Farmers National Banc Corp. Logo

Farmers National Banc Corp.

FMNB

(2.5)
Stock Price

15,31 USD

1.02% ROA

13.45% ROE

10.39x PER

Market Cap.

532.453.337,00 USD

124.91% DER

4.8% Yield

21.15% NPM

Farmers National Banc Corp. Stock Analysis

Farmers National Banc Corp. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Farmers National Banc Corp. Fundamental Stock Analysis
# Analysis Rating
1 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

2 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

3 ROE

The stock's ROE falls within an average range (14.43%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.98%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 PBV

The stock's PBV ratio (1.47x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 DER

The stock maintains a fair debt to equity ratio (73%), indicating a reasonable balance between the money it owes and the ownership it possesses.

7 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (44), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

10 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

Farmers National Banc Corp. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Farmers National Banc Corp. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Farmers National Banc Corp. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Farmers National Banc Corp. Revenue
Year Revenue Growth
1995 1.612.389
1996 2.133.149 24.41%
1997 2.623.000 18.68%
1998 2.538.000 -3.35%
1999 19.500.000 86.98%
2000 27.284.000 28.53%
2001 28.102.000 2.91%
2002 29.914.000 6.06%
2003 32.717.000 8.57%
2004 29.537.000 -10.77%
2005 31.631.000 6.62%
2006 29.033.000 -8.95%
2007 28.926.000 -0.37%
2008 31.796.000 9.03%
2009 42.690.000 25.52%
2010 50.577.000 15.59%
2011 49.147.000 -2.91%
2012 48.751.000 -0.81%
2013 48.520.000 -0.48%
2014 49.759.000 2.49%
2015 64.533.000 22.89%
2016 87.494.000 26.24%
2017 94.347.000 7.26%
2018 101.000.000 6.59%
2019 107.970.000 6.46%
2020 123.252.000 12.4%
2021 141.290.000 12.77%
2022 158.871.000 11.07%
2023 174.396.000 8.9%
2023 255.196.000 31.66%
2024 265.808.000 3.99%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Farmers National Banc Corp. Research and Development Expenses
Year Research and Development Expenses Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Farmers National Banc Corp. General and Administrative Expenses
Year General and Administrative Expenses Growth
1995 4.127.380
1996 4.778.702 13.63%
1997 5.059.000 5.54%
1998 5.143.000 1.63%
1999 5.600.000 8.16%
2000 8.870.000 36.87%
2001 9.002.000 1.47%
2002 9.661.000 6.82%
2003 10.595.000 8.82%
2004 10.646.000 0.48%
2005 11.694.000 8.96%
2006 11.585.000 -0.94%
2007 11.732.000 1.25%
2008 11.626.000 -0.91%
2009 16.688.000 30.33%
2010 17.712.000 5.78%
2011 19.343.000 8.43%
2012 20.456.000 5.44%
2013 22.773.000 10.17%
2014 21.611.000 -5.38%
2015 27.575.000 21.63%
2016 32.963.000 16.35%
2017 36.601.000 9.94%
2018 37.936.000 3.52%
2019 38.451.000 1.34%
2020 41.463.000 7.26%
2021 43.173.000 3.96%
2022 48.964.000 11.83%
2023 63.524.000 22.92%
2023 57.374.000 -10.72%
2024 58.232.000 1.47%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Farmers National Banc Corp. EBITDA
Year EBITDA Growth
1995 15.293.111
1996 17.212.122 11.15%
1997 19.469.000 11.59%
1998 20.693.000 5.92%
1999 22.800.000 9.24%
2000 34.961.000 34.78%
2001 32.576.000 -7.32%
2002 31.491.000 -3.45%
2003 31.394.000 -0.31%
2004 25.417.000 -23.52%
2005 27.923.000 8.97%
2006 31.310.000 10.82%
2007 30.391.000 -3.02%
2008 27.949.000 -8.74%
2009 24.988.000 -11.85%
2010 24.244.000 -3.07%
2011 21.242.000 -14.13%
2012 20.937.000 -1.46%
2013 16.471.000 -27.11%
2014 18.157.000 9.29%
2015 17.395.000 -4.38%
2016 36.087.000 51.8%
2017 42.800.000 15.68%
2018 54.539.000 21.52%
2019 45.914.000 -18.79%
2020 53.394.000 14.01%
2021 63.476.000 15.88%
2022 95.654.000 33.64%
2023 65.460.000 -46.13%
2023 58.698.000 -11.52%
2024 -7.260.000 908.51%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Farmers National Banc Corp. Gross Profit
Year Gross Profit Growth
1995 1.612.389
1996 2.133.149 24.41%
1997 2.623.000 18.68%
1998 2.538.000 -3.35%
1999 19.500.000 86.98%
2000 27.284.000 28.53%
2001 28.102.000 2.91%
2002 29.914.000 6.06%
2003 32.717.000 8.57%
2004 29.537.000 -10.77%
2005 31.631.000 6.62%
2006 29.033.000 -8.95%
2007 28.926.000 -0.37%
2008 31.796.000 9.03%
2009 42.690.000 25.52%
2010 50.577.000 15.59%
2011 49.147.000 -2.91%
2012 48.751.000 -0.81%
2013 48.520.000 -0.48%
2014 49.759.000 2.49%
2015 64.533.000 22.89%
2016 87.494.000 26.24%
2017 94.347.000 7.26%
2018 101.000.000 6.59%
2019 107.970.000 6.46%
2020 123.252.000 12.4%
2021 141.290.000 12.77%
2022 158.871.000 11.07%
2023 157.504.000 -0.87%
2023 213.335.000 26.17%
2024 226.888.500 5.97%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Farmers National Banc Corp. Net Profit
Year Net Profit Growth
1995 3.576.229
1996 4.131.415 13.44%
1997 4.742.000 12.88%
1998 5.115.000 7.29%
1999 5.500.000 7%
2000 7.657.000 28.17%
2001 8.659.000 11.57%
2002 7.934.000 -9.14%
2003 9.515.000 16.62%
2004 7.181.000 -32.5%
2005 8.060.000 10.91%
2006 7.215.000 -11.71%
2007 5.925.000 -21.77%
2008 5.665.000 -4.59%
2009 5.842.000 3.03%
2010 8.991.000 35.02%
2011 9.218.000 2.46%
2012 9.932.000 7.19%
2013 7.780.000 -27.66%
2014 8.965.000 13.22%
2015 8.055.000 -11.3%
2016 20.557.000 60.82%
2017 22.711.000 9.48%
2018 32.569.000 30.27%
2019 35.760.000 8.92%
2020 41.876.000 14.61%
2021 51.844.000 19.23%
2022 60.597.000 14.44%
2023 53.256.000 -13.78%
2023 49.932.000 -6.66%
2024 47.132.000 -5.94%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Farmers National Banc Corp. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1995 1
1996 1 0%
1997 1 0%
1998 1 0%
1999 1 0%
2000 0 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 2 0%
2022 2 0%
2023 1 0%
2023 1 0%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Farmers National Banc Corp. Free Cashflow
Year Free Cashflow Growth
1995 3.680.638
1996 5.742.576 35.91%
1997 6.297.000 8.8%
1998 5.946.000 -5.9%
1999 7.600.000 21.76%
2000 8.412.000 9.65%
2001 9.471.000 11.18%
2002 10.521.000 9.98%
2003 10.413.000 -1.04%
2004 11.773.000 11.55%
2005 10.158.000 -15.9%
2006 10.128.000 -0.3%
2007 5.538.000 -82.88%
2008 7.354.000 24.69%
2009 4.425.000 -66.19%
2010 19.092.000 76.82%
2011 10.409.000 -83.42%
2012 7.772.000 -33.93%
2013 14.037.000 44.63%
2014 11.280.000 -24.44%
2015 5.024.000 -124.52%
2016 23.507.000 78.63%
2017 29.610.000 20.61%
2018 39.539.000 25.11%
2019 37.303.000 -5.99%
2020 46.312.000 19.45%
2021 53.558.000 13.53%
2022 78.180.000 31.49%
2023 185.000 -42159.46%
2023 58.426.000 99.68%
2024 14.560.000 -301.28%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Farmers National Banc Corp. Operating Cashflow
Year Operating Cashflow Growth
1995 5.263.411
1996 6.288.553 16.3%
1997 7.042.000 10.7%
1998 7.502.000 6.13%
1999 8.400.000 10.69%
2000 9.109.000 7.78%
2001 10.780.000 15.5%
2002 11.321.000 4.78%
2003 14.239.000 20.49%
2004 12.565.000 -13.32%
2005 10.637.000 -18.13%
2006 10.609.000 -0.26%
2007 6.211.000 -70.81%
2008 7.853.000 20.91%
2009 5.415.000 -45.02%
2010 19.875.000 72.75%
2011 13.994.000 -42.03%
2012 10.970.000 -27.57%
2013 14.252.000 23.03%
2014 12.252.000 -16.32%
2015 6.323.000 -93.77%
2016 24.295.000 73.97%
2017 30.566.000 20.52%
2018 39.989.000 23.56%
2019 38.761.000 -3.17%
2020 50.008.000 22.49%
2021 54.933.000 8.97%
2022 83.685.000 34.36%
2023 185.000 -45135.14%
2023 62.306.000 99.7%
2024 16.785.000 -271.2%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Farmers National Banc Corp. Capital Expenditure
Year Capital Expenditure Growth
1995 1.582.773
1996 545.977 -189.9%
1997 745.000 26.71%
1998 1.556.000 52.12%
1999 800.000 -94.5%
2000 697.000 -14.78%
2001 1.309.000 46.75%
2002 800.000 -63.63%
2003 3.826.000 79.09%
2004 792.000 -383.08%
2005 479.000 -65.34%
2006 481.000 0.42%
2007 673.000 28.53%
2008 499.000 -34.87%
2009 990.000 49.6%
2010 783.000 -26.44%
2011 3.585.000 78.16%
2012 3.198.000 -12.1%
2013 215.000 -1387.44%
2014 972.000 77.88%
2015 1.299.000 25.17%
2016 788.000 -64.85%
2017 956.000 17.57%
2018 450.000 -112.44%
2019 1.458.000 69.14%
2020 3.696.000 60.55%
2021 1.375.000 -168.8%
2022 5.505.000 75.02%
2023 0 0%
2023 3.880.000 100%
2024 2.225.000 -74.38%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Farmers National Banc Corp. Equity
Year Equity Growth
1995 33.976.265
1996 34.808.989 2.39%
1997 40.923.000 14.94%
1998 47.274.000 13.43%
1999 51.900.000 8.91%
2000 70.833.000 26.73%
2001 75.718.000 6.45%
2002 80.952.000 6.47%
2003 80.214.000 -0.92%
2004 78.654.000 -1.98%
2005 75.864.000 -3.68%
2006 76.223.000 0.47%
2007 73.920.000 -3.12%
2008 77.102.000 4.13%
2009 80.628.000 4.37%
2010 88.048.000 8.43%
2011 114.445.000 23.07%
2012 120.792.000 5.25%
2013 113.007.000 -6.89%
2014 123.560.000 8.54%
2015 198.047.000 37.61%
2016 213.216.000 7.11%
2017 242.074.000 11.92%
2018 262.320.000 7.72%
2019 299.309.000 12.36%
2020 350.097.000 14.51%
2021 472.432.000 25.89%
2022 292.295.000 -61.63%
2023 404.415.000 27.72%
2023 315.982.000 -27.99%
2024 396.694.000 20.35%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Farmers National Banc Corp. Assets
Year Assets Growth
1995 314.228.772
1996 338.112.241 7.06%
1997 368.449.000 8.23%
1998 401.621.000 8.26%
1999 431.100.000 6.84%
2000 626.122.000 31.15%
2001 656.694.000 4.66%
2002 748.098.000 12.22%
2003 812.815.000 7.96%
2004 817.839.000 0.61%
2005 827.069.000 1.12%
2006 821.584.000 -0.67%
2007 798.236.000 -2.92%
2008 880.370.000 9.33%
2009 1.014.808.000 13.25%
2010 982.751.000 -3.26%
2011 1.067.871.000 7.97%
2012 1.139.695.000 6.3%
2013 1.137.326.000 -0.21%
2014 1.136.967.000 -0.03%
2015 1.869.902.000 39.2%
2016 1.966.113.000 4.89%
2017 2.159.069.000 8.94%
2018 2.328.730.000 7.29%
2019 2.449.158.000 4.92%
2020 3.071.148.000 20.25%
2021 4.142.749.000 25.87%
2022 4.082.200.000 -1.48%
2023 5.078.350.000 19.62%
2023 4.971.163.000 -2.16%
2024 5.156.853.000 3.6%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Farmers National Banc Corp. Liabilities
Year Liabilities Growth
1995 280.252.507
1996 303.303.252 7.6%
1997 327.526.000 7.4%
1998 354.347.000 7.57%
1999 379.200.000 6.55%
2000 555.289.000 31.71%
2001 580.976.000 4.42%
2002 667.146.000 12.92%
2003 732.601.000 8.93%
2004 739.185.000 0.89%
2005 751.205.000 1.6%
2006 745.361.000 -0.78%
2007 724.316.000 -2.91%
2008 803.268.000 9.83%
2009 934.180.000 14.01%
2010 894.703.000 -4.41%
2011 953.426.000 6.16%
2012 1.018.903.000 6.43%
2013 1.024.319.000 0.53%
2014 1.013.407.000 -1.08%
2015 1.671.855.000 39.38%
2016 1.752.897.000 4.62%
2017 1.916.995.000 8.56%
2018 2.066.410.000 7.23%
2019 2.149.849.000 3.88%
2020 2.721.051.000 20.99%
2021 87.758.000 -3000.63%
2022 3.789.905.000 97.68%
2023 4.673.935.000 18.91%
2023 4.655.181.000 -0.4%
2024 4.760.159.000 2.21%

Farmers National Banc Corp. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
6.45
Net Income per Share
1.36
Price to Earning Ratio
10.39x
Price To Sales Ratio
2.21x
POCF Ratio
8.42
PFCF Ratio
9.65
Price to Book Ratio
1.33
EV to Sales
4.21
EV Over EBITDA
33.48
EV to Operating CashFlow
16.12
EV to FreeCashFlow
18.36
Earnings Yield
0.1
FreeCashFlow Yield
0.1
Market Cap
0,53 Bil.
Enterprise Value
1,01 Bil.
Graham Number
18.06
Graham NetNet
-93.49

Income Statement Metrics

Net Income per Share
1.36
Income Quality
1.23
ROE
0.13
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.83
EBT Per Ebit
0.94
Ebit per Revenue
0.27
Effective Tax Rate
0.17

Margins

Sales, General, & Administrative to Revenue
0.26
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.86
Operating Profit Margin
0.27
Pretax Profit Margin
0.25
Net Profit Margin
0.21

Dividends

Dividend Yield
0.05
Dividend Yield %
4.8
Payout Ratio
0.5
Dividend Per Share
0.68

Operating Metrics

Operating Cashflow per Share
1.68
Free CashFlow per Share
1.48
Capex to Operating CashFlow
0.12
Capex to Revenue
0.03
Capex to Depreciation
1.21
Return on Invested Capital
0.06
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.21

Balance Sheet

Cash per Share
34,04
Book Value per Share
10,63
Tangible Book Value per Share
5.57
Shareholders Equity per Share
10.63
Interest Debt per Share
15.22
Debt to Equity
1.25
Debt to Assets
0.1
Net Debt to EBITDA
15.88
Current Ratio
0.13
Tangible Asset Value
0,21 Bil.
Net Current Asset Value
-4,58 Bil.
Invested Capital
-951223000
Working Capital
-1,19 Bil.
Intangibles to Total Assets
0.04
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.93

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Farmers National Banc Corp. Dividends
Year Dividends Growth
1999 1
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 1 0%
2023 1 0%
2024 1 0%

Farmers National Banc Corp. Profile

About Farmers National Banc Corp.

Farmers National Banc Corp., a financial holding company, operates in the banking, trust, retirement consulting, insurance, and financial management industries. It offers commercial and retail banking services, including checking, savings, and time deposit accounts; commercial, mortgage and installment, and home equity loans; home equity lines of credit, night depository, safe deposit box, money order, bank check, automated teller machine, Internet banking, travel card, E bond transaction, MasterCard and Visa credit cards, brokerage, and other services. The company also provides personal and corporate trust services in the areas of estate settlement, trust administration, and employee benefit plans; retirement services; property and casualty insurance products and services; and various insurance products through licensed representatives, as well as invests in municipal securities. It operates through 47 locations in northeastern region of Ohio and one location in southwestern Pennsylvania. The company was founded in 1887 and is based in Canfield, Ohio.

CEO
Mr. Kevin J. Helmick
Employee
666
Address
20 South Broad Street
Canfield, 44406

Farmers National Banc Corp. Executives & BODs

Farmers National Banc Corp. Executives & BODs
# Name Age
1 Mr. Michael Mudrak
Senior Vice President & Market President- Canton
70
2 Mr. William C. Shivers
Senior Vice President & Regional President
70
3 Mr. Bryan Sahli
Compliance Officer & Assistant Vice President
70
4 Mr. William Garvey
Senior Vice President & Wealth Management Team Leader
70
5 Mr. Thomas R. Stocksdale
Senior Vice President & Agricultural Lending Manager
70
6 Mr. Michael E. Matuszak
Executive Vice President & Chief Operating Officer of The Farmers National Bank of Canfield
70
7 Mr. Daniel A. Cvercko
Senior Vice President & Brokerage Manager
70
8 Mr. Kevin J. Helmick
President, Chief Executive Officer & Director
70
9 Mr. Alan Troy Adair
Senior Executive Vice President, Chief Financial Officer, Secretary & Treasurer
70
10 Eric Eddy
Vice President & Chief Audit Executive
70

Farmers National Banc Corp. Competitors