Farmers National Banc Corp. logo FMNB - Farmers National Banc Corp.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 2
HOLD 5
SELL 0
STRONG
SELL
0
| PRICE TARGET: $16.00 DETAILS
HIGH: $18.00
LOW: $14.00
MEDIAN: $16.00
CONSENSUS: $16.00
UPSIDE: 13.15%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Revenue
Revenue 271.8 269.4 255.2 177.9 154.7 148.5 130.0 117.3 104.6 95.7 72.1 56.2 54.9 55.7 57.0 61.6 59.2 51.7 50.8 49.2 46.9 45.5 46.7 47.2 49.1 48.8 32.1 15.3 14.8 12.9 11.3
Cost of Revenue 98.4 107.3 84.7 19.0 13.4 25.2 22.1 16.3 10.2 8.2 7.6 6.5 6.4 6.9 11.5 19.1 22.6 21.4 22.5 20.4 15.9 13.7 14.8 18.4 22.1 22.4 13.4 13.6 13.0 11.4 10.0
Gross Profit 173.4 162.1 170.5 158.9 141.3 123.3 108.0 101 94.3 87.5 64.5 49.8 48.5 48.8 45.5 42.5 36.6 30.4 28.4 28.8 31.0 31.8 31.8 28.8 27.0 26.4 18.7 1.7 1.8 1.5 1.3
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 79.4 5.8 59.2 47.0 41.3 41.4 39.2 39.5 38.1 35.4 29.7 22.7 23.7 21.4 19.2 18.3 17.3 12.4 11.7 11.6 11.7 10.6 10.6 9.7 9.0 8.9 5.6 5.1 5.1 4.8 4.1
Other Expenses 29.0 100.9 52.6 39.1 37.9 31.6 25.7 23.2 23.1 24.1 24.2 15.4 15.4 14.3 14.6 12.6 12.4 11.3 9.5 8.0 8.5 11.5 7.8 7.9 7.8 9.2 5.1 (11.0) (10.2) (9.4) (8.0)
Operating Expenses 108.4 106.7 111.8 86.0 79.2 73.0 64.9 62.7 61.2 59.5 54.0 38.2 39.1 35.8 33.7 31.0 29.7 23.7 21.3 19.6 20.2 22.2 18.4 17.6 16.8 18.0 10.7 (5.8) (5.2) (4.6) (3.9)
Operating Income
Operating Income 65.0 55.4 58.7 72.8 62.1 50.3 43.1 38.3 33.2 28.0 10.6 11.6 9.5 13.0 11.8 11.5 6.9 6.7 7.1 9.2 10.8 9.7 13.5 11.3 10.2 8.4 8 7.5 6.9 6.1 5.2
Interest Expense 91.3 99.4 75.5 17.9 8.5 16.1 19.6 13.3 6.9 4.4 4.1 4.6 5.1 6.2 7.8 11.0 16.5 19.9 21.9 20.2 15.2 12.8 13.9 17.3 21.0 21.6 12.6 12.7 12.1 10.8 9.7
Interest Income 233.8 226.3 211.3 141.2 116.0 111.8 101.4 91.1 80.0 72.0 53.5 40.7 40.8 42.9 44.2 48.2 49.5 46.0 45.5 44.1 42.5 41.8 43.7 44.0 45.7 45.8 30.5 29.2 27.6 24.9 22.0
Profitability
EBITDA 65.0 61.8 66.0 77.7 65.7 53.4 45.9 41.3 36.3 31.7 13.3 13.6 11.4 14.7 13.4 13.2 8.4 7.7 8.5 11.1 12.7 12.6 17.5 14.2 10.2 11.5 10.2 8.0 7.3 6.5 5.6
EBIT 65.0 55.4 58.7 72.8 62.1 50.3 43.1 38.3 33.2 28.0 10.6 11.6 9.5 13.0 11.8 11.5 6.9 6.7 7.1 9.2 10.8 9.7 13.5 11.3 10.2 8.4 8 7.5 6.9 6.1 5.2
Income Before Tax 65.0 55.4 58.7 72.8 62.1 50.3 43.1 38.3 33.2 28.0 10.6 11.6 9.5 13.0 11.8 11.5 6.9 6.7 7.1 9.2 10.8 9.7 13.5 11.3 10.2 8.4 8 7.5 6.9 6.1 5.2
Income Tax Expense 10.5 9.5 8.8 12.2 10.3 8.4 7.3 5.7 10.4 7.5 2.5 2.6 1.7 3.1 2.5 2.5 1.1 1.0 1.2 2.0 2.7 2.5 4.0 3.3 2.9 2.6 2.5 2.4 2.2 1.9 1.6
Net Income 54.6 45.9 49.9 60.6 51.8 41.9 35.8 32.6 22.7 20.6 8.1 9.0 7.8 9.9 9.2 9.0 5.8 5.7 5.9 7.2 8.1 7.2 9.5 7.9 8.7 7.7 5.5 5.1 4.7 4.1 3.6
Per Share Data
EPS (Basic) 1.46 1.23 1.34 1.79 1.78 1.48 1.29 1.18 0.82 0.76 0.36 0.48 0.41 0.53 0.50 0.66 0.44 0.43 0.46 0.55 0.62 0.56 0.74 0.62 0.57 0.46 0.66 0.63 0.61 0.52 0.45
EPS (Diluted) 1.45 1.22 1.33 1.79 1.77 1.47 1.28 1.16 0.82 0.76 0.36 0.48 0.41 0.53 0.50 0.66 0.44 0.43 0.46 0.55 0.62 0.55 0.74 0.62 0.57 0.46 0.66 0.63 0.61 0.52 0.45
Shares Outstanding 37.6 37.3 37.3 33.8 29.2 28.3 27.7 27.7 27.6 27 22.7 18.7 18.8 18.8 18.3 13.6 13.4 13.1 13.0 13.1 13 12.8 12.9 12.9 15.1 8.3 8.3 8.1 7.8 7.9 7.9
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Current Assets
Cash & Cash Equivalents 20.5 20.4 28.9 21.4 29.1 20.5 23.2 18.0 17.8 19.7 25.7 23.8 29.6 30.9 31.2 23.9 23.4 23.7 22.7 19.2 19.0 29.4
Short-Term Investments 1,343.5 631.5 1,299.7 1,268.0 1,427.7 575.6 432.2 402.2 393.3 370.0 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets (1,271.6) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 92.4 651.9 1,328.6 1,289.4 1,456.8 596.1 455.5 420.2 410.7 389.7 25.7 23.8 29.6 30.9 31.2 23.9 23.4 23.7 22.7 19.2 19.0 29.4
Non-Current Assets
Property, Plant & Equipment 0 52.3 44.4 30.8 37.5 25.6 23.8 21.2 22.3 23.2 14.2 14.1 15.7 15.9 12.9 13.0 12.5 8.1 7.8 6.0 5.7 5.6
Goodwill 167.4 167.4 167.4 94.6 94.2 45.8 38.2 38.2 38.2 37.2 3.7 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 17.9 20.8 22.8 7.0 8.4 3.8 4.4 5.8 7.2 8.0 3.8 0 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 29.3 3,940.0 3,220.6 2,425.6 2,336.7 2,082.2 1,807.6 1,730.6 1,570.9 1,417.1 911.4 818.1 761.4 757.6 694.0 572.6 572.4 394.8 364.8 338.3 309.1 275.7
Other Non-Current Assets 4,939.0 286.6 294.5 234.7 209.1 317.6 119.7 112.9 109.8 90.9 56.0 24.4 11.1 8.4 10.0 47.2 17.8 4.5 6.4 5.0 4.3 3.5
Total Non-Current Assets 5,153.5 4,467.0 3,749.8 2,792.8 2,685.9 2,475.0 1,993.7 1,908.6 1,748.3 1,576.4 989.1 856.6 788.2 781.9 716.9 632.8 602.7 407.4 378.9 349.3 319.1 284.8
Total Assets 5,245.9 5,118.9 5,078.4 4,082.2 4,142.7 3,071.1 2,449.2 2,328.7 2,159.1 1,966.1 1,014.8 880.4 817.8 812.8 748.1 656.7 626.1 431.1 401.6 368.4 338.1 314.2
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 281 305 355 95 0 2.5 77.0 244.8 289.6 198.5 125.9 105.4 112.9 81.9 74.1 74.3 82.7 30.4 0 0 17.8 10.6
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 1.4 4,266.8 4,177.4 3,561.8 3,547.2 2,610.9 2,009.0 1,799.7 1,604.7 1,524.8 777.6 648.0 622.2 627.9 588.3 503.6 468.3 331.4 321.5 305.8 283.8 268.0
Total Current Liabilities 282.4 4,571.8 4,532.4 3,656.8 3,547.2 2,613.4 2,086.0 2,044.5 1,894.3 1,723.2 903.5 753.4 735.2 709.9 662.4 577.9 551.0 361.8 321.5 305.8 301.6 278.6
Non-Current Liabilities
Long-Term Debt 86.7 86.2 88.7 88.2 87.8 76.4 45.1 6.0 7.0 15.0 27.2 46.5 1.3 21.0 0.8 0.1 1.0 14.3 29.9 19.8 0 0
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 4,392.4 55.0 52.9 44.9 35.3 31.3 18.7 16.0 15.7 14.6 3.5 3.4 2.7 1.8 3.9 2.9 3.3 3.1 2.9 1.9 1.7 1.7
Total Non-Current Liabilities 4,477.8 141.1 141.5 133.1 123.1 107.7 63.8 22.1 22.7 29.7 30.7 49.8 4.0 22.7 4.8 3.1 4.3 17.4 32.8 21.7 1.7 1.7
Total Liabilities 4,760.1 4,712.9 4,673.9 3,789.9 3,670.3 2,721.1 2,149.8 2,066.4 1,917.0 1,752.9 934.2 803.3 739.2 732.6 667.1 581.0 555.3 379.2 354.3 327.5 303.3 280.3
Stockholders' Equity
Common Stock 366.6 366.1 365.3 305.3 306.1 208.8 186.3 186.2 186.9 178.3 95.7 94.2 80.2 71.2 62.6 55.4 49.5 37.3 31.7 24.8 24.3 4.1
Retained Earnings 286.2 257.2 236.8 212.4 173.9 138.1 108.9 83.6 59.2 42.5 7.1 6.1 11.0 16.3 18.4 20.7 22.2 15.6 15.3 15.7 14.8 13.6
Accumulated Other Comprehensive Income (144.1) (193.3) (172.6) (210.5) 9.3 22.0 9.8 (190.2) (186.3) (181.1) 3.3 (91.9) 0.9 1.9 4.9 1.7 0.4 (0.9) 0.3 0 0 0
Total Stockholders' Equity 485.7 406.0 404.4 292.3 472.4 350.1 299.3 262.3 242.1 213.2 80.6 77.1 78.7 80.2 81.0 75.7 70.8 51.9 47.3 40.9 34.8 34.0
Total Liabilities & Equity 5,245.9 5,118.9 5,078.4 4,082.2 4,142.7 3,071.1 2,449.2 2,328.7 2,159.1 1,966.1 1,014.8 880.4 817.8 812.8 748.1 656.7 626.1 431.1 401.6 368.4 338.1 314.2
Debt Metrics
Total Debt 367.7 391.1 443.7 183.2 87.8 78.9 122.2 250.8 296.6 213.5 153.1 151.9 114.2 102.9 74.9 74.4 83.7 44.7 29.9 19.8 17.8 10.6
Net Debt 347.2 370.7 414.8 161.8 58.6 58.4 99.0 232.8 278.8 193.8 127.4 128.1 84.6 72.0 43.7 50.5 60.2 21 7.2 0.6 (1.2) (18.8)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Operating Activities
Net Income 54.6 45.9 49.9 60.6 51.8 41.9 35.8 32.6 22.7 20.6 8.1 7.2 9.5 7.9 7.3 5.7 5.5 5.1 4.7 4.1 3.6
Depreciation & Amortization 6.8 6.4 7.3 4.9 3.5 3.1 2.8 3.0 3.1 3.7 1.9 3.0 4.0 2.9 0 3.1 2.2 0.4 0.4 0.4 0.4
Stock-Based Compensation 2.5 2.6 2.6 1.8 1.2 1.4 1.4 1.7 2.4 0.9 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (10.8) 4.4 (3.2) 7.9 (8.1) (6.4) (4.5) (2.1) (2.1) (7.3) 0 0 0 0 0 0 0 0 0 0 0
Other Non-Cash Items 7.0 7.3 6.3 6.3 6.4 9.1 3.2 3.7 4.5 6.7 0.5 2.3 0.7 0.5 3.5 0.3 0.8 2.0 2.0 1.8 1.3
Operating Cash Flow 60.0 66.6 62.9 81.5 54.9 49.1 38.8 38.8 30.6 24.5 10.4 12.4 14.2 11.3 10.8 9.1 8.4 7.5 7.0 6.3 5.3
Investing Activities
Capital Expenditure (7.9) (11.7) (3.9) (2.6) (1.4) (3.7) (1.5) (0.5) (1.0) (0.8) (0.3) (0.8) (3.8) (0.8) (1.3) (0.7) (0.8) (1.6) (0.7) (0.5) (1.6)
Acquisitions 0 (0.6) (13.2) (1.0) 83.8 (2.2) 0 0 16.2 (1.1) 0 0 0 0 0 0 0 0 0 0 0
Purchases of Investments (151.8) (108.0) (2.6) (242.4) (851.1) (177.1) (85.0) (70.9) (114.6) (52.6) (65.5) (74.2) (121.8) (138.2) (50.9) (34.9) (27) (12.0) (10.5) (35.0) (18.7)
Sales/Maturities of Investments 134.8 111.3 146.0 118.3 111.1 121.5 70.3 53.3 97.6 71.4 77.3 67.0 74.2 34.9 36.7 26.0 32.5 19.3 17.6 14.3 20.5
Other Investing Activities (53.9) (86.2) (48.4) (77.8) 234.0 (98.5) (77.0) (161.2) (135.4) (132.3) (27.2) (3.9) (24.6) (16.2) 13.3 (20.8) (38.5) (35.9) (38.5) (14.5) (15.9)
Investing Cash Flow (78.8) (95.1) 77.9 (205.5) (423.6) (159.9) (93.1) (179.3) (137.1) (115.4) (15.8) (12.0) (76.0) (120.2) (2.3) (30.4) (33.8) (30.1) (32.2) (35.7) (15.7)
Financing Activities
Net Debt Issuance (24) (52.5) 185 95 0.0 (97.1) (128.6) (45.8) 83.0 (34.5) 2.3 11.3 27.4 0.5 (9.3) 26.5 10.6 13.8 3.1 (0.9) 27.7
Stock Repurchased 0 (0.9) (11.5) 0 (0.2) (14.2) (2.8) (1.2) 0 (0.2) (3.5) (4.3) 0 0 0 0 0 0 0 (4.3) 0
Dividends Paid (25.5) (25.4) (25.4) (22.0) (14.1) (12.7) (10.5) (8.3) (6.0) (4.3) (8.3) (9.0) (7.5) (6.9) (6.3) (4.1) (3.3) (2.8) (1.9) (1.1) (1.2)
Other Financing Activities 74.9 89.4 (260.8) 13.8 241.1 418.7 209.2 195.0 45.4 115.7 13.0 1.3 39.5 84.6 35.3 (9.2) 15.6 11.3 21.1 22.8 (3.1)
Financing Cash Flow 25.4 10.6 (112.8) 86.8 226.8 294.7 67.2 140.9 122.4 76.7 3.4 (0.7) 59.8 79.2 22.2 15.0 26.3 26.1 25.3 19.0 25.3
Cash Position
Net Change in Cash 6.6 (17.9) 28.1 (37.2) (141.8) 183.9 12.8 0.3 15.8 (14.2) (2.0) (0.2) (1.9) (29.7) 30.7 (6.3) 1 3.5 0.2 (10.4) 14.9
Cash at Beginning 85.7 103.7 75.6 112.8 254.6 70.8 57.9 57.6 41.8 56.0 33.6 33.8 35.7 65.4 34.7 41.0 22.7 19.2 19.0 29.4 14.5
Cash at End 92.4 85.7 103.7 75.6 112.8 254.6 70.8 57.9 57.6 41.8 31.6 33.6 33.8 35.7 65.4 34.7 23.7 22.7 19.2 19.0 29.4
Free Cash Flow 52.2 54.9 59.0 78.9 53.6 45.4 37.3 38.3 29.6 23.5 10.2 11.6 10.4 10.5 9.5 8.4 7.6 5.9 6.3 5.7 3.7
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Income Statement
Revenue 271.8 269.4 255.2 177.9 154.7 148.5 130.0 117.3 104.6 95.7 72.1 56.2 54.9 55.7 57.0 61.6 59.2 51.7 50.8 49.2 46.9 45.5 46.7 47.2 49.1 48.8 32.1 15.3 14.8 12.9 11.3
Gross Profit 173.4 162.1 170.5 158.9 141.3 123.3 108.0 101 94.3 87.5 64.5 49.8 48.5 48.8 45.5 42.5 36.6 30.4 28.4 28.8 31.0 31.8 31.8 28.8 27.0 26.4 18.7 1.7 1.8 1.5 1.3
Operating Income 65.0 55.4 58.7 72.8 62.1 50.3 43.1 38.3 33.2 28.0 10.6 11.6 9.5 13.0 11.8 11.5 6.9 6.7 7.1 9.2 10.8 9.7 13.5 11.3 10.2 8.4 8 7.5 6.9 6.1 5.2
Net Income 54.6 45.9 49.9 60.6 51.8 41.9 35.8 32.6 22.7 20.6 8.1 9.0 7.8 9.9 9.2 9.0 5.8 5.7 5.9 7.2 8.1 7.2 9.5 7.9 8.7 7.7 5.5 5.1 4.7 4.1 3.6
EPS (Diluted) 1.45 1.22 1.33 1.79 1.77 1.47 1.28 1.16 0.82 0.76 0.36 0.48 0.41 0.53 0.50 0.66 0.44 0.43 0.46 0.55 0.62 0.55 0.74 0.62 0.57 0.46 0.66 0.63 0.61 0.52 0.45
Balance Sheet
Cash & Equivalents 20.5 20.4 28.9 21.4 29.1 20.5 23.2 18.0 17.8 19.7 25.7 23.8 29.6 30.9 31.2 23.9 23.4 23.7 22.7 19.2 19.0 29.4
Total Assets 5,245.9 5,118.9 5,078.4 4,082.2 4,142.7 3,071.1 2,449.2 2,328.7 2,159.1 1,966.1 1,014.8 880.4 817.8 812.8 748.1 656.7 626.1 431.1 401.6 368.4 338.1 314.2
Total Debt 367.7 391.1 443.7 183.2 87.8 78.9 122.2 250.8 296.6 213.5 153.1 151.9 114.2 102.9 74.9 74.4 83.7 44.7 29.9 19.8 17.8 10.6
Stockholders' Equity 485.7 406.0 404.4 292.3 472.4 350.1 299.3 262.3 242.1 213.2 80.6 77.1 78.7 80.2 81.0 75.7 70.8 51.9 47.3 40.9 34.8 34.0
Cash Flow
Operating Cash Flow 60.0 66.6 62.9 81.5 54.9 49.1 38.8 38.8 30.6 24.5 10.4 12.4 14.2 11.3 10.8 9.1 8.4 7.5 7.0 6.3 5.3
Capital Expenditure (7.9) (11.7) (3.9) (2.6) (1.4) (3.7) (1.5) (0.5) (1.0) (0.8) (0.3) (0.8) (3.8) (0.8) (1.3) (0.7) (0.8) (1.6) (0.7) (0.5) (1.6)
Free Cash Flow 52.2 54.9 59.0 78.9 53.6 45.4 37.3 38.3 29.6 23.5 10.2 11.6 10.4 10.5 9.5 8.4 7.6 5.9 6.3 5.7 3.7