Farmers National Banc Corp.

NASDAQ•FMNB

CEO: Mr. Kevin J. Helmick

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 1999-01-04

Farmers National Banc Corp. operates as a bank holding company for The Farmers National Bank of Canfield engages in the banking, trust, retirement consulting, insurance, and financial management businesses. It offers commercial and retail banking services, including checking, savings, and time deposit accounts; commercial, mortgage and installment, and home equity loans; home equity lines of credit, night depository, safe deposit box, money order, bank check, automated teller machine, Internet banking, travel card, E bond transaction, brokerage, and other services. The company also provides personal and corporate trust services in the areas of estate settlement, trust administration, employee benefit plans, and retirement services; property and casualty insurance products and services; and various insurance products through licensed representatives, as well as invests in municipal securities. The company was founded in 1887 and is headquartered in Canfield, Ohio.

Contact Information

20 South Broad Street, Canfield, OH, 44406, United States

330-533-3341

www.farmersbankgroup.com

Market Cap

$473.10M

P/E (TTM)

8.7

14.2

Dividend Yield

5.4%

52W High

$15.50

52W Low

$11.58

52W Range

25%

Rank38Top 36.9%

4.3

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 4.3 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$69.67M+0.50%

4-Quarter Trend

EPS

$0.39+2.63%

4-Quarter Trend

FCF

$11.05M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Rises Strongly Net income reached $54.6M in 2025, up from $45.9M in 2024; diluted EPS improved to $1.45 per share.

NIM Expands Significantly Tax-equivalent NIM increased to 2.95% in 2025 from 2.69% in 2024, driven by higher asset yields and lower funding costs.

Strong Capital Adequacy Maintained Consolidated CET1 capital ratio stood at 12.02% in 2025, well above the 4.5% minimum requirement under Basel III.

Middlefield Merger Completed Merger with Middlefield Banc Corp. completed March 2, 2026, expanding presence in Ohio and Pennsylvania markets.

Risk Factors

Credit Quality Shows Strain Nonperforming loans ratio rose to 0.79% in 2025 from 0.70% in 2024, driven by specific commercial real estate credits.

Regional Economic Sensitivity Business heavily depends on Ohio/Pennsylvania economic conditions; inflation or recession could significantly impact borrower repayment ability.

Merger Integration Challenges Integrating Middlefield business practices, systems, and personnel is complex, costly, and may divert management attention.

Deposit Stability and Funding Reliance on deposits; inability to raise funds or severe market disruption could impair liquidity access and increase funding costs.

Outlook

Future NIM Pressure Expected Recent Federal Reserve rate cuts aim for stability, but future interest rate changes will influence net interest margin performance.

Credit Loss Provisioning ACL methodology relies on macroeconomic forecasts; adverse economic shifts could require higher provisions for expected lifetime losses.

Profitable Growth Strategy Intends to pursue profitable growth in existing and new markets, contingent on effective management of expansion stages.

Adapting to Technology Change Future success depends on effectively implementing new technology, including fintech, while managing associated operational risks.

Peer Comparison

Revenue (TTM)

MSBI

$455.97M

-23.1%

TCBX

$366.95M

+8.5%

SHBI

$342.72M

+5.0%

Gross Margin (Latest Quarter)

NRIM

82.9%

+5.0pp

ACNB

77.1%

-3.2pp

BHB

72.3%

+4.0pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
SMBC	$687.88M	10.6	11.8%	2.9%
ALRS	$601.25M	34.5	3.2%	8.4%
SHBI	$595.00M	10.0	10.4%	1.8%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

0.9%

Moderate Growth

4Q Net Income CAGR

2.5%

Profitability Slowly Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 14, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data