Farmers National Banc (FMNB) Key Ratios
$15.56
As on 18-Sep-2026 16:03EDT
Market cap
$922 Mln
Revenue (TTM)
$286 Mln
P/E Ratio
10.6
P/B Ratio
1.2
Div. Yield
4.4 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | 0.00 | 4.32 | 3.23 | 9.92 | 13.43 |
| EBIT | 0.00 | 22.38 | 19.55 | 6.30 | 2.62 |
| Net Profit | 0.00 | 16.92 | 18.27 | 5.46 | 2.63 |
| EPS | 0.00 | -1.97 | 7.76 | 0.21 | -4.81 |
| Book Value | -- | -- | 19.25 | 14.49 | 0.88 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Dec-25 | Dec-24 |
| EBIT-Margin
| 24.00 | 30.62 | 25.27 | 23.93 | 20.57 |
| Net Margin
| -- | -- | 20.84 | -- | -- |
| Return on equity
| 12.64 | 8.61 | 9.39 | 12.24 | 11.34 |
| Return on Capital
| 6.58 | 4.93 | -- | 6.61 | 5.59 |
| Return on Assets
| 1.01 | 1.19 | 0.91 | 1.05 | 0.90 |
| Debt to Equity (x)
| -- | -- | 0.12 | 0.76 | 0.96 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
--
|
6.61
|
5.59
|
7.54
|
2.62
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
9.39
Lower than Peers by 0.55
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
9.39
|
12.24
|
11.34
|
14.33
|
2.79
|
|
Peer Median
|
9.95
|
--
|
--
|
--
|
--
|
ROA
0.91
Lower than Peers by 0.08
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
0.91
|
1.05
|
0.90
|
1.09
|
1.47
|
|
Peer Median
|
0.98
|
--
|
--
|
--
|
--
|
EBIT Margin
25.27
Higher than Peers by 4.07
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
25.27
|
23.93
|
20.57
|
27.51
|
40.94
|
|
Peer Median
|
21.20
|
--
|
--
|
--
|
--
|
Net Margin
20.84
Higher than Peers by 0.28
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
20.84
|
20.08
|
17.05
|
23.41
|
34.06
|
|
Peer Median
|
20.56
|
--
|
--
|
--
|
--
|
Cash Profit Margin
0.00
Higher than Peers by 0.00
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
0.00
|
--
|
--
|
--
|
--
|
|
Peer Median
|
0.00
|
--
|
--
|
--
|
--
|
Revenue Growth
3.23
Lower than Peers by 7.69
Year on year growth in net sales
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
3.23
|
0.01
|
0.26
|
0.20
|
0.15
|
|
Peer Median
|
10.92
|
--
|
--
|
--
|
--
|
EBIT Growth
19.55
Higher than Peers by 31.09
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
19.55
|
17.35
|
-5.57
|
-19.41
|
17.26
|
|
Peer Median
|
-11.54
|
--
|
--
|
--
|
--
|
Net Profit Growth
18.27
Higher than Peers by 11.68
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
18.27
|
18.80
|
-7.98
|
-17.60
|
16.88
|
|
Peer Median
|
6.59
|
--
|
--
|
--
|
--
|
EPS Growth
7.76
Higher than Peers by 2.45
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
7.76
|
0.18
|
-0.08
|
-0.25
|
0.10
|
|
Peer Median
|
5.32
|
--
|
--
|
--
|
--
|
Book Value Growth
50.15
Higher than Peers by 41.33
Year on year growth in book value per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
50.15
|
--
|
--
|
--
|
--
|
|
Peer Median
|
8.82
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
0.12
Lower than Peers by 0.08
Total debt / Net worth
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
0.12
|
0.76
|
0.96
|
1.10
|
0.63
|
|
Peer Median
|
0.20
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
0.46
--
(Short term borrowings / Net worth)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
0.46
|
0.58
|
0.75
|
0.88
|
0.33
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
0.46
Higher than Peers by 0.17
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
0.46
|
0.33
|
0.14
|
0.29
|
0.35
|
|
Peer Median
|
0.28
|
--
|
--
|
--
|
--
|
Quick Ratio
0.46
Higher than Peers by 0.12
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
0.46
|
--
|
--
|
--
|
0.35
|
|
Peer Median
|
0.34
|
--
|
--
|
--
|
--
|
Interest Coverage
1.76
Lower than Peers by 0.02
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
1.76
|
0.71
|
0.56
|
0.78
|
4.06
|
|
Peer Median
|
1.78
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
--
--
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
7.03
|
--
|
--
|
--
|
--
|
Asset Turnover
0.04
Lower than Peers by 0.00
Sales / Average Total Assets
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
0.04
|
0.05
|
0.05
|
0.05
|
0.04
|
|
Peer Median
|
0.05
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
--
|
--
|
--
|
0.64
|
1.40
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
--
|
--
|
--
|
31,077.51
|
68,179.90
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
10.59
Lower than Peers by 1.95
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
10.59
|
9.20
|
11.63
|
10.85
|
7.94
|
|
Peer Median
|
12.53
|
--
|
--
|
--
|
--
|
Price / Book Value
1.18
Lower than Peers by 0.12
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
1.18
|
1.03
|
1.32
|
1.34
|
1.65
|
|
Peer Median
|
1.30
|
--
|
--
|
--
|
--
|
Dividend Yield
4.35
Higher than Peers by 1.91
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
4.35
|
--
|
--
|
--
|
--
|
|
Peer Median
|
2.44
|
--
|
--
|
--
|
--
|
EV/EBITDA
--
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
--
|
-6.88
|
4.43
|
-5.84
|
-8.04
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Market Cap
922
Higher than Peers by 629
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Farmers National Banc (FMNB)
|
922
|
--
|
--
|
--
|
--
|
|
Peer Median
|
293
|
--
|
--
|
--
|
--
|