Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

Request Deep Dive(50 Feathers)

FMNB

Strong BuyFull HouseFLAG

Farmers National Banc Corp. · Financial Services · United States · $929M · Avg Vol: $6M/d

81
StockRank
Get insider-trade alerts
Q
57
V
54
M
67
P/E (TTM)
10.9x
ROE
10.9%
D/E
0.8x
Dividend %
4.3%
AI CONVICTION THESIS

Farmers National Banc has value V59 and momentum M62, but quality at Q55 misses the all-three-above-60 path, and insiders sold 0.04% with no offsetting purchase, which is separately adverse.

COMPANY DESCRIPTION

Farmers National Banc Corp. is a community-focused financial services holding company operating The Farmers National Bank of Canfield across Northeast Ohio and Western Pennsylvania. It offers a comprehensive suite of retail and commercial banking services, alongside wealth management and insurance solutions. The bank's competitive advantage lies in its strong local presence and personalized customer service, fostering deep community ties and client loyalty within its target markets.

FINANCIAL SUMMARY (USD)

Year20212022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue160.0M179.6M170.1M188.6M5.6%218.4M263.0M282.6M22.4%
EPS1.781.791.341.231.46-4.8%1.481.561.645.9%
Shares34.1M37.5M37.6M37.7M+10.6%
Debt183.2M443.7M391.1M367.7M26.1%469.2M
Equity292.3M404.4M406.0M485.7M18.4%
Op CF81.5M62.9M66.6M60.0M-9.7%64.5M
Inv CF-205.5M77.9M-95.1M-78.8M
Fin CF86.8M-112.8M10.6M25.4M
Loading 1Y...
PRICE (1Y)-0.1%
15.3715.6215.8716.1316.38Jul 30Aug 20Sep 10
SMA 50SMA 200

Close
$15.88
RSI (14)
54.3
52W High
$16.46
From 52W High
1.0%

SCORE BREAKDOWN

Quality
57
ROIC (ROA)
1.1%*37.9
ROE
10.9%54.3
GP/Assets
4.2%N/A
Op. Margin
47.0%66.8
FCF/Assets
0.9%N/A
Piotroski
685.7
Int. Cover
50.0
D/E Ratio
0.76xN/A
Current Ratio
bankN/A
Value
54
P/E (TTM)
10.9x63.2
EV/EBITDA
bankN/A
P/FCF
19.7xN/A
P/B
1.2x48.8
P/S
4.4x40.1
Div Yield
4.3%57.6
Momentum
67
52W High %
96%82.0
RS 6M
16%80.4
SMA 50/200
1.11x74.6
EPS Rev 4W
0.0%27.7
EPS Rev 12W
+0.6%45.9
EPS Improve
+19%48.5
Q Growth
66%78.4

FUNDAMENTALS

Market Cap
$929M
P/E (Forward)
9.1x
Gross Margin

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FMNB are excluded.

TickerCompanyMkt CapStockRankSignal
FMNBFarmers National Banc Corp.(you)$929M81Strong Buy
HAFCHanmi Financial Corporation$923M82Strong Buy
THFFFirst Financial Corporation$942M82Strong Buy
FISIFinancial Institutions, Inc.$807M81Strong Buy
ORRFOrrstown Financial Services, Inc.$825M76Buy
WASHWashington Trust Bancorp, Inc.$753M78Buy
BFSTBusiness First Bancshares, Inc.$1.0B75Buy
MPBMid Penn Bancorp, Inc.$929M73Buy
TCBXThird Coast Bancshares, Inc.$752M77Buy
HBTHBT Financial, Inc.$1.3B85Strong Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Farmers National Banc Corp. (FMNB): Stock Score Summary

Farmers National Banc Corp. (FMNB) has a MoatMap StockRank of 81/100 based on Quality (57/100), Value (54/100), and Momentum (67/100) factor scores. The current signal is STRONG BUY. Farmers National Banc has value V59 and momentum M62, but quality at Q55 misses the all-three-above-60 path, and insiders sold 0.04% with no offsetting purchase, which is separately adverse.

Farmers National Banc Corp. is a community-focused financial services holding company operating The Farmers National Bank of Canfield across Northeast Ohio and Western Pennsylvania. It offers a comprehensive suite of retail and commercial banking services, alongside wealth management and insurance solutions. The bank's competitive advantage lies in its strong local presence and personalized customer service, fostering deep community ties and client loyalty within its target markets.

Key Financial Metrics

Price$15.88
Market Cap$929M
P/E (TTM)10.86
P/E (Forward)9.13
Price/Book1.21
Return on Equity10.9%
Debt/Equity0.76x
Operating Margin47.0%
Revenue Growth56.4%
Dividend Yield4.3%
Free Cash Flow$47M

Farmers National Banc Corp. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Farmers National Banc Corp.’s (FMNB) StockRank?
MoatMap’s StockRank for Farmers National Banc Corp. (FMNB) is 81/100, with a Strong Buy signal. It is a composite of Quality (57), Value (54), and Momentum (67) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Farmers National Banc Corp. have an economic moat?
Farmers National Banc Corp. (FMNB) has a Quality factor score of 57/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Farmers National Banc Corp. a buy, hold, or sell?
MoatMap’s current signal for Farmers National Banc Corp. (FMNB) is Strong Buy, based on a StockRank of 81/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Farmers National Banc Corp. in?
Farmers National Banc Corp. (FMNB) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).