FARMERS NATIONAL BANC CORP /OH/

FMNB

FARMERS NATIONAL BANC CORP /OH/

FMNB

Insider Sentiment (TTM):

Last Purchase:2026-03-26Last Sale:2026-06-22Shares Purchased (TTM):119,020Shares Sold (TTM):23,309

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:22,665,546Shares Outstanding:44,650,899Institutional Ownership Pct.:50.76%

Earnings Market Reaction:

Filing Date:2026-08-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Liabilities And Stockhold…
Cash And Due From Banks	43	38	20	24	20	18	20	21	24	23	29	25
Federal Funds Sold And Securities Purchased Under …	122	148	72	69	71	95	65	-	-	-	-	-
Cash Cash Equivalents And Federal Funds Sold	165	186	92	92	91	113	86	189	181	149	104	94
Available For Sale Securities Debt Securities	1,474	1,484	1,343	1,302	1,275	1,281	1,267	1,293	1,247	1,270	1,300	1,211
Other Investments	61	55	45	44	42	40	45	34	38	35	35	35
Loans Receivable Held For Sale Net Not Part Of Dis…	3	2	2	5	2	3	5	3	3	2	4	2
Notes Receivable Gross	4,776	4,800	3,305	3,338	3,303	3,251	3,268	3,281	3,237	3,181	3,198	3,169
Financing Receivable Allowance For Credit Losses	-	55	37	40	39	36	36	36	34	33	34	35
Deposits
Deposits	5,831	5,921	4,343	4,401	4,396	4,481	4,267	4,362	4,206	4,198	4,177	4,512
Loans And Leases Receivable Allowance	-	-	-	-	-	-	-	-	-	33	34	35
Notes Receivable Net	4,723	4,745	3,268	3,298	3,265	3,216	3,232	3,244	3,203	3,148	3,164	3,134
Property Plant And Equipment Net	78	79	57	57	56	55	52	48	45	45	44	45
Goodwill	271	272	167	167	167	167	167	167	167	167	167	168
Intangible Assets Net Excluding Goodwill	36	37	18	19	19	20	21	21	22	22	23	23
Bank Owned Life Insurance	153	153	119	118	118	117	101	101	100	100	99	99
Amortization Method Qualified Affordable Housing P…	52	32	29	31	34	32	22	-	-	-	-	-
Other Assets	126	131	104	102	109	112	120	113	128	124	120	160
Assets	7,141	7,175	5,246	5,236	5,178	5,157	5,119	5,237	5,157	5,080	5,078	4,971
Noninterest Bearing Deposit Liabilities	1,368	1,334	994	995	996	979	966	970	969	977	1,027	1,040
Interest Bearing Deposit Liabilities	4,463	4,587	3,349	3,406	3,326	3,342	3,226	3,317	3,237	3,221	3,151	3,218
Time Deposits	-	-	-	0	75	160	-	-	-	-	-	-
Short Term Borrowings	361	341	281	235	203	102	305	285	406	345	355	0
Long Term Debt	94	94	87	87	86	86	86	86	89	89	89	89
Other Liabilities	70	52	50	48	55	58	55	64	59	51	53	55
Liabilities	6,357	6,409	4,760	4,770	4,741	4,728	4,713	4,797	4,760	4,683	4,674	4,655
Common Stock Value	643	643	367	366	366	366	366	366	365	365	365	365
Retained Earnings Accumulated Deficit	309	296	286	278	272	264	257	249	247	242	237	229
Stockholders Equity
Stockholders Equity	784	767	486	466	438	429	406	440	397	397	404	316
Accumulated Other Comprehensive Income Loss Net Of…	-147	-150	-144	-155	-177	-177	-193	-151	-191	-185	-173	-252
Treasury Stock Common Value	-21	-22	-23	-23	-23	-24	-24	-	-	-	-	-
Treasury Stock Value	-	-	-	-	-	-	-24	-24	-24	-24	-25	-25
Liabilities And Stockholders Equity	7,141	7,175	5,246	5,236	5,178	5,157	5,119	5,237	5,157	5,080	5,078	4,971
Available For Sale Debt Securities Amortized Cost …	1,659	1,674	1,525	1,497	1,498	1,505	1,511	1,483	1,489	1,504	1,517	1,531
Common Stock No Par Value	0	0	0	0	0	0	0	-	-	-	-	-
Common Stock Shares Authorized	75	75	50	50	50	50	50	50	50	50	50	50
Common Stock Shares Issued	61	61	39	39	39	39	39	39	39	39	39	39
Shares Outstanding	59	59	38	38	38	38	38	38	38	38	38	37
Treasury Stock Common Shares	2	2	2	2	2	2	2	2	2	2	2	2

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	0.00%	5.39%	8.39%	-	-	-	-	-	-	-	-	-
2025	-1.85%	3.16%	1.05%	12.69%	9.17%	2.11%	2.18%	3.91%	3.45%	0.31%	9.50%	10.12%
2024	-3.93%	-0.43%	28.04%	12.60%	7.08%	0.27%	2.89%	-6.93%	-10.59%	-4.91%	-4.40%	-4.61%
2023	-	-	-	-6.94%	-16.14%	-19.55%	7.97%	22.81%	21.45%	0.38%	-9.32%	-7.14%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	20.04	18.27	17.35	17.33	16.13	3.10	2.10	1.78	1.67	1.76	1.78	1.92
Per Share Metrics
Diluted EPS TTM	1.12	1.28	1.45	1.44	1.34	1.28	1.22	1.23	1.36	1.44	1.33	1.30
Free Cash Flow Per Share TTM	1.03	1.05	1.39	1.11	1.42	1.47	1.47	1.64	1.58	1.64	1.68	1.82
Dividend Per Share TTM	0.49	0.57	0.68	0.51	0.51	0.68	0.68	0.68	0.68	0.68	0.68	0.67
Margin Metrics
Gross Profit Margin TTM	-9.05%	-1,150.50%	-1,166.61%	-1,194.46%	-1,214.22%	-1,223.90%	-1,259.10%	-1,721.39%	-1,714.26%	-1,709.70%	-1,614.62%	-960.00%
Operating Profit Margin TTM	86.61%	925.39%	901.91%	893.91%	818.65%	779.15%	758.13%	781.52%	894.38%	995.49%	928.47%	976.25%
Net Profit Margin TTM	72.36%	771.86%	756.88%	747.35%	682.28%	645.03%	628.49%	649.97%	746.76%	835.73%	789.81%	832.95%
Growth Metrics
Net Revenue Growth (1Y)	1,141.91%	-0.88%	-1.35%	2.44%	8.37%	15.65%	15.64%	21.37%	27.08%	29.38%	34.05%	25.74%
Net Income Growth (1Y)	31.70%	18.61%	18.80%	17.78%	-0.98%	-10.74%	-7.98%	-5.29%	0.14%	4.38%	-17.60%	-7.99%
EPS Growth (1Y)	-16.43%	-0.70%	18.43%	17.42%	-1.29%	-10.98%	-7.84%	-5.57%	-0.11%	5.91%	-25.40%	-16.37%
Valuation Metrics
P/E TTM	12.97	10.14	8.92	9.58	9.77	9.51	10.74	11.25	8.32	8.25	9.57	7.72
P/B TTM	1.10	0.76	1.00	1.12	1.12	1.07	1.22	1.18	1.07	1.12	1.18	1.19
P/S TTM	9.39	78.27	67.49	71.63	66.65	61.37	67.48	73.15	62.14	68.95	75.62	64.31
Market Cap	861.50M	580.75M	486.71M	520.79M	492.45M	459.39M	493.38M	519.19M	423.69M	446.34M	478.06M	376.07M
Enterprise Value	1.27B	977.63M	833.95M	818.56M	761.77M	629.20M	864.11M	869.08M	894.78M	857.15M	892.82M	439.28M
Calculated Values
Free Cash Flow TTM	60.61M	47.08M	52.18M	41.61M	52.99M	54.94M	54.92M	61.42M	59.02M	61.22M	62.93M	67.81M
Net Debt	412.81M	396.89M	347.25M	297.77M	269.33M	169.81M	370.72M	349.89M	471.09M	410.81M	414.77M	63.21M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-22Sale

Owner: Voinovich, Michael C

Title: -

Shares: 23,309

Price/Share: $14.21

Value: $331,220.89

Shares Owned: -

Relationship: Director

Ownership: Indirect

2026-03-26Purchase

Owner: Varischetti, Nicholas D

Title: -

Shares: 2,000

Price/Share: $12.90

Value: $25,800.00

Shares Owned: 228,751

Relationship: Director

Ownership: Indirect

2026-03-19Purchase

Owner: Richardson, Gina A

Title: -

Shares: 441

Price/Share: $12.43

Value: $5,481.63

Shares Owned: 15,807

Relationship: Director

Ownership: Direct

2026-03-05Purchase

Owner: Richardson, Gina A

Title: -

Shares: 1,231

Price/Share: $12.91

Value: $15,892.21

Shares Owned: 15,305

Relationship: Director

Ownership: Direct

2026-03-03Purchase

Owner: Muransky, Edward

Title: -

Shares: 40,000

Price/Share: $12.74

Value: $509,600.00

Shares Owned: 196,020

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-22	Voinovich, Michael C	Director	-	Indirect	Sale	23,309	14.21	$331,220.89	0	4
2026-03-26	Varischetti, Nicholas D	Director	-	Indirect	Purchase	2,000	12.90	$25,800.00	228,751	4
2026-03-19	Richardson, Gina A	Director	-	Direct	Purchase	441	12.43	$5,481.63	15,807	4
2026-03-05	Richardson, Gina A	Director	-	Direct	Purchase	1,231	12.91	$15,892.21	15,305	4
2026-03-03	Muransky, Edward	Director	-	Direct	Purchase	40,000	12.74	$509,600.00	196,020	4
2026-02-02	Wallace, Amber B	Officer	SEVP/Chief Retail & Marketing	Direct	Purchase	15	13.02	$195.30	55,829	4
2025-10-30	Richardson, Gina A	Director	-	Direct	Purchase	1,833	12.99	$23,810.67	13,823	4
2025-10-24	Muransky, Edward	Director	-	Indirect	Purchase	73,500	13.59	$998,865.00	110,706	4
2025-03-05	Richardson, Gina A	Director	-	Direct	Purchase	2,334	13.75	$32,092.50	9,896	4
2025-01-31	Macali, Ralph D	Director	-	Direct	Sale	14,300	14.00	$200,200.00	48,983	4
2025-01-02	Sabat, Joseph W	Officer	VP/Chief Accounting Officer	Direct	Purchase	88	14.26	$1,254.88	30,019	4
2024-09-09	Richardson, Gina A	Director	-	Direct	Purchase	1,300	14.92	$19,396.00	7,440	4
2024-09-06	Richardson, Gina A	Director	-	Direct	Purchase	83	15.12	$1,254.96	6,140	4
2024-09-05	Shaffer, Timothy F	Officer	SEVP, CCO	Direct	Sale	1,799	15.00	$26,985.00	35,282	4
2024-07-30	Wenick, Mark J	Officer	SEVP/ Chief Wealth Mgr	Direct	Sale	2,000	15.88	$31,760.00	27,116	4
2024-06-18	Macali, Ralph D	Director	-	Direct	Purchase	825	12.24	$10,098.00	29,718	4
2024-06-11	Macali, Ralph D	Director	-	Indirect	Purchase	485	11.87	$5,756.95	1,037	4
2024-05-23	Richardson, Gina A	Director	-	Direct	Purchase	997	12.29	$12,253.13	6,057	4
2024-02-14	Richardson, Gina A	Director	-	Direct	Purchase	742	13.57	$10,068.94	3,659	4
2024-02-01	Wallace, Amber B	Officer	Sr VP/Chief Retail/Marketing	Direct	Purchase	14	13.64	$190.96	45,044	4
2024-02-01	Helmick, Kevin J	Director,Officer	President & CEO	Direct	Purchase	37	13.64	$504.68	135,489	4
2024-01-30	Richardson, Gina A	Director	-	Direct	Purchase	735	14.17	$10,414.95	2,917	4
2024-01-29	Shaffer, Timothy F	Officer	SEVP, CCO	Direct	Sale	4,004	14.21	$56,896.84	33,157	4
2023-11-21	Crawford, Anne Frederick	Director	-	Indirect	Purchase	800	12.45	$9,960.00	1,450	4
2023-11-07	Wenick, Mark J	Officer	SEVP/ Chief Wealth Mgr	Direct	Purchase	210	12.06	$2,532.60	23,717	4
2023-11-03	Richardson, Gina A	Director	-	Direct	Purchase	440	12.11	$5,328.40	2,182	4
2023-11-01	Thornton, Andre	Director	-	Direct	Purchase	430	11.35	$4,880.50	4,652	4
2023-10-27	Richardson, Gina A	Director	-	Direct	Purchase	475	11.00	$5,225.00	1,742	4
2023-10-02	Sabat, Joseph W	Officer	VP/Chief Accounting Officer	Direct	Purchase	107	11.65	$1,246.55	27,599	4
2023-09-26	Thornton, Andre	Director	-	Direct	Purchase	428	11.35	$4,857.80	4,222	4
2023-08-09	Thornton, Andre	Director	-	Direct	Purchase	349	13.92	$4,858.08	3,794	4
2023-08-01	Thornton, Andre	Director	-	Direct	Purchase	355	13.83	$4,909.65	3,445	4
2023-08-01	Shaffer, Timothy F	Officer	SEVP, CCO	Direct	Purchase	4,403	10.60	$46,671.80	36,436	4
2023-07-03	Sabat, Joseph W	Officer	VP/Chief Accounting Officer	Direct	Purchase	99	12.68	$1,255.32	24,444	4
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Institutional Ownership

No data available for chart

2026-03-31

50.76%

Inst. Shares: 22,665,546

Shares Outstanding: 44,650,899

2025-12-31

43.20%

Inst. Shares: 16,175,107

Shares Outstanding: 37,441,972

2025-09-30

39.75%

Inst. Shares: 14,895,084

Shares Outstanding: 37,467,634

2025-06-30

38.63%

Inst. Shares: 14,465,225

Shares Outstanding: 37,442,047

2025-03-31

38.22%

Inst. Shares: 14,286,630

Shares Outstanding: 37,380,606

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	22,665,546	44,650,899	50.76%
2025-12-31	16,175,107	37,441,972	43.20%
2025-09-30	14,895,084	37,467,634	39.75%
2025-06-30	14,465,225	37,442,047	38.63%
2025-03-31	14,286,630	37,380,606	38.22%
2024-12-31	14,296,291	37,327,848	38.30%
2024-09-30	13,667,306	37,352,872	36.59%
2024-06-30	13,173,711	37,325,648	35.29%
2024-03-31	13,086,251	37,278,214	35.10%
2023-12-31	13,733,200	37,384,122	36.74%
2023-09-30	13,353,331	37,241,383	35.86%
2023-06-30	13,705,798	37,233,732	36.81%
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FARMERS NATIONAL BANC CORP /OH/ (FMNB) — SEC Financial Statements & Analysis

FARMERS NATIONAL BANC CORP /OH/ (FMNB) is a state commercial banks company, incorporated in OH. FARMERS NATIONAL BANC CORP /OH/ trades on Nasdaq as: FMNB. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), FARMERS NATIONAL BANC CORP /OH/ reported a 1141.91% year-over-year revenue growth, a Gross Profit Margin of -9.05% (TTM), a Price-to-Sales (P/S) ratio of 9.39x (TTM), a Price-to-Book (P/B) ratio of 1.10x (TTM), at a market cap of $861.50M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 1141.91%
Gross Profit Margin TTM: -9.05%
P/S TTM: 9.39x
P/B TTM: 1.10x
Market Cap: $861.50M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is FARMERS NATIONAL BANC CORP /OH/ in?

FARMERS NATIONAL BANC CORP /OH/ (FMNB) operates in the State Commercial Banks industry.

What is FMNB's market cap?

FARMERS NATIONAL BANC CORP /OH/ (FMNB) has a market capitalization of $861.50M as of 2026-06-30.

What is FMNB's P/E ratio?

FARMERS NATIONAL BANC CORP /OH/ (FMNB)'s trailing twelve month P/E ratio is 12.97x as of 2026-06-30.

What exchange does FMNB trade on?

FARMERS NATIONAL BANC CORP /OH/ (FMNB) trades on the Nasdaq.

Where is FARMERS NATIONAL BANC CORP /OH/ incorporated?

FARMERS NATIONAL BANC CORP /OH/ is incorporated in OH.