# Farmers National Banc Corp. (FMNB) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $16.07, market value $952 million.

## Valuation
- **P/E (trailing): 10.9×** (5-yr avg 8.9×, 3-yr avg 9.8×). Farmers National Banc Corp. trades at 10.9× trailing earnings, well above its own five-year average of 8.9×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.1×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.48**. A PEG of 0.48 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 2.9×**. Each dollar of revenue is priced at 2.9×.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 6.4%** (5-yr avg 13.2%). Free cash flow equals 6.4% of the market value, below its five-year average of 13.2%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 9.2%**. The inverse of the P/E: 9.2% of the price is earned each year.

## Profitability
- **Net margin: 19.5%**. 19.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 11.2%**. 11.2% on shareholders' equity is solid.
- **Return on assets: 1.3%**. Each dollar of assets produces 1.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 3.9%** (3-yr 14.5%/yr). Revenue grew 3.9% over the last year.
- **EPS growth (1 yr): 18.9%** (3-yr -6.8%/yr, 5-yr -0.3%/yr). Earnings per share rose 18.9%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -12.9%/yr**. Free cash flow has compounded at -12.9% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 4.48%** ($0.68 per share, trailing). Farmers National Banc Corp. yields 4.48%, an income-level yield.
- **Payout ratio: 47%** (48% of free cash flow). 47% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 12**. 12 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 9.1%/yr** (1-yr 0.0%). The dividend has grown 9.1% a year over five years.

## Price and momentum
- **Total return (1 yr): 10.1%** (YTD 23.6%, 3-mo 14.6%). The shares are up 10.1% over twelve months including dividends.
- **From 52-week high: -2.4%** (32.6% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 60**. An RSI of 60 is neutral.
- **Beta (1 yr): 0.52** (volatility 23%). Beta of 0.52 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=FMNB · Page: https://foliofundamentals.com/stocks/fmnb

Not investment advice.