnings per Share		 $0.36 $0.38 $0.30 $0.31 $0.23 $0.38 $0.36 $0.37 $0.33 $0.39 $0.36
Adjusted Weighted Average Diluted Shares Outstanding		 37.49M 37.55M 37.55M 37.58M 37.59M 37.61M 37.64M 37.65M 37.65M 37.67M 59.22M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 37.49M 37.55M 37.55M 37.58M 37.59M 37.61M 37.64M 37.65M 37.65M 37.67M 59.22M
Normalized Net Operating Profit after Tax (NOPAT)		 14 15 11 12 8.54 14 14 14 15 15 20
Normalized NOPAT Margin		 31.06% 33.23% 28.07% 28.28% 19.30% 32.76% 30.39% 29.57% 31.67% 29.80% 34.67%
Pre Tax Income Margin		 35.87% 39.41% 33.60% 33.97% 22.92% 40.05% 36.61% 34.69% 30.67% 36.10% 35.50%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.76 0.80 0.58 0.57 0.39 0.70 0.71 0.72 0.63 0.80 0.81
NOPAT to Interest Expense		 0.65 0.66 0.48 0.48 0.33 0.57 0.59 0.61 0.54 0.65 0.66
EBIT Less CapEx to Interest Expense		 0.71 1.02 0.58 0.48 0.26 0.53 0.56 0.66 0.56 0.75 0.79
NOPAT Less CapEx to Interest Expense		 0.59 0.88 0.48 0.39 0.19 0.40 0.44 0.55 0.47 0.60 0.64
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 50.95% 50.86% 46.83% 49.79% 54.99% 55.25% 52.62% 50.44% 46.83% 46.65% 44.48%
Augmented Payout Ratio		 74.65% 73.98% 46.83% 49.79% 54.99% 55.25% 52.62% 50.44% 46.83% 46.65% 44.48%

Financials Breakdown Chart

Key Financial Trends

Farmers National Banc (NASDAQ: FMNB) showed a solid start to 2026, with earnings and operating cash flow improving versus recent quarters, but the balance sheet still reflects meaningful pressure from lower equity and a shrinking cash position over the longer term.

In Q1 2026, FMNB reported net income of $16.3 million, up from $14.6 million in Q4 2025 and $12.5 million in Q3 2025. Earnings per share were $0.36, essentially in line with recent quarters, while total revenue rose to $56.3 million. The quarter also benefited from stronger non-interest income, which climbed to $13.7 million, and a sharp increase in net cash from operating activities to $7.6 million.

At the same time, the bank’s deposit base rebounded in Q1 2026 after a weak Q4 2025, and investment security sales helped generate substantial investing cash inflows. However, the balance sheet remains large relative to common equity, and accumulated other comprehensive loss remains a major drag on book value.

  • Net income improved sequentially, rising to $16.3 million in Q1 2026 from $14.6 million in Q4 2025 and $12.5 million in Q3 2025.
  • Revenue increased quarter over quarter to $56.3 million, helped by stronger interest income and non-interest income.
  • Operating cash flow strengthened to $7.6 million, compared with $19.6 million in Q4 2025 but well above the $10.7 million generated in Q3 2025.
  • Non-interest income jumped to $13.7 million, signaling healthier fee and other income contributions.
  • Deposits grew sharply in Q1 2026, with net deposit growth of $92.8 million after a large Q4 2025 outflow.
  • Investment activity supported liquidity, as sales and maturities of investments brought in $104.7 million in cash.
  • Loan loss provisioning was manageable in Q1 2026, with a $1.0 million provision for credit losses and a $1.0 million provision for loan losses in cash flow adjustments.
  • EPS was stable at $0.36, showing earnings growth without a big change in per-share profitability.
  • Non-interest expense remains elevated at $37.3 million, driven by salaries, other operating expenses, and a sizable restructuring charge of $4.0 million.
  • Common equity fell sharply year over year to $766.9 million in Q1 2026 from $429.1 million in Q1 2025 and far above the large AOCI drag, indicating continued pressure on book value metrics.

Looking at the multi-year trend, FMNB’s earnings power has improved from the weaker 2022 period, when quarterly net income was often in the low-to-mid teens and some quarters were pressured by higher funding costs and credit losses. Since then, the bank has generally produced steady quarterly profits in the $12 million to $16 million range, while also showing better control of credit costs in more recent periods.

The biggest concern is the balance sheet structure. Total assets were $7.2 billion in Q1 2026, but common equity was only $766.9 million, and AOCI was a negative $150.2 million. That means unrealized losses and other equity pressures still matter for investors watching tangible book value and capital flexibility.

Bottom line: FMNB appears to be on a decent earnings track, with improving profitability and healthy deposit rebound in Q1 2026. Still, investors should watch expense growth, credit trends, and whether the bank can continue rebuilding capital and reducing balance-sheet pressure over the next several quarters.

05/27/26 05:59 PM ETAI Generated. May Contain Errors.

Farmers National Banc Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Farmers National Banc's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Farmers National Banc's net income appears to be on an upward trend, with a most recent value of $54.59 million in 2025, rising from $8.06 million in 2015. The previous period was $45.95 million in 2024. Find out what analysts predict for Farmers National Banc in the coming months.

Over the last 10 years, Farmers National Banc's total revenue changed from $68.04 million in 2015 to $188.57 million in 2025, a change of 177.1%.

Farmers National Banc's total liabilities were at $4.76 billion at the end of 2025, a 1.0% increase from 2024, and a 184.7% increase since 2015.

In the past 10 years, Farmers National Banc's cash and equivalents has ranged from $20.43 million in 2024 to $254.62 million in 2020, and is currently $20.49 million as of their latest financial filing in 2025.

Over the last 10 years, Farmers National Banc's book value per share changed from 7.34 in 2015 to 12.90 in 2025, a change of 75.7%.


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Financial statements for NASDAQ:FMNB last updated on 5/14/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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