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FMNB

BULLISH
$13.94 Live
Farmers National Banc Corp. · NASDAQ
Target $14.67 (+5.2%)
$11.74 52W Range $15.5
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 10, 2026
Market cap
$823.88M
P/E
9.61
ROE
12.2%
Profit margin
30.1%
Debt/Equity
N/A
Dividend yield
4.88%

AI Analysis

AI-powered fundamental assessment

Confidence
75%
FMNB presents a strong value opportunity, trading significantly below its Graham Number ($20.51) and Intrinsic Value ($17.55). The company maintains a stable financial health profile with a Piotroski F-Score of 4/9 and a healthy ROE of 12.24%, which vastly outperforms the sector average. While earnings growth is modest and recent quarterly surprises have been negative, the low P/E ratio and sustainable 4.88% dividend yield provide a significant margin of safety. The bullish outlook is driven by deep valuation discounts despite a bearish technical trend indicator.

Key Strengths

Significant undervaluation relative to Graham Number ($20.51) and Intrinsic Value ($17.55)
Strong ROE (12.24%) compared to the negative sector average (-2.65%)
Attractive and sustainable dividend yield of 4.88% with a conservative 46.9% payout ratio
Low P/E ratio (9.61) and Forward P/E (7.70) indicating cheap entry point
Consistent long-term earnings track record over 25 quarters

Key Risks

Sluggish earnings growth (YoY 3.40%) compared to revenue growth
Recent earnings volatility with a -14.3% surprise in the most recent reported quarter
Bearish technical trend (0/100) suggesting short-term momentum headwinds
Limited analyst coverage (only 3 analysts), increasing information risk
Exposure to regional banking sector volatility and interest rate sensitivity
AI Fair Value Estimate
Based on comprehensive analysis
$18.5
+32.7% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
72
Strong
Value
90
Future
55
Past
70
Health
60
Dividend
85
AI Verdict
Strong Value Play
Key drivers: Deep valuation discount, Dividend sustainability, Superior ROE vs Peers
Confidence
80%
Value
90/100

Ref P/E 9.61, Graham Number $20.51

Positives
  • P/E well below sector average
  • Price is ~32% below Graham Number
  • P/B ratio of 1.08 is reasonable for regional banks
Watchpoints
  • Low growth may keep the multiple compressed
Future
55/100

Ref Growth rates

Positives
  • Positive Q/Q revenue growth (11.24%)
Watchpoints
  • Low YoY earnings growth (3.40%)
  • Recent EPS misses
Past
70/100

Ref Historical trends

Positives
  • Long history of earnings beats (25 quarters analyzed)
  • Positive 1Y price return (+17.1%)
Watchpoints
  • Recent decline in earnings surprise accuracy
Health
60/100

Ref Piotroski F-Score

Positives
  • Piotroski F-Score of 4/9 indicates stability
Watchpoints
  • F-Score is not in the 'Strong' range (7-9)
Dividend
85/100

Ref Yield, Payout

Positives
  • High yield (4.88%)
  • Healthy payout ratio (46.9%)
Watchpoints
No urgent risks highlighted.

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$13.94
Analyst Target
$14.67
Upside/Downside
+5.2%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for FMNB and closest competitors.

Updated 2026-04-09
FMN
Farmers National Banc Corp.
Primary
5Y
+4.5%
3Y
+34.2%
1Y
+17.1%
6M
+1.9%
1M
+11.8%
1W
+4.0%
CAC
Camden National Corporation
Peer
5Y
+26.6%
3Y
+61.2%
1Y
+40.7%
6M
+29.9%
1M
+7.1%
1W
+3.4%
ABX
Abacus Global Management, Inc.
Peer
5Y
-6.8%
3Y
-10.9%
1Y
+24.7%
6M
+51.2%
1M
+3.4%
1W
-5.8%
AIO
Virtus Artificial Intelligence & Technology Opportunities Fund
Peer
5Y
+44.0%
3Y
+81.7%
1Y
+1.9%
6M
+0.2%
1M
+2.7%
1W
-1.4%
FSB
Five Star Bancorp
Peer
5Y
+132.6%
3Y
+126.2%
1Y
+58.8%
6M
+32.0%
1M
+9.0%
1W
+6.4%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
9.61
Forward P/E
7.7
PEG Ratio
N/A
P/B Ratio
1.08
P/S Ratio
4.54
EV/Revenue
4.46
EV/EBITDA
N/A
Market Cap
$823.88M

Profitability

Profit margins and return metrics

Profit Margin 30.07%
Operating Margin 50.02%
Gross Margin N/A
ROE 12.24%
ROA 1.05%

Growth

Revenue and earnings growth rates

Revenue Growth +6.7%
Earnings Growth +3.4%
Q/Q Revenue Growth +11.24%
Q/Q Earnings Growth +1.7%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$2.48

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
29.8%
Total Assets
$5.2B
Liabilities
$4.8B
Equity
$0.5B
Debt/Equity
9.80x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
94%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-22
$N/A
2026-01-28
$0.4
-14.3% surprise
2025-10-22
$0.42
+3.7% surprise
2025-07-23
$0.37
+1.4% surprise

Financial Services Sector Comparison

Comparing FMNB against 306 companies in the Financial Services sector (53 bullish, 132 neutral, 121 bearish)
P/E Ratio
9.61
This Stock
vs
55.13
Sector Avg
-82.6% (Discount)
Return on Equity (ROE)
12.24%
This Stock
vs
-0.93%
Sector Avg
-1419.5% (Below Avg)
Profit Margin
30.07%
This Stock
vs
69.73%
Sector Avg
-56.9% (Weaker)
Revenue Growth
6.7%
This Stock
vs
32.66%
Sector Avg
-79.5% (Slower)

Similar Companies

Peer comparison within the same industry

FMNB Farmers National...
BULLISH
Mkt Cap
$824M
P/E
9.6
ROE
12.2%
Price
$13.94
CAC Camden...
BULLISH
Mkt Cap
$833M
P/E
12.8
ROE
10.6%
Price
$49.07
 Compare with FMNB
ABX Abacus Global...
BEARISH
Mkt Cap
$869M
P/E
24.7
ROE
8.8%
Price
$8.89
 Compare with FMNB
AIO Virtus...
BEARISH
Mkt Cap
$778M
P/E
5.4
ROE
-%
Price
$22.6
 Compare with FMNB
FSBC Five Star Bancorp
BULLISH
Mkt Cap
$871M
P/E
13.8
ROE
14.6%
Price
$40.75
 Compare with FMNB

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

VARISCHETTI NICHOLAS D.
Director
Buy
2026-03-26
73,000 shares · $946,810
VARISCHETTI NICHOLAS D.
Director
Buy
2026-03-26
2,000 shares · $25,800
RICHARDSON GINA A.
Director
Buy
2026-03-19
441 shares · $5,482
HELMICK KEVIN J
Chief Executive Officer
Gift
2026-03-11
3,000 shares
RICHARDSON GINA A.
Director
Buy
2026-03-05
1,231 shares · $15,892
MURANSKY EDWARD W
Director
Buy
2026-03-03
40,000 shares · $509,600
HELMICK KEVIN J
Chief Executive Officer
Stock Award
2026-02-24
32,976 shares · $328,222
WENICK MARK J.
Officer
Stock Award
2026-02-24
10,074 shares · $97,689
WALLACE SOUKENIK AMBER B
Officer
Stock Award
2026-02-24
8,768 shares · $79,410
ADAIR ALAN TROY
Chief Financial Officer
Stock Award
2026-02-24
12,423 shares · $121,271
MATUSZAK MICHAEL E
Chief Operating Officer
Stock Award
2026-02-24
11,479 shares · $110,160
CULP CARL D
Director
Gift
2025-12-18
3,000 shares
HELMICK KEVIN J
Chief Executive Officer
Gift
2025-12-04
4,000 shares
RICHARDSON GINA A.
Director
Buy
2025-10-30
1,833 shares · $23,811
MURANSKY EDWARD W
Director
Buy
2025-10-24
73,500 shares · $998,865
Insider transactions can signal confidence or concerns about company prospects

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
3 analysts
Piper Sandler
2026-01-29
Maintains
Neutral Neutral

Past News Coverage

Recent headlines mentioning FMNB from our newsroom.

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