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Farmers National Banc Corp. FMNB NASDAQ

NASDAQ Capital Marke • Financial Services • Banks - Regional • US • USD

SharesGrow Score
58/100
3/7 Pass
SharesGrow Intrinsic Value
$36.31
+161.4%
Analyst Price Target
$14.00
+0.8%

Farmers National Banc Corp. (FMNB) is a Banks - Regional company in the Financial Services sector, currently trading at $13.89. It has a SharesGrow Score of 58/100, indicating a above average investment profile with 3 out of 7 criteria passed.

SharesGrow calculates the intrinsic value of FMNB = $36.31 (+161.4% from the current price, the stock appears undervalued). Analyst consensus target is FMNB = $14 (+0.8% upside).

Valuation: FMNB trades at a trailing Price-to-Earnings (P/E) of 9.5 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.42.

Financials: revenue is $272M, +16.6%/yr average growth. Net income is $55M, growing at -2.3%/yr. Net profit margin is 20.1% (strong). Gross margin is 63.8% (-25.5 pp trend).

Balance sheet: total debt is $368M against $486M equity (Debt-to-Equity (D/E) ratio 0.76, moderate). Current ratio is 0.33 (tight liquidity). Debt-to-assets is 7%. Total assets: $5.2B.

Analyst outlook: 2 / 7 analysts rate FMNB as buy (29%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 70/100 (Pass), Growth 48/100 (Partial), Past 100/100 (Pass), Health 17/100 (Fail), Moat 49/100 (Partial), Future 34/100 (Fail), Income 85/100 (Pass).

$14.00
▲ 0.79% Upside
Average Price Target
The 12-month price target for Farmers National Banc Corp. is $14.00.

FMNB SharesGrow Score Overview

58/100
SharesGrow Score
Above average fundamentals
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VALUE 70/100
Valuation — P/E, PEG, Forward PEG
GROWTH 48/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 17/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 49/100
Gross margin is + market cap
FUTURE 34/100
Analyst outlook — as buy
INCOME 85/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — FMNB

VALUE Pass
70/100
FMNB trades at a trailing Price-to-Earnings (P/E) of 9.5 (S&P 500 average ~25). Forward PEG 0.42 — Peter Lynch undervalued (≤1.0). Trailing PEG 13.69. Analyst consensus target is $14, implying +0.8% from the current price $14. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
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GROWTH Partial
48/100
FMNB: +16.6%/yr revenue is, -2.3%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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PAST Pass
100/100
FMNB: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
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HEALTH Fail
17/100
Balance sheet FMNB: Debt-to-Equity (D/E) ratio 0.76 (moderate), Current ratio is 0.33 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
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~
MOAT Partial
49/100
FMNB: Gross margin is 63.8% (-25.5 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 49/100. ≥ 70 = Pass.
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FUTURE Fail
34/100
Analyst outlook: 2 / 7 analysts rate FMNB as buy (29%). Analyst consensus target is $14 (+0.8% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
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INCOME Pass
85/100
FMNB: Net profit margin is 20.1%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
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Stock Chart & Stats

Market Data
52-Week Range11.58-15.5
Volume222.84K
Avg Volume (30D)461.34K
Market Cap$523.2M
Beta (1Y)0.78
Dividend Yield$0.6800
Share Statistics
EPS (TTM)1.46
Shares Outstanding$37.63M
IPO Date1999-01-04
Employees682
CEOKevin J. Helmick
Financial Highlights & Ratios
Revenue (TTM)$271.83M
Gross Profit$173.41M
EBITDA$65.05M
Net Income$54.59M
Operating Income$65.05M
Total Cash$1.36B
Total Debt$367.73M
Net Debt$347.25M
Total Assets$5.25B
Price / Earnings (P/E)9.5
Price / Sales (P/S)1.92
Analyst Forecast
1Y Price Target$14.00
Target High$14.00
Target Low$14.00
Upside+0.8%
Rating ConsensusHold
Analysts Covering7
Buy 29% Hold 71% Sell 0%
Price Target Summary
Company Info
CountryUS
ExchangeNASDAQ Capital Marke
CurrencyUSD
ISINUS3096271073

Price Chart

FMNB
Farmers National Banc Corp.  ·  NASDAQ Capital Marke
Financial Services • Banks - Regional
11.58 52WK RANGE 15.50
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