Farmers National Banc Corp. Common Stock (FMNB)

FairStock Score: 57/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the 2026-10-26 close of $15.65, FairStock calculates a P/E of 10.57 and P/B of 1.18. For a regional bank earning about 10.87% on equity, that is a fair-to-modest price, not a bargain that screams opportunity. The business is understandable: deposits, commercial and retail loans, plus trust and insurance fees. Its moat is local relationships, not a wide durable advantage; banking is competitive and rate-sensitive. The record is mixed. In FY2025, revenue was $279.9 million, net income $54.6 million, and diluted EPS $1.45, up from FY2024 net income of $45.9 million and EPS of $1.22, but FY2023 was $49.9 million and EPS $1.33, so the long-term trend is lumpy and FairStock's Lynch category is SLOW GROWER with 5.4% annual profit growth over five years. Recent filing data are stronger: in fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $100.5 million, net income $23.0 million, and diluted EPS $0.39; in fiscal Q1 2026, revenue was $80.8 million, net income $16.3 million, and diluted EPS $0.36. That deserves watching to see if it is sustainable. The 4.61% dividend yield and beta of 0.80 are supportive, and a Piotroski F-score of 5/9 is middling. But I cannot assess CET1, NIM, nonperforming assets, or reserve coverage from this data. Without those bank-specific measures, I treat the 10.57 P/E and 1.18 P/B as fair, needing consistent earnings and clean credit to justify more.

In plain English: Farmers National Banc Corp. is a regional bank that takes deposits, makes loans, and offers trust and insurance services. The business looks reasonably profitable but not fast-growing, and recent profit has improved while long-term growth has been uneven. At $15.65, the shares look moderately priced compared with its profits and net worth, not clearly cheap or expensive.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer