Farmers National Banc Corp. (FMNB)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Farmers National Banc Corp. (FMNB) trades at $14.45 with AI Score 65/100 (Grade B+). Farmers National Banc Corp. is a financial holding company based in Canfield, Ohio, providing a range of banking and financial services. Market cap: $567.14M, Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for FMNB: FMNB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FMNB against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
FMNB: 7/7 perspectives are bullish. Dominant signal: Ken Griffin bullish.
How is this calculated? →Farmers National Banc Corp. (FMNB) Financial Services Profile
Farmers National Banc Corp. stands out in the regional banking sector by offering a comprehensive suite of financial services, including commercial banking, trust, and insurance, with a strong presence in northeastern Ohio and southwestern Pennsylvania.
What Is the Investment Thesis for FMNB?
Farmers National Banc Corp. presents a solid investment thesis characterized by a market capitalization of $567.14M and a P/E ratio of 8.1, indicating potential value relative to earnings. The company boasts a profit margin of 20.2% and a gross margin of 65.0%, reflecting operational efficiency and effective cost management. Key growth catalysts include the expansion of its banking services and insurance offerings, which are expected to drive revenue growth in the coming years. Furthermore, the company's dividend yield of 4.80% provides an attractive return for income-focused investors. However, potential risks include regulatory challenges and competitive pressures in the regional banking sector, which could impact profitability and growth prospects.
Based on FMP financials and quantitative analysis
FMNB Key Highlights
- Market capitalization of $567.14M, indicating a stable market presence in regional banking.
- P/E ratio of 8.1, suggesting potential value compared to earnings in the financial services sector.
- Profit margin of 20.2%, showcasing strong operational efficiency.
- Gross margin of 65.0%, exceeding many industry peers and reflecting effective cost management.
- Dividend yield of 4.80%, appealing to income-focused investors.
Who Are FMNB's Competitors?
FMNB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FNB F.N.B. Corporation | $19.16 | +0.71% | $6.82B | 85 |
| PNC The PNC Financial Services Group, Inc. | $251.93 | +0.98% | $101.17B | 75 |
| KEY KeyCorp | $23.35 | +1.43% | $25.20B | 95 |
| HBAN Huntington Bancshares Incorporated | $17.89 | +0.17% | $36.27B | 68 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FMNB's Key Strengths?
- Long-standing reputation and brand recognition in the regional banking sector.
- Diverse service offerings that cater to both personal and business clients.
- Strong financial metrics, including high profit and gross margins.
- Community-focused approach that enhances customer loyalty and retention.
What Are FMNB's Weaknesses?
- Limited geographic presence compared to larger national banks.
- Dependence on the economic conditions of the northeastern Ohio market.
- Potential vulnerability to regulatory changes affecting the financial services industry.
- Relatively smaller scale may limit competitive pricing strategies.
What Could Drive FMNB Stock Higher?
- Launch of enhanced digital banking platform aimed at improving customer experience and engagement.
- Expansion of insurance product offerings to capture a larger market share.
- Strategic partnerships with local businesses to strengthen community ties and enhance service offerings.
- Plans to open new branches in underserved markets to increase geographic reach.
- Implementation of new regulatory compliance measures to ensure adherence to evolving industry standards.
What Are the Key Risks for FMNB?
- Financial-distress signal — its Altman Z-Score of 0.13 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns that may affect loan performance and overall profitability.
- Regulatory challenges that could increase compliance costs and operational complexities.
- Increased competition from larger banks and fintech companies that may pressure market share.
- Vulnerability to market volatility impacting investment income and insurance products.
What Are the Growth Opportunities for FMNB?
- Growth opportunity 1: The expansion of digital banking services is a significant growth driver for Farmers National. As consumer preferences shift towards online banking, the company plans to enhance its digital platforms to improve customer experience and increase engagement. The digital banking market is projected to grow at a CAGR of 8.5% from 2023 to 2028, providing Farmers National with a substantial opportunity to capture new customers and retain existing ones.
- Growth opportunity 2: Farmers National's insurance services present another avenue for growth. With the property and casualty insurance market estimated to reach $1 trillion by 2027, the company aims to expand its offerings and market share in this segment. By leveraging its existing customer base and cross-selling insurance products, Farmers National can enhance its revenue streams and diversify its business model.
- Growth opportunity 3: The company's focus on trust and retirement services is expected to drive growth as demographics shift towards an aging population. With more individuals seeking retirement planning and estate management, Farmers National can capitalize on this trend by enhancing its service offerings and targeting this demographic. The retirement services market is projected to grow significantly, providing a robust opportunity for Farmers National to expand its client base.
- Growth opportunity 4: Geographic expansion into underserved markets in Ohio and Pennsylvania is a potential growth strategy for Farmers National. By opening new branches in areas with limited banking services, the company can tap into new customer segments and increase its market penetration. The regional banking sector is seeing a trend towards consolidation, and Farmers National's expansion could position it as a leader in these new markets.
- Growth opportunity 5: Farmers National's commitment to community involvement and local partnerships can enhance its brand reputation and customer loyalty. By engaging in community development initiatives and supporting local businesses, the company can strengthen its ties with the community, leading to increased customer retention and new business opportunities. This community-focused approach is increasingly valued by consumers, particularly in the regional banking space.
What Opportunities Does FMNB Have?
- Expansion of digital banking services to meet changing consumer preferences.
- Growth potential in the insurance market through enhanced product offerings.
- Increasing demand for retirement and trust services due to demographic shifts.
- Opportunities for geographic expansion into underserved markets.
What Threats Does FMNB Face?
- Intense competition from larger banks and emerging fintech companies.
- Economic downturns that could impact loan performance and profitability.
- Regulatory challenges that may increase compliance costs.
- Market volatility affecting investment income and insurance products.
What Are FMNB's Competitive Advantages?
- Established brand with over 130 years of experience in the financial services industry.
- Strong community ties and customer relationships that enhance loyalty.
- Diverse range of services that cater to various financial needs.
- Operational efficiency reflected in high profit and gross margins.
- Focus on personalized service differentiates Farmers National from larger banks.
What Does FMNB Do?
Farmers National Banc Corp. was founded in 1887 in Canfield, Ohio, and has evolved into a multifaceted financial holding company. Initially focused on traditional banking, the company has expanded its offerings to include trust services, retirement consulting, insurance, and financial management. Today, Farmers National operates 47 banking locations across northeastern Ohio and one in southwestern Pennsylvania, serving a diverse clientele with a wide array of financial products. Its services encompass commercial and retail banking, including checking and savings accounts, various loan products, and credit card services. Additionally, the company provides personal and corporate trust services, estate settlement, retirement services, and property and casualty insurance products. Farmers National has positioned itself as a trusted financial partner in its communities, leveraging its long-standing history and expertise to cater to both individual and corporate clients. The company’s commitment to customer service and community involvement has solidified its reputation in the regional banking landscape, making it a key player in the financial services industry.
What Products and Services Does FMNB Offer?
- Provide commercial and retail banking services including checking and savings accounts.
- Offer various loan products such as mortgages, home equity loans, and installment loans.
- Deliver personal and corporate trust services, including estate settlement and trust administration.
- Provide retirement consulting and management services.
- Offer property and casualty insurance products through licensed representatives.
- Engage in financial management and investment in municipal securities.
How Does FMNB Make Money?
- Generate revenue through interest on loans and fees from banking services.
- Earn income from trust and retirement services, including management fees.
- Collect premiums from property and casualty insurance products.
- Leverage investment income from municipal securities and other financial instruments.
- Cross-sell financial products to existing customers to enhance revenue streams.
What Industry Does FMNB Operate In?
The regional banking sector is characterized by a competitive landscape with a focus on community-oriented services and customer relationships. Farmers National Banc Corp. operates within a market that is expected to grow as consumers increasingly seek personalized banking solutions. Trends such as digital banking and the demand for diversified financial services are reshaping the industry, presenting both opportunities and challenges. Farmers National's established presence in northeastern Ohio positions it favorably to capitalize on these trends, although it faces competition from both larger banks and emerging fintech companies.
Who Are FMNB's Key Customers?
- Individuals seeking personal banking and financial services.
- Small to medium-sized businesses requiring commercial banking solutions.
- Trust clients needing estate and retirement planning services.
- Local organizations looking for insurance products and financial management.
- Community members interested in personalized banking experiences.
How Farmers National Banc Corp. Is Valued
Farmers National Banc Corp. carries a market capitalization of $567.14M, placing it in the small-cap category. Relative to its peer group, FMNB's quantitative score of 65/100 is below the peer average of 79/100.
Company Profile
Farmers National Banc Corp. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Canfield, US. The company is led by CEO Kevin J. Helmick. FMNB has traded publicly since 1999.
ROE 11%Key Financial Metrics
Return on equity for Farmers National Banc Corp. stands at 10.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. FMNB trades at a trailing price-to-earnings ratio of 8.12, below the Financial Services sector average of ~18x. Its free cash flow yield is 8.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.11 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 9.1%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 4/9Financial Health
Farmers National Banc Corp.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.13 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Farmers National Banc Corp. revenue of about $269.6M for fiscal 2026, with EPS near $1.51.
FMNB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider purchases indicate confidence in the company's future prospects, suggesting that executives believe in the growth potential.
- Community sentiment has shifted positively as discussions around the bank's expansion strategies gain traction among investors.
- The bank's recent focus on enhancing digital services has resonated well with tech-savvy investors, reflecting a modern approach to banking.
- Positive reviews on customer service and community engagement have bolstered the company's reputation, attracting a loyal customer base.
Bear Case
- Concerns over rising interest rates may impact the bank's lending margins, causing apprehension among investors.
- Recent discussions in the community highlight skepticism about the bank's ability to compete with larger financial institutions, raising doubts about market share.
- Some investors express caution due to the current economic uncertainty, which could affect consumer spending and loan demand.
- Negative sentiment around regional banks has been prevalent, with fears of potential regulatory changes creating a bearish outlook.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
FMNB Latest News
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Stocks That Hit 52-Week Highs On Tuesday
· Dec 16, 2019
FMNB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FMNB.
Price Targets
Wall Street price target analysis for FMNB.
FMNB MoonshotScore
What does this score mean?
The MoonshotScore rates FMNB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest Farmers National Banc Corp. Analysis
Leadership: Kevin J. Helmick
President and CEO
Kevin J. Helmick has extensive experience in the banking and financial services industry. He has held various leadership roles within Farmers National Banc Corp. and has been instrumental in driving the company's growth strategy. Helmick holds a degree in finance and has a strong background in commercial banking and financial management.
Track Record: Under Helmick's leadership, Farmers National has expanded its service offerings and improved operational efficiencies. He has been pivotal in enhancing the company's community engagement initiatives and has led efforts to strengthen customer relationships.
What Investors Ask About Farmers National Banc Corp. (FMNB) — Financial Services
What does Farmers National Banc Corp. do?
Farmers National Banc Corp. is a financial holding company that provides a wide range of banking and financial services. Its offerings include commercial and retail banking, trust services, retirement consulting, and insurance products. The company operates primarily in northeastern Ohio and southwestern Pennsylvania, serving both individual and corporate clients.
What do analysts say about FMNB stock?
Analysts generally view FMNB stock as a stable investment within the regional banking sector. Key valuation metrics, such as a P/E ratio of 8.1 and a dividend yield of 4.80%, suggest a favorable position relative to earnings. Growth considerations include the company's expansion plans and its strong profit margins.
What are the main risks for FMNB?
Farmers National Banc Corp. faces several risks, including economic downturns that could impact loan performance and profitability. Regulatory challenges may increase compliance costs and operational complexities. Additionally, the company must navigate intense competition from larger banks and fintech firms, which could pressure its market share.
What are the key factors to evaluate for FMNB?
Farmers National Banc Corp. (FMNB) holds an AI score of 65/100 (moderate). P/E: 8.1x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does FMNB data refresh on this page?
FMNB prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven FMNB's recent stock price performance?
Farmers National Banc Corp. (FMNB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing reputation and brand recognition in the regional banking sector. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FMNB overvalued or undervalued right now?
Farmers National Banc Corp. (FMNB) trades at 8.1x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying FMNB?
Before investing in Farmers National Banc Corp. (FMNB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Data is based on the latest available information and may be subject to change.