FARMERS NATIONAL BANC CORP /OH/ · Banks

FMNB

Moderate riskNext report: Due any day

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The short version

A profitable company with growing sales. Institutions are adding.

Going well

Sales up 44% in the latest quarter vs a year ago
Pays a 4.4% dividend yield
Profitable every year for 10 years

Money moves

No insider buying or selling in the last 30 days
Institutions added 11% to their holdings in the quarter ending June 2026 (110 bought, 64 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$15.63-0.3% that day

Company value: $926M; Share price times all shares
Price vs profit (P/E): 10.6x; You pay about $11 for each $1 of yearly profit
Price vs sales: 2.9x; Company value is 2.9 times a year of sales
Dividend yield: 4.4%; Yearly dividend as a share of today's price
Debt vs value: 9%; Debt as a share of company value

From FMNB's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$100.5M+44% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $323.6M, up 17% from the 12 months before.

What the price assumes

Your guesses, our math

Move the sliders to your own view of FMNB. Starting points are the company's recent numbers.

Sales growth+17% a yearRecently: +17% a yearProfit margin21%Last 12 months: 20.5%P/E at the end11xToday: 10.6x. Many steady companies trade at 12x to 25xShare count change+4% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$710M

Profit in 5 years$149M

Price these guesses point to$22.74+45% vs $15.63 todayAbout +7.8% a year, before dividends

What today's price needs: with a 21% margin and a 11x P/E, sales would have to grow about 8.5% a year for 5 years just to match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

4/6Mixed

MissReturn on equity 15%+Earns a lot on the money owners have in the business.12.2%
PassDebt under half of equityNot relying on borrowed money.0.18x equity
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.19.5%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$52.2M
MissShare count not growingNot diluting owners. Falling means buybacks.+10.9% in 3 years

Revenue: $279.9M; +3.9% vs prior year
Total debt: $86.7M; 0.18x equity
Free cash flow: $52.2M; 18.6% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.