Stocks · Financial Services · Banks - Regional
Farmers National Banc Corp. FMNB
$15.34 +1.25% Close, Oct 2, 2026 · NASDAQ · Market cap $682.1M
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 19.3% in a year.
- Net debt is 3.6× EBITDA, a high level of leverage.
- The shares trade at 10.7× trailing earnings, higher than 86% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 37%
- EPS growth (TTM, YoY)Bottom 35%
- FCF growth (TTM, YoY)Bottom 46%
- Revenue growth, 3-year CAGRTop 49%
- Revenue growth accelerationTop 50%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 40%
- Gross marginTop 48%
- Operating marginTop 40%
- Cash conversion (OCF / net income)Bottom 44%
- Accruals (lower is better)Bottom 38%
- Net debt / EBITDA (lower is better)Bottom 32%
- Interest coverBottom 42%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 21%
- Free-cash-flow yieldTop 43%
- EBITDA / enterprise valueTop 39%
- Sales / enterprise valueBottom 46%
- P/E vs own 5-year history (lower is better)Bottom 19%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 49%
- 6-month returnTop 30%
- 1-year return vs S&P 500Top 46%
- Distance from 52-week highTop 35%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 32%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyBottom 23%
- Upside to consensus price targetBottom 18%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 47%
- Maximum drawdown, 3 yearsTop 40%
- Beta vs S&P 500 (lower is better)Top 49%
- Net debt / EBITDA (lower is better)Bottom 32%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 3.4% | 3.2% | ↓ |
| EPS growth (YoY) | 13.3% | 7.5% | ↓ |
| Gross margin | 61.1% | 66.4% | ↑ |
| Operating margin | 21.8% | 25.3% | ↑ |
| FCF margin | 19.4% | 21.2% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 3.2% | 3.4% | ↓ | Bottom 37% |
| EPS growth (TTM, YoY) | 7.5% | 13.3% | ↓ | Bottom 35% |
| Gross margin | 66.4% | 61.1% | ↑ | Top 48% |
| Operating margin | 25.3% | 21.8% | ↑ | Top 40% |
| Net margin | 20.8% | 18.2% | ↑ | — |
| Free-cash-flow margin | 21.2% | 19.4% | ↑ | — |
| Return on invested capital | 0.8% | — | Bottom 40% | |
| Revenue growth, 3-year CAGR | 15.2% | — | Top 49% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.08×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.9%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 3.64×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 4.27%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 4.27%
- Share count change, 1 year
- +19.3%
- Share count change, 3-year CAGR
- +6.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- +1.1%
- Average 2-day reaction, last 8
- -1.0%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $16.00
- Target vs current price
- +4.3%
- Analysts with a rating
- 7
- Share rating Buy or Strong Buy
- 29%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +19.4% | +2.9% | +9.7% | +9.9% | — |
| Apr 22, 2026 | -2.7% | +1.6% | +4.9% | +1.6% | +6.9% |
| Jan 28, 2026 | -14.9% | -6.1% | -3.2% | -2.0% | +2.6% |
| Oct 22, 2025 | +2.4% | -4.7% | -2.9% | -7.7% | -2.9% |
| Jul 23, 2025 | +0.0% | -1.9% | +0.7% | +1.1% | +2.7% |
| Apr 16, 2025 | +14.7% | +2.7% | +9.9% | +12.6% | +17.3% |
| Jan 29, 2025 | +14.7% | +2.6% | +2.0% | +5.1% | -3.1% |
| Oct 23, 2024 | -34.3% | -5.1% | -7.1% | +1.7% | -9.5% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $0.41 | $0.34 | +19.4% | $70.4M |
| Apr 22, 2026 | $0.36 | $0.37 | -2.7% | $56.3M |
| Jan 28, 2026 | $0.40 | $0.47 | -14.9% | $49.1M |
| Oct 22, 2025 | $0.42 | $0.41 | +2.4% | $47.7M |
| Jul 23, 2025 | $0.37 | $0.37 | +0.0% | $47.0M |
| Apr 16, 2025 | $0.39 | $0.34 | +14.7% | $44.7M |
| Jan 29, 2025 | $0.39 | $0.34 | +14.7% | $44.2M |
| Oct 23, 2024 | $0.23 | $0.35 | -34.3% | $44.2M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.7× | 9.2× | 86th | Top 21% |
| P/E (forward) | 9.8× | — | — | — |
| EV / EBITDA | 12.2× | — | — | Top 39% |
| EV / Sales | 3.40× | — | — | Bottom 46% |
| Free-cash-flow yield | 8.89% | — | — | Top 43% |
| Earnings yield | 9.39% | — | — | Top 21% |
P/E over the past five years
Range 7.3× – 12.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +7.6%
- Earnings per share growth (TTM)
- +7.5%
- Change in P/E multiple
- +9.3%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 96
- 50-day average slope (20 days)
- +2.5%
- 200-day average slope (20 days)
- +1.3%
- Distance from 50-day average
- -2.3%
- Distance from 200-day average
- +7.9%
- RSI (14)
- 46.5
- Relative volume
- 0.88×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 20.0%
- Volatility vs own 5-year history
- 7th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.70
- Correlation with S&P 500
- 0.44
- Current drawdown from 1-year high
- -6.3%
- Maximum drawdown, 3 years
- -25.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | Oct 24, 2023 | -46.1% | 445 days | Not yet recovered |
| May 21, 2021 | Jul 8, 2021 | -18.2% | 32 days | 79 days (Oct 28, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $682.1M
- P/E (TTM)
- 10.7
- EPS, diluted (TTM)
- $1.44
- Revenue (TTM)
- $286.1M
- Dividend yield
- 4.50%
- 52-week range
- $12.12 – $16.46
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $154.7M | $177.9M | $255.2M | $269.4M | $271.8M |
| Gross profit | $141.3M | $158.9M | $170.5M | $162.1M | $173.4M |
| Operating income | $62.1M | $72.8M | $58.7M | $55.4M | $65.0M |
| Net income | $51.8M | $60.6M | $49.9M | $45.9M | $54.6M |
| EPS (diluted) | $1.77 | $1.79 | $1.33 | $1.22 | $1.45 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $70.3M | $69.3M | $67.8M | $69.8M | $70.8M | $69.7M | $72.8M | $72.8M |
| Net income | $8.5M | $14.4M | $13.6M | $13.9M | $12.5M | $14.6M | $16.3M | $16.3M |
| EPS (diluted) | $0.23 | $0.38 | $0.36 | $0.37 | $0.33 | $0.39 | $0.36 | $0.36 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $54.9M | $81.5M | $62.9M | $66.6M | $60.0M |
| Capital expenditure | -$1.4M | -$2.6M | -$3.9M | -$11.7M | -$7.9M |
| Free cash flow | $53.6M | $78.9M | $59.0M | $54.9M | $52.2M |
| Dividends paid | -$14.1M | -$22.0M | -$25.4M | -$25.4M | -$25.5M |
| Net share buybacks | -$164,000 | $0 | -$11.5M | -$880,000 | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $164.8M
- Total assets
- $7.14B
- Total liabilities
- $6.36B
- Total debt
- $455.4M
- Net debt
- $290.6M
- Shareholders’ equity
- $784.0M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 11, 2026 | $0.18 | Sep 30, 2026 |
| Jun 12, 2026 | $0.17 | Jun 30, 2026 |
| Feb 13, 2026 | $0.17 | Feb 27, 2026 |
| Dec 12, 2025 | $0.17 | Dec 31, 2025 |
| Sep 12, 2025 | $0.17 | Sep 30, 2025 |
| Jun 13, 2025 | $0.17 | Jun 30, 2025 |
| Mar 14, 2025 | $0.17 | Mar 31, 2025 |
| Dec 13, 2024 | $0.17 | Dec 31, 2024 |
Short interest
- Shares sold short
- 2,179,905
- Days to cover
- 6.73
- Change vs previous report
- +19.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Nov 9, 2004
- 51-for-50
- Nov 12, 2003
- 51-for-50
- Nov 13, 2002
- 51-for-50
- Nov 14, 2001
- 51-for-50
- Aug 18, 2000
- 51-for-50