Stocks › FMNB
Farmers National FMNB
US equityMarket cap rank #3279
$15.42 −$0.10 (-0.64%)
Market closed · Nov 6, 8:10 pm ET · Last extended-hours $15.42 0.00%
Open$15.45
Prev close$15.52
Day range$15.37 – $15.60
Volume306.6K
Market cap$913.62M
P/E (TTM)11.2
Dividend yield4.47%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$65.87M+38.0% YoY
Net profit$14.54M+16.6% YoY
Diluted EPS$0.25-24.2% YoY
Free cash flow$25.96M+108.9% YoY
Operating cash flow$26.53M
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin28.3%
Return on equity11.6%
Return on assets1.1%
Liabilities / assets89.9%
Cash & investments$111.92M
Total debt$521.65M
Net cash (debt)-$409.73M
Where the revenue comes from
Quarter 2026/Q2
By business line
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Operating Revenue | $65.87M | $70.45M | $56.26M | $188.57M | $49.12M |
| Net Interest Income | $57.94M | $55.34M | $41.81M | $140.51M | $36.55M |
| -Interest Income | $88.52M | $85.40M | $66.36M | $231.86M | $58.95M |
| -Interest Expense | $30.58M | $30.06M | $24.55M | $91.35M | $22.40M |
| Non-Interest Income | $7.93M | $15.11M | $14.45M | $48.06M | $12.57M |
| -Total Premiums Earned | $1.12M | $1.40M | $1.49M | $3.39M | $891,000.00 |
| -Fees and Commissions | $11.76M | $11.77M | $10.94M | $39.45M | $10.25M |
| -Other Non-Interest Income | $5.00M | $826,000.00 | $898,000.00 | $3.86M | $523,000.00 |
| -Gain Loss on Sale of Assets | -$9.95M | $420,000.00 | $362,000.00 | -$561,000.00 | $430,000.00 |
| Credit Losses Provision | -$2.79M | -$2.44M | $1.03M | -$7.07M | -$2.31M |
| Non-Interest Expense | $40.54M | $39.18M | $33.34M | $112.41M | $28.15M |
| Occupancy and Equipment | $5.71M | $5.94M | $5.13M | $17.08M | $4.46M |
| Professional Expense and Contract Services Expense | $1.08M | $1.36M | $1.11M | $4.39M | $1.18M |
| Selling and Admin Expenses | $23.17M | $21.94M | $20.66M | $64.10M | $15.85M |
| -Selling & Marketing Expense | $624,000.00 | $627,000.00 | $544,000.00 | $1.83M | $449,000.00 |
| -General & Admin Expense | $22.54M | $21.31M | $20.11M | $62.28M | $15.40M |
| Depreciation & Amortization & Depletion | $1.21M | $1.20M | $865,000.00 | $2.90M | $711,000.00 |
| -Depreciation & Amortization | $1.21M | $1.20M | $865,000.00 | $2.90M | $711,000.00 |
| Other Non-Interest Expenses | $9.36M | $8.75M | $5.58M | $23.94M | $5.96M |
| Other Income (Expense) | -$6.11M | -$1.70M | -$3.98M | -$4.05M | -$925,000.00 |
| Special Income (Charges) | -$6.11M | -$1.70M | -$3.98M | -$4.05M | -$925,000.00 |
| -Less:Restructuring and Mergern & Acquisition | $6.11M | $1.70M | $3.98M | $4.05M | $925,000.00 |
| Pretax Profit | $16.44M | $27.13M | $19.97M | $65.05M | $17.73M |
| Tax | $1.90M | $4.10M | $3.71M | $10.46M | $3.10M |
| Net Profit | $14.54M | $23.04M | $16.26M | $54.59M | $14.64M |
| Profit from Continuing Operations | $14.54M | $23.04M | $16.26M | $54.59M | $14.64M |
| Net Income to Parent Company | $14.54M | $23.04M | $16.26M | $54.59M | $14.64M |
| Net Income to Common Stockholders | $14.54M | $23.04M | $16.26M | $54.59M | $14.64M |
| Basic EPS | $0.25 | $0.39 | $0.36 | $1.46 | $0.39 |
| Diluted EPS | $0.25 | $0.39 | $0.36 | $1.45 | $0.39 |
| Dividend Per Share | $0.18 | $0.17 | $0.17 | $0.68 | $0.17 |
| -Dividend Income | – | $692,000.00 | $761,000.00 | $1.93M | $468,000.00 |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $7.12B | $7.14B | $7.18B | $5.25B | $5.25B |
| Cash, Cash Equivalents & Federal Funds Sold | $111.92M | $164.75M | $186.08M | $92.36M | $92.36M |
| -Cash and Cash Equivalents | $111.92M | $42.56M | $38.22M | $20.49M | $20.49M |
| Securities Investment | $1.47B | $1.59B | $1.57B | $1.42B | $1.42B |
| -Available for Sale Securities | $63.48M | $863.59M | $835.18M | $685.00M | $685.00M |
| -Short Term Investments | $1.40B | $722.47M | $735.92M | $733.11M | $733.11M |
| Net Loan | $4.80B | $4.73B | $4.75B | $3.27B | $3.27B |
| -Gross Loan | $4.86B | $4.77B | $4.79B | $3.30B | $3.30B |
| -Allowance for Loans and Lease Losses | $53.53M | $53.29M | $54.68M | $36.81M | $36.81M |
| Other Assets | $736.00M | $126.20M | $130.52M | $104.46M | $104.46M |
| Total Liabilities | $6.40B | $6.36B | $6.41B | $4.76B | $4.76B |
| Total Deposits | $5.81B | $5.83B | $5.92B | $4.34B | $4.34B |
| Long Term Debt and Capital Lease Obligation | $521.65M | $94.37M | $94.11M | $86.73M | $86.73M |
| -Long Term Debt | $521.65M | $94.37M | $94.11M | $86.73M | $86.73M |
| Other Liabilities | $72.46M | $70.44M | $52.09M | $49.63M | $49.63M |
| Total Equity | $716.49M | $783.95M | $766.89M | $485.73M | $485.73M |
| Stockholders' Equity | $716.49M | $783.95M | $766.89M | $485.73M | $485.73M |
| -Money Market Investments | – | $122.19M | $147.86M | $71.87M | $71.87M |
| -Unearned Income | – | $12.60M | $11.66M | $11.17M | $11.17M |
| Net PPE | – | $77.69M | $78.93M | $56.86M | $56.86M |
| Goodwill and Other Intangible Assets | – | $307.00M | $308.46M | $185.30M | $185.30M |
| -Goodwill | – | $271.38M | $271.65M | $167.45M | $167.45M |
| -Other Intangible Assets | – | $35.62M | $36.81M | $17.85M | $17.85M |
| Bank-Owned Life Insurance | – | $153.13M | $153.09M | $119.37M | $119.37M |
| Short-Term Debt and Capital Lease Obligation | – | $361.00M | $341.00M | $281.00M | $281.00M |
| -Current Debt | – | $361.00M | $341.00M | $281.00M | $281.00M |
| Capital Stock | – | $642.88M | $642.82M | $366.63M | $366.63M |
| -Common Stock | – | $642.88M | $642.82M | $366.63M | $366.63M |
| Retained Earnings | – | $308.99M | $296.03M | $286.20M | $286.20M |
| Less: Treasury Stock | – | $21.23M | $21.80M | $23.02M | $23.02M |
| Gains/Losses Not Affecting Retained Earnings | – | -$146.69M | -$150.16M | -$144.08M | -$144.08M |
| -Gross PPE | – | – | – | $92.67M | $92.67M |
| -Accumulated Depreciation | – | – | – | -$35.81M | -$35.81M |
Cash flow
| Line item | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| Operating Cash Flow | $26.53M | $7.57M | $60.04M | $19.64M | $10.71M |
| Net cash flow from continuing operations | $26.53M | $7.57M | $60.04M | $19.64M | $10.71M |
| Net Income from Continuing Operations | $23.04M | $16.26M | $54.59M | $14.64M | $12.46M |
| Gain/Loss from Continuing Operations | -$381,000.00 | -$352,000.00 | $620,000.00 | -$293,000.00 | $403,000.00 |
| Depreciation & Depletion & Amortization | $2.69M | $2.00M | $6.78M | $1.73M | $1.70M |
| Other Non-Cash Items | -$1.95M | -$1.52M | $84,000.00 | $2.78M | -$2.94M |
| Change in Working Capital | $607,000.00 | -$7.97M | -$10.77M | -$1.74M | -$2.68M |
| -Change in Other Working Capital | $607,000.00 | -$7.97M | -$10.77M | -$1.74M | -$2.68M |
| Net cash flow from investing | $32.57M | $85.37M | -$78.85M | -$1.46M | -$38.65M |
| Net Cash Flow from Continuing Investing Activities | $32.57M | $85.37M | -$78.85M | -$1.46M | -$38.65M |
| Net PPE Purchase and Sale | $701,000.00 | -$482,000.00 | -$7.56M | -$1.09M | -$1.68M |
| Net Business Purchase and Sale | $0.00 | $64.76M | $0.00 | – | – |
| Net Investment Purchase and Sale | $15.52M | $4.24M | -$17.07M | -$26.57M | -$533,000.00 |
| Net Income from Loans | $19.75M | $14.40M | -$40.82M | $28.26M | -$35.03M |
| Net Other Investing Changes | -$3.41M | $2.46M | -$13.40M | -$2.06M | -$1.41M |
| Financing Cash Flow | -$80.42M | $779,000.00 | $25.43M | -$18.17M | $29.54M |
| Net Cash Flow from Continuing Financing Activities | -$80.42M | $779,000.00 | $25.43M | -$18.17M | $29.54M |
| Increase/Decrease in Deposit | -$90.27M | $92.82M | $76.00M | -$57.74M | $4.10M |
| Net Issuance Payments of Debt | $20.00M | -$85.00M | -$24.00M | $46.00M | $32.00M |
| Cash Dividends Paid | -$10.03M | -$6.37M | -$25.47M | -$6.37M | -$6.37M |
| Net Other Financing Activities | -$119,000.00 | -$665,000.00 | -$1.11M | -$63,000.00 | -$189,000.00 |
| Ending Cash Balance | $164.75M | $186.08M | $92.36M | $92.36M | $92.35M |
| Net Change in Cash | -$21.33M | $93.73M | $6.62M | $12,000.00 | $1.61M |
| Beginning Cash Balance | $186.08M | $92.36M | $85.74M | $92.35M | $90.74M |
| Free Cash Flow | $25.96M | $7.07M | $52.18M | $18.55M | $9.03M |
| Net Common Stock Issuance | – | – | $0.00 | – | – |
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