Farmers National Banc Corp Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Farmers National Banc Corp's revenue grew 5.6% year-over-year to $269.4M, a solid pace of expansion. This earns a growth score of 45/100.
Farmers National Banc Corp carries a low D/E ratio of 0.21, meaning only $0.21 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.
Farmers National Banc Corp converts 20.4% of revenue into free cash flow ($54.9M). This strong cash generation earns a score of 100/100.
Farmers National Banc Corp's ROE of 11.3% shows moderate profitability relative to equity, earning a score of 45/100. This is down from 12.3% the prior year.
Farmers National Banc Corp passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Farmers National Banc Corp generates $1.45 in operating cash flow ($66.6M OCF vs $45.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
This page shows Farmers National Banc Corp (FMNB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Farmers National Banc Corp generated $269.4M in revenue in fiscal year 2024. This represents an increase of 5.6% from the prior year.
Farmers National Banc Corp generated $54.9M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 7.0% from the prior year.
Farmers National Banc Corp reported $45.9M in net income in fiscal year 2024. This represents a decrease of 8.0% from the prior year.
Farmers National Banc Corp earned $1.22 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 8.3% from the prior year.
Farmers National Banc Corp had 38M shares outstanding in fiscal year 2024. This represents an increase of 0.2% from the prior year.
Farmers National Banc Corp's net profit margin was 17.1% in fiscal year 2024, showing the share of revenue converted to profit. This is down 2.5 percentage points from the prior year.
Farmers National Banc Corp's ROE was 11.3% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 1.0 percentage points from the prior year.
Farmers National Banc Corp spent $0 on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.
Farmers National Banc Corp invested $11.7M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 201.3% from the prior year.
FMNB Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $70.8M+1.4% | $69.8M+3.0% | $67.8M-2.2% | $69.3M+4.3% | $66.5M+4.8% | $63.4M-34.6% | $96.9M+78.7% | $54.2M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $23.1M+1.2% | $22.8M-1.4% | $23.1M-8.2% | $25.2M+1.6% | $24.8M+6.0% | $23.4M+5.1% | $22.2M+8.7% | $20.5M |
| Income Tax | $2.2M-9.6% | $2.4M-13.2% | $2.8M-15.7% | $3.3M+38.7% | $2.4M+7.2% | $2.2M-29.7% | $3.2M+35.5% | $2.3M |
| Net Income | $12.5M-10.4% | $13.9M+2.4% | $13.6M-5.6% | $14.4M+22.1% | $11.8M+4.8% | $11.2M-22.9% | $14.6M+9.5% | $13.3M |
| EPS (Diluted) | $0.33-10.8% | $0.37+2.8% | $0.36-5.3% | $0.38+22.6% | $0.31+3.3% | $0.30-21.1% | $0.38+5.6% | $0.36 |
FMNB Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $5.2B+1.1% | $5.2B+0.4% | $5.2B+0.7% | $5.1B-0.7% | $5.2B+1.5% | $5.1B0.0% | $5.1B+2.2% | $5.0B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $167.4M0.0% | $167.4M0.0% | $167.4M0.0% | $167.4M0.0% | $167.4M0.0% | $167.4M0.0% | $167.4M-0.3% | $167.9M |
| Total Liabilities | $4.8B+0.6% | $4.7B+0.3% | $4.7B+0.3% | $4.7B-1.0% | $4.8B+1.6% | $4.7B+0.2% | $4.7B+0.4% | $4.7B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $86.6M+0.2% | $86.4M+0.2% | $86.3M+0.1% | $86.2M-3.1% | $88.9M+0.1% | $88.8M+0.1% | $88.7M+0.1% | $88.5M |
| Total Equity | $465.9M+6.4% | $437.7M+2.0% | $429.1M+5.7% | $406.0M+2.4% | $396.7M-0.1% | $397.0M-1.8% | $404.4M+28.0% | $316.0M |
| Retained Earnings | $277.9M+2.2% | $271.9M+2.8% | $264.4M+2.8% | $257.2M+4.1% | $247.0M+2.2% | $241.6M+2.1% | $236.8M+3.6% | $228.6M |
FMNB Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $10.7M-23.6% | $14.0M-10.5% | $15.7M+26.1% | $12.4M-25.1% | $16.6M+21.0% | $13.7M-5.3% | $14.5M-19.6% | $18.0M |
| Capital Expenditures | $1.7M+5.4% | $1.6M-54.4% | $3.5M-21.3% | $4.4M+99.9% | $2.2M+43.3% | $1.6M | N/A | N/A |
| Free Cash Flow | $9.0M-27.3% | $12.4M+2.1% | $12.2M+52.5% | $8.0M-44.5% | $14.4M+18.2% | $12.2M | N/A | N/A |
| Investing Cash Flow | -$38.6M+16.3% | -$46.2M-722.3% | $7.4M+121.6% | -$34.4M+26.1% | -$46.5M-269.6% | $27.4M+248.0% | -$18.5M-173.3% | $25.3M |
| Financing Cash Flow | $29.5M+206.9% | $9.6M+117.2% | $4.4M+105.4% | -$81.5M-230.9% | $62.2M+1517.7% | $3.8M-72.1% | $13.8M+121.1% | -$65.4M |
| Dividends Paid | $6.4M0.0% | $6.4M+0.6% | $6.4M+0.2% | $6.3M-0.6% | $6.4M+0.7% | $6.3M+0.1% | $6.3M0.0% | $6.3M |
| Share Buybacks | N/A | N/A | N/A | $0 | $0 | $0 | $0 | $0 |
FMNB Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 17.6%-2.3pp | 19.9%-0.1pp | 20.0%-0.7pp | 20.8%+3.0pp | 17.7%0.0pp | 17.7%+2.7pp | 15.0%-9.5pp | 24.6% |
| Return on Equity | 2.7%-0.5pp | 3.2%+0.0pp | 3.2%-0.4pp | 3.5%+0.6pp | 3.0%+0.1pp | 2.8%-0.8pp | 3.6%-0.6pp | 4.2% |
| Return on Assets | 0.2%-0.0pp | 0.3%+0.0pp | 0.3%-0.0pp | 0.3%+0.1pp | 0.2%0.0pp | 0.2%-0.1pp | 0.3%+0.0pp | 0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.19-0.0 | 0.200.0 | 0.20-0.0 | 0.21-0.0 | 0.220.0 | 0.220.0 | 0.22-0.1 | 0.28 |
| FCF Margin | 12.8%-5.0pp | 17.8%-0.2pp | 18.0%+6.5pp | 11.5%-10.1pp | 21.6%+2.4pp | 19.2% | N/A | N/A |
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Frequently Asked Questions
What is Farmers National Banc Corp's annual revenue?
Farmers National Banc Corp (FMNB) reported $269.4M in total revenue for fiscal year 2024. This represents a 5.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Farmers National Banc Corp's revenue growing?
Farmers National Banc Corp (FMNB) revenue grew by 5.6% year-over-year, from $255.2M to $269.4M in fiscal year 2024.
Is Farmers National Banc Corp profitable?
Yes, Farmers National Banc Corp (FMNB) reported a net income of $45.9M in fiscal year 2024, with a net profit margin of 17.1%.
What is Farmers National Banc Corp's earnings per share (EPS)?
Farmers National Banc Corp (FMNB) reported diluted earnings per share of $1.22 for fiscal year 2024. This represents a -8.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Farmers National Banc Corp's net profit margin?
Farmers National Banc Corp (FMNB) had a net profit margin of 17.1% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is Farmers National Banc Corp's return on equity (ROE)?
Farmers National Banc Corp (FMNB) has a return on equity of 11.3% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Farmers National Banc Corp's free cash flow?
Farmers National Banc Corp (FMNB) generated $54.9M in free cash flow during fiscal year 2024. This represents a -7.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Farmers National Banc Corp's operating cash flow?
Farmers National Banc Corp (FMNB) generated $66.6M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Farmers National Banc Corp's total assets?
Farmers National Banc Corp (FMNB) had $5.1B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Farmers National Banc Corp's capital expenditures?
Farmers National Banc Corp (FMNB) invested $11.7M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
How many shares does Farmers National Banc Corp have outstanding?
Farmers National Banc Corp (FMNB) had 38M shares outstanding as of fiscal year 2024.
What is Farmers National Banc Corp's debt-to-equity ratio?
Farmers National Banc Corp (FMNB) had a debt-to-equity ratio of 0.21 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Farmers National Banc Corp's return on assets (ROA)?
Farmers National Banc Corp (FMNB) had a return on assets of 0.9% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Farmers National Banc Corp's Piotroski F-Score?
Farmers National Banc Corp (FMNB) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Farmers National Banc Corp's earnings high quality?
Farmers National Banc Corp (FMNB) has an earnings quality ratio of 1.45x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Farmers National Banc Corp?
Farmers National Banc Corp (FMNB) scores 72 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.