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Financials · FMNB

Farmers National Banc Corp. (FMNB) financials

For the twelve months ended Sep 30, 2026, Farmers National Banc Corp. reported $349.28M of revenue and $68.47M of net income.

Revenue, TTM
$349.28M
Revenue growth, YoY
+25.8%
Net income, TTM
$68.47M
Net income growth, YoY
+26.0%
Net margin
19.6%
Free cash flow, TTM
$79.63M
EPS, diluted, TTM
$1.39
EPS growth, YoY
-3.5%
Total debt
$94.65M
P/E
13.54
P/S
2.65
Market cap
$927.2M
Annual revenue$279.92M
FY2016FY2025
Annual net income$54.59M
FY2016FY2025
Annual free cash flow$52.18M
FY2016FY2025

FMNB revenue and earnings growth

FMNB revenueQ3 2026$96.45M

Quarter YoY
+36.2%
QoQ
-4.0%
FY YoY
+3.9%
5Y CAGR
+16.2%
10Y CAGR
+15.2%

FMNB revenue was $96.45M in fiscal Q3 2026 (ended Sep 30, 2026), up 36.2% from a year earlier and down 4.0% from the prior quarter. For the full fiscal 2025 it was $279.92M, up 3.9% from fiscal 2024. Compound annual growth was +16.2% over 5 years and +15.2% over 10 years. It rose in each of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

FMNB net incomeQ3 2026$14.54M

Quarter YoY
+16.6%
QoQ
-36.9%
FY YoY
+18.8%
5Y CAGR
+5.4%
10Y CAGR
+21.1%

FMNB net income was $14.54M in fiscal Q3 2026 (ended Sep 30, 2026), up 16.6% from a year earlier and down 36.9% from the prior quarter. For the full fiscal 2025 it was $54.59M, up 18.8% from fiscal 2024. Compound annual growth was +5.4% over 5 years and +21.1% over 10 years. It rose in 8 of the last 10 fiscal years.

FMNB EPSQ3 2026$0.25

QoQ
-35.9%
FY YoY
+18.9%
5Y CAGR
-0.3%
10Y CAGR
+14.9%

FMNB diluted EPS was $0.25 in fiscal Q3 2026 (ended Sep 30, 2026), down 35.9% from the prior quarter. For the full fiscal 2025 it was $1.45, up 18.9% from fiscal 2024. Compound annual growth was -0.3% over 5 years and +14.9% over 10 years.

FMNB free cash flowQ3 2026$28.06M

Quarter YoY
+210.6%
QoQ
+8.1%
FY YoY
-5.0%
5Y CAGR
+2.8%
10Y CAGR
+26.4%

FMNB free cash flow was $28.06M in fiscal Q3 2026 (ended Sep 30, 2026), up 210.6% from a year earlier and up 8.1% from the prior quarter. For the full fiscal 2025 it was $52.18M, down 5.0% from fiscal 2024. Compound annual growth was +2.8% over 5 years and +26.4% over 10 years. It rose in 6 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$279.92M$269.45M$255.20M$186.29M$146.18M$132.35M$110.42M$104.00M$97.70M$91.36M
Interest expense--$75.55M$17.92M$8.47M$16.14M$19.61M$13.27M$6.88M$4.38M
Pre-tax income$65.05M$55.43M$58.70M$72.83M$62.11M$50.27M$43.08M$38.28M$33.16M$28.04M
Income tax$10.46M$9.48M$8.77M$12.24M$10.27M$8.40M$7.32M$5.71M$10.45M$7.49M
Net income$54.59M$45.95M$49.93M$60.60M$51.84M$41.88M$35.76M$32.57M$22.71M$20.56M
EPS, basic$1.46$1.23$1.34$1.79$1.78$1.48$1.29$1.18$0.82$0.76
EPS, diluted$1.45$1.22$1.33$1.79$1.77$1.47$1.28$1.16$0.82$0.76
Diluted shares37.6M37.5M37.5M33.9M29.3M28.4M27.9M28.0M27.6M27.2M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Goodwill$167.45M$167.45M$167.45M$94.64M$94.24M$45.77M$38.20M$38.20M$38.20M$37.16M
Total assets$5.25B$5.12B$5.08B$4.08B$4.14B$3.07B$2.45B$2.33B$2.16B$1.97B
Short-term debt$281.00M$305.00M$355.00M$95.00M$0$2.52M$77.05M$244.76M$289.56M$198.46M
Total debt$86.73M$86.15M$88.66M$88.21M$87.76M$76.39M$45.15M$6.03M$6.99M$15.04M
Total liabilities$4.76B$4.71B$4.67B$3.79B$3.67B$2.72B$2.15B$2.07B$1.92B$1.75B
Shareholders' equity$485.73M$406.03M$404.42M$292.30M$472.43M$350.10M$299.31M$262.32M$242.07M$213.22M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$60.04M$66.61M$62.93M$81.50M$54.93M$49.07M$38.76M$38.76M$30.57M$24.50M
Capital expenditures$7.86M$11.69M$3.88M$2.56M$1.38M$3.70M$1.46M$450.0K$956.0K$788.0K
Free cash flow$52.18M$54.92M$59.05M$78.94M$53.56M$45.37M$37.30M$38.31M$29.61M$23.71M
Investing cash flow-$78.85M-$95.13M$77.94M-$205.51M-$423.61M-$159.89M-$93.15M-$179.32M-$137.11M-$115.40M
Financing cash flow$25.43M$10.59M-$112.76M$86.77M$226.85M$294.68M$67.22M$140.87M$122.38M$76.67M
Dividends paid$25.47M$25.39M$25.40M$22.00M$14.07M$12.65M$10.54M$8.32M$6.01M$4.33M
Share repurchases$0$0$11.54M$0$164.0K$14.24M$2.84M$0$0$168.0K
Stock-based compensation$2.50M$2.64M$2.61M$1.82M$1.19M$1.44M$1.39M$1.68M$2.36M$892.0K
Depreciation and amortization$6.78M$6.40M$7.33M$4.90M$3.54M$3.12M$2.84M$2.99M$3.14M$3.67M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY3.9%5.6%37.0%27.4%10.5%19.9%6.2%6.5%6.9%34.3%
Net income growth, YoY18.8%-8.0%-17.6%16.9%23.8%17.1%9.8%43.4%10.5%155.2%
EPS growth, YoY18.9%-8.3%-25.7%1.1%20.4%14.8%10.3%41.5%7.9%111.1%
Net margin19.5%17.1%19.6%32.5%35.5%31.6%32.4%31.3%23.2%22.5%
Free cash flow margin18.6%20.4%23.1%42.4%36.6%34.3%33.8%36.8%30.3%25.9%
Return on equity11.2%11.3%12.3%20.7%11.0%12.0%11.9%12.4%9.4%9.6%
Return on assets1.0%0.9%1.0%1.5%1.3%1.4%1.5%1.4%1.1%1.0%
Debt to equity0.180.210.220.300.190.220.150.020.030.07

Source: XBRL data Farmers National Banc Corp. files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

FMNB peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
FMNB$349.28M+25.8%$68.47M19.6%$927.2M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

FMNB FAQ

8 questions
  • What is FMNB revenue?
    Farmers National Banc Corp. (FMNB) reported $349.28M of revenue for the twelve months ended Sep 30, 2026. That is up 25.8% from the year before. Revenue for fiscal 2025 was $279.92M.
  • Is FMNB profitable?
    Yes. Farmers National Banc Corp. earned $68.47M in net income for the twelve months ended Sep 30, 2026, a net margin of 19.6%.
  • How much cash and debt does FMNB have?
    Farmers National Banc Corp. reported $94.65M of debt on its most recent balance sheet in SEC filings.
  • How fast is FMNB revenue growing?
    Farmers National Banc Corp.'s revenue changed +3.9% in fiscal 2025, to $279.92M. Its compound annual growth rate was +16.2% over 5 years and +15.2% over 10 years.
  • What is FMNB free cash flow?
    Farmers National Banc Corp. generated $79.63M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $82.68M less capital expenditures.
  • What is FMNB earnings per share?
    Diluted earnings per share were $1.39 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did FMNB last report financial results?
    The latest statements here come from Farmers National Banc Corp.'s 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this FMNB financial data come from?
    Quantisnow builds these statements from the structured XBRL data Farmers National Banc Corp. files with the SEC. It is provided for information only and is not investment advice.