Farmers National Financials

FMNB Stock  USD 14.08  0.01  0.07%   
Farmers National Banc is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in March. At present, Farmers National's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Short and Long Term Debt Total is expected to grow to about 535.7 M, whereas Total Current Liabilities is forecasted to decline to about 255.6 M. Key indicators impacting Farmers National's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.540.34
Way Up
Pretty Stable
Return On Assets0.01140.0113
Slightly Up
Slightly volatile
Return On Equity0.080.11
Way Down
Slightly volatile
Debt Equity Ratio0.70.99
Way Down
Very volatile
Operating Income96.1 M91.5 M
Sufficiently Up
Slightly volatile
Current Ratio0.250.26
Sufficiently Down
Pretty Stable
The financial analysis of Farmers National is a critical element in measuring its lifeblood. Investors should not minimize Farmers National's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

60.29 Million

  
Understanding current and past Farmers National Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Farmers National's financial statements are interrelated, with each one affecting the others. For example, an increase in Farmers National's assets may result in an increase in income on the income statement.
Please note, the presentation of Farmers National's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Farmers National's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Farmers National's management manipulating its earnings.

Farmers National Stock Summary

Farmers National competes with First Business, Old Point, Parke Bancorp, Independent Bank, and ST Bancorp. Farmers National Banc Corp., a financial holding company, operates in the banking, trust, retirement consulting, insurance, and financial management industries. The company was founded in 1887 and is based in Canfield, Ohio. Farmers Natl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 550 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS3096271073
CUSIP309627107
LocationOhio; U.S.A
Business Address20 South Broad
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.farmersbankgroup.com
Phone330 533 3341
CurrencyUSD - US Dollar

Farmers National Key Financial Ratios

Farmers National Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets3.1B4.1B4.1B5.1B5.8B6.1B
Net Debt(175.7M)(25.0M)107.7M414.8M477.0M500.8M
Retained Earnings138.1M173.9M212.4M236.8M272.3M285.9M
Cash254.6M112.8M75.6M28.9M33.2M47.9M
Other Assets1.6B1.0B1.4B425K488.8K464.3K
Total Liab2.7B87.8M3.8B4.7B5.4B5.6B
Total Current Assets830.2M1.5B1.3B103.7M119.2M113.2M
Short Term Debt2.5M833K95M355M408.3M428.7M
Common Stock208.8M306.1M305.3M365.3M420.1M441.1M
Other Liab13.6M31.3M35.3M30.7M35.3M37.0M
Accounts Payable2.0B2.6B3.5B3.6B4.1B4.3B
Long Term Debt76.4M87.8M88.2M1.1B1.3B1.3B
Treasury Stock(5.7M)(18.8M)(16.9M)(14.9M)(17.2M)(18.0M)
Good Will45.8M94.2M94.6M167.4M192.6M202.2M
Other Current Assets254.6M125.3M75.6M103.7M93.3M88.6M
Intangible Assets3.8M8.4M7.0M22.8M26.3M27.6M
Other Current Liab(2.5M)2.9B(95M)671.6M604.5M820.0M
Net Tangible Assets256.7M300.5M472.4M190.6M219.2M219.9M
Long Term Debt Total45.1M76.4M87.8M88.2M101.4M106.5M
Short Long Term Debt2.5M0.095M355M319.5M335.5M

Farmers National Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense16.1M8.5M17.9M75.5M86.9M91.2M
Total Revenue123.3M141.3M158.9M213.3M170.5M179.0M
Gross Profit123.3M141.3M158.9M213.3M170.5M179.0M
Operating Income50.3M62.1M93.7M58.7M91.5M96.1M
Ebit50.6M62.5M72.8M58.7M67.5M34.7M
Ebitda53.4M65.7M77.7M58.7M66.0M37.1M
Income Before Tax50.3M62.1M72.8M58.7M67.5M70.9M
Net Income41.9M51.8M60.6M49.9M57.4M60.3M
Income Tax Expense8.4M10.3M12.2M8.8M10.1M10.6M
Tax Provision8.4M10.3M12.2M8.8M10.1M8.9M
Net Interest Income96.2M108.0M124.2M135.8M156.2M99.5M
Interest Income112.3M116.5M142.1M211.3M243.1M255.2M

Farmers National Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash183.9M(141.8M)(37.2M)28.1M32.3M33.9M
Free Cash Flow46.3M53.6M78.2M58.4M67.2M70.5M
Depreciation3.1M3.5M4.9M7.3M8.4M8.8M
Other Non Cash Items9.3M7.0M6.3M(2.2M)6.3M4.4M
Dividends Paid12.7M14.1M22.0M25.4M(25.4M)(24.1M)
Capital Expenditures3.7M1.4M5.5M3.9M4.5M4.7M
Net Income41.9M51.8M60.6M49.9M57.4M60.3M
End Period Cash Flow254.6M112.8M75.6M103.7M119.2M125.2M
Investments(141.5M)(508.9M)(201.0M)77.9M70.1M73.6M
Net Borrowings(128.6M)(97.1M)2K95M85.5M89.8M
Change To Netincome1.7M7.6M1.5M3.5M4.1M3.0M

Farmers Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Farmers National's current stock value. Our valuation model uses many indicators to compare Farmers National value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Farmers National competition to find correlations between indicators driving Farmers National's intrinsic value. More Info.
Farmers National Banc is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.07  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Farmers National Banc is roughly  13.57 . At present, Farmers National's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Farmers National's earnings, one of the primary drivers of an investment's value.

Farmers National Banc Systematic Risk

Farmers National's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Farmers National volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty with a total number of output elements of thirty-one. The Beta measures systematic risk based on how returns on Farmers National Banc correlated with the market. If Beta is less than 0 Farmers National generally moves in the opposite direction as compared to the market. If Farmers National Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Farmers National Banc is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Farmers National is generally in the same direction as the market. If Beta > 1 Farmers National moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Farmers National Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Farmers National's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Farmers National growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.37)

At present, Farmers National's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

Farmers National January 30, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Farmers National help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Farmers National Banc. We use our internally-developed statistical techniques to arrive at the intrinsic value of Farmers National Banc based on widely used predictive technical indicators. In general, we focus on analyzing Farmers Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Farmers National's daily price indicators and compare them against related drivers.

Complementary Tools for Farmers Stock analysis

When running Farmers National's price analysis, check to measure Farmers National's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Farmers National is operating at the current time. Most of Farmers National's value examination focuses on studying past and present price action to predict the probability of Farmers National's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Farmers National's price. Additionally, you may evaluate how the addition of Farmers National to your portfolios can decrease your overall portfolio volatility.
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