What is Farmers National Banc Corp's earnings per share (EPS)?

Farmers National Banc Corp (FMNB) reported diluted earnings per share of $1.45 for fiscal year 2025. This represents a 18.9% 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.

Farmers National Banc Corp Financials

FMNB

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Farmers National Banc Corp (FMNB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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).

Financial Health Signals

Financial Profile 61/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Farmers National Banc Corp's revenue grew a modest 3.9% year-over-year to $279.9M. This slow but positive growth earns a score of 40/100.

Leverage

Farmers National Banc Corp carries a low D/E ratio of 0.18, meaning only $0.18 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 98/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Farmers National Banc Corp converts 18.6% of revenue into free cash flow ($52.2M). This strong cash generation earns a score of 72/100.

Returns

Farmers National Banc Corp's ROE of 11.2% shows moderate profitability relative to equity, earning a score of 36/100. This is down from 11.3% the prior year.

Piotroski F-Score Neutral

6/9

Farmers National Banc Corp passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.10x

For every $1 of reported earnings, Farmers National Banc Corp generates $1.10 in operating cash flow ($60.0M OCF vs $54.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$279.9M

YoY+3.9%

5Y CAGR+20.0%

10Y CAGR+17.9%

Farmers National Banc Corp generated $279.9M in revenue in fiscal year 2025. This represents an increase of 3.9% from the prior year.

EBITDA

N/A

Net Income

$54.6M

YoY+18.8%

5Y CAGR+5.4%

10Y CAGR+21.1%

Farmers National Banc Corp reported $54.6M in net income in fiscal year 2025. This represents an increase of 18.8% from the prior year.

EPS (Diluted)

$1.45

YoY+18.9%

5Y CAGR-0.3%

10Y CAGR+14.9%

Farmers National Banc Corp earned $1.45 per diluted share (EPS) in fiscal year 2025. This represents an increase of 18.9% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$52.2M

YoY-5.0%

5Y CAGR+2.8%

10Y CAGR+26.4%

Farmers National Banc Corp generated $52.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 5.0% from the prior year.

Cash & Debt

N/A

Dividends Per Share

$0.68

YoY+0.0%

Farmers National Banc Corp paid $0.68 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

38M

YoY+0.2%

5Y CAGR+5.9%

Farmers National Banc Corp had 38M shares outstanding in fiscal year 2025. This represents an increase of 0.2% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

19.5%

YoY+2.4pp

5Y CAGR-17.8pp

10Y CAGR+4.5pp

Farmers National Banc Corp's net profit margin was 19.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.4 percentage points from the prior year.

Return on Equity

11.2%

YoY-0.1pp

5Y CAGR-0.7pp

10Y CAGR+7.2pp

Farmers National Banc Corp's ROE was 11.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.1 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

Farmers National Banc Corp spent $0 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$7.9M

YoY-32.8%

5Y CAGR+16.3%

10Y CAGR+19.7%

Farmers National Banc Corp invested $7.9M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 32.8% from the prior year.

FMNB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$279.9M+3.9%	$269.4M+5.6%	$255.2M+37.0%	$186.3M+60.0%	$116.5M+3.7%	$112.3M
Cost of Revenue	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
R&D Expenses	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
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$91.3M-8.1%	$99.4M+31.5%	$75.5M+321.6%	$17.9M+111.6%	$8.5M-47.5%	$16.1M
Income Tax	$10.5M+10.4%	$9.5M+8.1%	$8.8M-28.4%	$12.2M+19.2%	$10.3M+22.3%	$8.4M
Net Income	$54.6M+18.8%	$45.9M-8.0%	$49.9M-17.6%	$60.6M+16.9%	$51.8M+23.8%	$41.9M
EPS (Diluted)	$1.45+18.9%	$1.22-8.3%	$1.33-25.7%	$1.79+1.1%	$1.77+20.4%	$1.47

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$71.5M+1.0%	$70.8M+1.4%	$69.8M+3.0%	$67.8M-2.2%	$69.3M-1.3%	$70.3M+5.7%	$66.5M+4.8%	$63.4M
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	$22.4M-2.9%	$23.1M+1.2%	$22.8M-1.4%	$23.1M-8.2%	$25.2M-3.4%	$26.0M+5.1%	$24.8M+6.0%	$23.4M
Income Tax	$3.1M+42.1%	$2.2M-9.6%	$2.4M-13.2%	$2.8M-15.7%	$3.3M+106.0%	$1.6M-32.7%	$2.4M+7.2%	$2.2M
Net Income	$14.6M+17.5%	$12.5M-10.4%	$13.9M+2.4%	$13.6M-5.6%	$14.4M+68.6%	$8.5M-27.6%	$11.8M+4.8%	$11.2M
EPS (Diluted)	N/A	$0.33-10.8%	$0.37+2.8%	$0.36	N/A	$0.23-25.8%	$0.31+3.3%	$0.30

FMNB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$5.2B+2.5%	$5.1B+0.8%	$5.1B+24.4%	$4.1B-1.5%	$4.1B+34.9%	$3.1B
Current Assets	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
Inventory	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
Goodwill	$167.4M0.0%	$167.4M0.0%	$167.4M+76.9%	$94.6M+0.4%	$94.2M+105.9%	$45.8M
Total Liabilities	$4.8B+1.0%	$4.7B+0.8%	$4.7B+23.3%	$3.8B+3.3%	$3.7B+34.9%	$2.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$86.7M+0.7%	$86.2M-2.8%	$88.7M+0.5%	$88.2M+0.5%	$87.8M+14.9%	$76.4M
Total Equity	$485.7M+19.6%	$406.0M+0.4%	$404.4M+38.4%	$292.3M-38.1%	$472.4M+34.9%	$350.1M
Retained Earnings	$286.2M+11.3%	$257.2M+8.6%	$236.8M+11.5%	$212.4M+22.1%	$173.9M+25.9%	$138.1M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$5.2B+0.2%	$5.2B+1.1%	$5.2B+0.4%	$5.2B+0.7%	$5.1B-2.2%	$5.2B+1.5%	$5.2B+1.5%	$5.1B
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%	$167.4M0.0%	$167.4M
Total Liabilities	$4.8B-0.2%	$4.8B+0.6%	$4.7B+0.3%	$4.7B+0.3%	$4.7B-1.7%	$4.8B+0.8%	$4.8B+1.6%	$4.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$86.7M+0.2%	$86.6M+0.2%	$86.4M+0.2%	$86.3M+0.1%	$86.2M+0.1%	$86.0M-3.2%	$88.9M+0.1%	$88.8M
Total Equity	$485.7M+4.2%	$465.9M+6.4%	$437.7M+2.0%	$429.1M+5.7%	$406.0M-7.7%	$439.7M+10.8%	$396.7M-0.1%	$397.0M
Retained Earnings	$286.2M+3.0%	$277.9M+2.2%	$271.9M+2.8%	$264.4M+2.8%	$257.2M+3.2%	$249.2M+0.9%	$247.0M+2.2%	$241.6M

FMNB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$60.0M-9.9%	$66.6M+5.9%	$62.9M-22.8%	$81.5M+48.4%	$54.9M+12.0%	$49.1M
Capital Expenditures	$7.9M-32.8%	$11.7M+201.3%	$3.9M+51.6%	$2.6M+86.1%	$1.4M-62.8%	$3.7M
Free Cash Flow	$52.2M-5.0%	$54.9M-7.0%	$59.0M-25.2%	$78.9M+47.4%	$53.6M+18.0%	$45.4M
Investing Cash Flow	-$78.8M+17.1%	-$95.1M-222.1%	$77.9M+137.9%	-$205.5M+51.5%	-$423.6M-164.9%	-$159.9M
Financing Cash Flow	$25.4M+140.1%	$10.6M+109.4%	-$112.8M-230.0%	$86.8M-61.8%	$226.8M-23.0%	$294.7M
Dividends Paid	$25.5M+0.3%	$25.4M0.0%	$25.4M+15.4%	$22.0M+56.4%	$14.1M+11.2%	$12.7M
Share Buybacks	$0	$0-100.0%	$11.5M	$0-100.0%	$164K-98.8%	$14.2M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$19.6M+83.4%	$10.7M-23.6%	$14.0M-10.5%	$15.7M+26.1%	$12.4M-48.0%	$23.9M+43.9%	$16.6M+21.0%	$13.7M
Capital Expenditures	$1.1M-35.2%	$1.7M+5.4%	$1.6M-54.4%	$3.5M-21.3%	$4.4M+28.3%	$3.5M+55.8%	$2.2M+43.3%	$1.6M
Free Cash Flow	$18.6M+105.4%	$9.0M-27.3%	$12.4M+2.1%	$12.2M+52.5%	$8.0M-60.9%	$20.4M+42.1%	$14.4M+18.2%	$12.2M
Investing Cash Flow	-$1.5M+96.2%	-$38.6M+16.3%	-$46.2M-722.3%	$7.4M+121.6%	-$34.4M+17.6%	-$41.7M+10.3%	-$46.5M-269.6%	$27.4M
Financing Cash Flow	-$18.2M-161.5%	$29.5M+206.9%	$9.6M+117.2%	$4.4M+105.4%	-$81.5M-413.8%	$26.0M-58.3%	$62.2M+1517.7%	$3.8M
Dividends Paid	$6.4M-0.5%	$6.4M0.0%	$6.4M+0.6%	$6.4M+0.2%	$6.3M-0.6%	$6.4M0.0%	$6.4M+0.7%	$6.3M
Share Buybacks	N/A	N/A	N/A	N/A	$0	$0	$0	$0

FMNB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	19.5%+2.4pp	17.1%-2.5pp	19.6%-13.0pp	32.5%-12.0pp	44.5%+7.2pp	37.3%
Return on Equity	11.2%-0.1pp	11.3%-1.0pp	12.3%-8.4pp	20.7%+9.8pp	11.0%-1.0pp	12.0%
Return on Assets	1.0%+0.1pp	0.9%-0.1pp	1.0%-0.5pp	1.5%+0.2pp	1.3%-0.1pp	1.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.18-0.0	0.210.0	0.22-0.1	0.30+0.1	0.19-0.0	0.22
FCF Margin	18.6%-1.7pp	20.4%-2.8pp	23.1%-19.2pp	42.4%-3.6pp	46.0%+5.6pp	40.4%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
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	20.5%+2.9pp	17.6%-2.3pp	19.9%-0.1pp	20.0%-0.7pp	20.8%+8.6pp	12.2%-5.6pp	17.7%0.0pp	17.7%
Return on Equity	3.0%+0.3pp	2.7%-0.5pp	3.2%+0.0pp	3.2%-0.4pp	3.5%+1.6pp	1.9%-1.0pp	3.0%+0.1pp	2.8%
Return on Assets	0.3%+0.0pp	0.2%-0.0pp	0.3%+0.0pp	0.3%-0.0pp	0.3%+0.1pp	0.2%-0.1pp	0.2%0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.180.0	0.19-0.0	0.200.0	0.20-0.0	0.21+0.0	0.20-0.0	0.220.0	0.22
FCF Margin	25.9%+13.2pp	12.8%-5.0pp	17.8%-0.2pp	18.0%+6.5pp	11.5%-17.6pp	29.1%+7.4pp	21.6%+2.4pp	19.2%

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Frequently Asked Questions

What is Farmers National Banc Corp's annual revenue?

Farmers National Banc Corp (FMNB) reported $279.9M in total revenue for fiscal year 2025. This represents a 3.9% 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 3.9% year-over-year, from $269.4M to $279.9M in fiscal year 2025.

Is Farmers National Banc Corp profitable?

Yes, Farmers National Banc Corp (FMNB) reported a net income of $54.6M in fiscal year 2025, with a net profit margin of 19.5%.

What is Farmers National Banc Corp's net profit margin?

Farmers National Banc Corp (FMNB) had a net profit margin of 19.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Farmers National Banc Corp pay dividends?

Yes, Farmers National Banc Corp (FMNB) paid $0.68 per share in dividends during fiscal year 2025.

What is Farmers National Banc Corp's return on equity (ROE)?

Farmers National Banc Corp (FMNB) has a return on equity of 11.2% for fiscal year 2025, 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 $52.2M in free cash flow during fiscal year 2025. This represents a -5.0% 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 $60.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Farmers National Banc Corp's total assets?

Farmers National Banc Corp (FMNB) had $5.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Farmers National Banc Corp's capital expenditures?

Farmers National Banc Corp (FMNB) invested $7.9M in capital expenditures during fiscal year 2025, 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 2025.

What is Farmers National Banc Corp's debt-to-equity ratio?

Farmers National Banc Corp (FMNB) had a debt-to-equity ratio of 0.18 as of fiscal year 2025, 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 1.0% for fiscal year 2025, 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 6 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 1.10x, 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 61 out of 100 on our Financial Profile, indicating moderate 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.