Farmers National Banc Corp Financials
Farmers National Banc Corp (FMNB) reported $279.9M in revenue for fiscal year 2025, up 3.9% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Funding-cost swings and capital rebuilding are shaping earnings more than simple balance-sheet growth at Farmers National Banc.
In FY2025, profit recovered without much balance-sheet growth: assets rose only2.5% , yet net income reached$54.6M , implying the rebound came from better economics on existing assets rather than from getting materially bigger. At the same time, ROA improved to1.04% while debt-to-equity fell to 0.2x, so earnings efficiency strengthened even as the equity cushion thickened.
The clearest operating pressure over the last three years was funding cost: interest expense climbed from
Cash conversion remains respectable, because FY2025 operating cash flow of
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Farmers National Banc Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for Farmers National Banc Corp, and counted as zero in the overall score.
Farmers National Banc Corp passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
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
Earnings & Revenue
Farmers National Banc Corp generated $279.9M in revenue in fiscal year 2025. This represents an increase of 3.9% from the prior year.
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.
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.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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.
Farmers National Banc Corp carried $86.7M in long-term debt as of fiscal year 2025; cash and equivalents are not reported for that period.
Farmers National Banc Corp paid $0.68 per share in dividends in fiscal year 2025. That is unchanged from the prior year.
Margins & Returns
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.
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Farmers National Banc Corp repurchased no shares in fiscal year 2025.
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.
Not reported for fiscal year 2025.
FMNB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $323.6M | $279.9M+3.9% | $269.4M+5.6% | $255.2M+37.0% | $186.3M+60.0% | $116.5M+3.7% | $112.3M+10.1% | $102.0M+11.1% | $91.8M+14.0% | $80.5M+11.1% | $72.5M+34.7% | $53.8M+31.6% | $40.9M-0.1% | $41.0M-5.0% | $43.1M-3.0% | $44.4M |
| SG&A Expenses | $71.2M | $62.3M+5.7% | $58.9M+2.7% | $57.4M+27.5% | $45.0M+14.3% | $39.4M-1.1% | $39.8M+7.1% | $37.2M+3.3% | $36.0M+3.5% | $34.8M+8.9% | $31.9M+19.8% | $26.6M+27.6% | $20.9M-5.3% | $22.1M+11.7% | $19.7M+12.8% | $17.5M |
| Interest Expense | $100.1M | $91.3M-8.1% | $99.4M+31.5% | $75.5M+321.6% | $17.9M+111.6% | $8.5M-47.5% | $16.1M-17.7% | $19.6M+47.8% | $13.3M+92.8% | $6.9M+57.2% | $4.4M+7.0% | $4.1M-10.7% | $4.6M-9.6% | $5.1M-18.5% | $6.2M-20.7% | $7.8M |
| Income Tax | $13.1M | $10.5M+10.4% | $9.5M+8.1% | $8.8M-28.4% | $12.2M+19.2% | $10.3M+22.3% | $8.4M+14.8% | $7.3M+28.0% | $5.7M-45.3% | $10.4M+39.6% | $7.5M+199.5% | $2.5M-5.1% | $2.6M+56.4% | $1.7M-44.9% | $3.1M+20.3% | $2.5M |
| Net Income | $66.4M | $54.6M+18.8% | $45.9M-8.0% | $49.9M-17.6% | $60.6M+16.9% | $51.8M+23.8% | $41.9M+17.1% | $35.8M+9.8% | $32.6M+43.4% | $22.7M+10.5% | $20.6M+155.2% | $8.1M-10.2% | $9.0M+15.2% | $7.8M-21.7% | $9.9M+7.7% | $9.2M |
| EPS (Diluted) | — | $1.45+18.9% | $1.22-8.3% | $1.33-25.7% | $1.79+1.1% | $1.77+20.4% | $1.47+14.8% | $1.28+10.3% | $1.16+41.5% | $0.82+7.9% | $0.76+111.1% | $0.36-25.0% | $0.48+17.1% | $0.41-22.6% | $0.53+6.0% | $0.50 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
FMNB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $5.2B+2.5% | $5.1B+0.8% | $5.1B+24.4% | $4.1B-1.5% | $4.1B+34.9% | $3.1B+25.4% | $2.4B+5.2% | $2.3B+7.9% | $2.2B+9.8% | $2.0B+5.1% | $1.9B+64.5% | $1.1B0.0% | $1.1B-0.2% | $1.1B+6.7% | $1.1B |
| Cash & Equivalents | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $37.8M-28.0% | $52.4M |
| Goodwill | $167.4M0.0% | $167.4M0.0% | $167.4M+76.9% | $94.6M+0.4% | $94.2M+105.9% | $45.8M+19.8% | $38.2M0.0% | $38.2M0.0% | $38.2M+2.8% | $37.2M+5.9% | $35.1M+527.6% | $5.6M-12.0% | $6.4M+71.3% | $3.7M0.0% | $3.7M |
| Total Liabilities | $4.8B+1.0% | $4.7B+0.8% | $4.7B+23.3% | $3.8B+3.3% | $3.7B+34.9% | $2.7B+26.6% | $2.1B+4.0% | $2.1B+7.8% | $1.9B+9.4% | $1.8B+4.8% | $1.7B+65.0% | $1.0B-1.1% | $1.0B+0.5% | $1.0B+6.9% | $953.4M |
| 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+69.2% | $45.1M+648.3% | $6.0M-13.7% | $7.0M-53.5% | $15.0M-32.1% | $22.2M+20.5% | $18.4M-7.3% | $19.8M+90.2% | $10.4M-7.5% | $11.3M |
| Total Equity | $485.7M+19.6% | $406.0M+0.4% | $404.4M+38.4% | $292.3M-38.1% | $472.4M+34.9% | $350.1M+17.0% | $299.3M+14.1% | $262.3M+8.4% | $242.1M+13.5% | $213.2M+7.7% | $198.0M+60.3% | $123.6M+9.3% | $113.0M-6.4% | $120.8M+5.5% | $114.4M |
| Retained Earnings | $286.2M+11.3% | $257.2M+8.6% | $236.8M+11.5% | $212.4M+22.1% | $173.9M+25.9% | $138.1M+26.8% | $108.9M+30.2% | $83.6M+41.2% | $59.2M+39.2% | $42.5M+61.7% | $26.3M+25.6% | $20.9M+47.3% | $14.2M+63.7% | $8.7M+307.1% | $2.1M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
FMNB Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $64.5M | $60.0M-9.9% | $66.6M+5.9% | $62.9M-22.8% | $81.5M+48.4% | $54.9M+12.0% | $49.1M+26.6% | $38.8M0.0% | $38.8M+26.8% | $30.6M+24.8% | $24.5M+287.4% | $6.3M-48.4% | $12.3M-14.0% | $14.3M+29.9% | $11.0M-21.6% | $14.0M |
| Capital Expenditures | $3.8M | $7.9M-32.8% | $11.7M+201.3% | $3.9M+51.6% | $2.6M+86.1% | $1.4M-62.8% | $3.7M+153.5% | $1.5M+224.0% | $450K-52.9% | $956K+21.3% | $788K-39.3% | $1.3M+33.6% | $972K+352.1% | $215K-93.3% | $3.2M-10.8% | $3.6M |
| Free Cash Flow | $60.6M | $52.2M-5.0% | $54.9M-7.0% | $59.0M-25.2% | $78.9M+47.4% | $53.6M+18.0% | $45.4M+21.6% | $37.3M-2.6% | $38.3M+29.4% | $29.6M+24.9% | $23.7M+371.9% | $5.0M-55.5% | $11.3M-19.6% | $14.0M+80.6% | $7.8M-25.3% | $10.4M |
| Investing Cash Flow | $77.8M | -$78.8M+17.1% | -$95.1M-222.1% | $77.9M+137.9% | -$205.5M+51.5% | -$423.6M-164.9% | -$159.9M-71.7% | -$93.1M+48.1% | -$179.3M-30.8% | -$137.1M-18.8% | -$115.4M | N/A | N/A | -$28.0M+66.0% | -$82.3M-19.3% | -$69.0M |
| Financing Cash Flow | -$68.3M | $25.4M+140.1% | $10.6M+109.4% | -$112.8M-230.0% | $86.8M-61.8% | $226.8M-23.0% | $294.7M+338.4% | $67.2M-52.3% | $140.9M+15.1% | $122.4M+59.6% | $76.7M | N/A | N/A | $3.5M-93.9% | $56.7M-19.2% | $70.1M |
| Dividends Paid | $29.2M | $25.5M+0.3% | $25.4M0.0% | $25.4M+15.4% | $22.0M+56.4% | $14.1M+11.2% | $12.7M+20.1% | $10.5M+26.7% | $8.3M+38.3% | $6.0M+39.0% | $4.3M+61.2% | $2.7M+20.0% | $2.2M-0.5% | $2.2M-33.5% | $3.4M+50.9% | $2.2M |
| Share Buybacks | N/A | $0 | $0-100.0% | $11.5M | $0-100.0% | $164K-98.8% | $14.2M+401.0% | $2.8M | $0 | $0-100.0% | $168K-21.1% | $213K-92.6% | $2.9M+79.5% | $1.6M+3723.8% | $42K | $0 |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
FMNB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 19.5%+2.4pp | 17.1%-2.5pp | 19.6%-13.0pp | 32.5%-12.0pp | 44.5%+7.2pp | 37.3%+2.2pp | 35.1%-0.4pp | 35.5%+7.3pp | 28.2%-0.2pp | 28.4%+13.4pp | 15.0%-6.9pp | 21.9%+2.9pp | 19.0%-4.0pp | 23.0%+2.3pp | 20.8% |
| 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%0.0pp | 11.9%-0.5pp | 12.4%+3.0pp | 9.4%-0.3pp | 9.6%+5.6pp | 4.1%-3.2pp | 7.3%+0.4pp | 6.9%-1.3pp | 8.2%+0.2pp | 8.1% |
| 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%-0.1pp | 1.5%+0.1pp | 1.4%+0.3pp | 1.1%0.0pp | 1.1%+0.6pp | 0.4%-0.4pp | 0.8%+0.1pp | 0.7%-0.2pp | 0.9%0.0pp | 0.9% |
| Debt-to-Equity | 0.180.0x | 0.210.0x | 0.22-0.1x | 0.30+0.1x | 0.190.0x | 0.22+0.1x | 0.15+0.1x | 0.020.0x | 0.030.0x | 0.070.0x | 0.110.0x | 0.150.0x | 0.18+0.1x | 0.090.0x | 0.10 |
| FCF Margin | 18.6%-1.7pp | 20.4%-2.8pp | 23.1%-19.2pp | 42.4%-3.6pp | 46.0%+5.6pp | 40.4%+3.8pp | 36.6%-5.2pp | 41.8%+5.0pp | 36.8%+4.1pp | 32.7%+23.4pp | 9.3%-18.2pp | 27.6%-6.7pp | 34.3%+16.2pp | 18.0%-5.4pp | 23.4% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Where Farmers National Banc Corp Ranks
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.
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 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 41 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.