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FMNB · Nasdaq · United States · State Commercial Banks
In shortFARMERS NATIONAL BANC CORP /OH/ is profitable.
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 19.5% | 98/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 12.2% | 61/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 18.6% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 0.96× | n/a |
| Years with positive free cash flow (last 5) | 5 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 3 | 100/100 |
| Revenue growth volatility | 18.6% | 42/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | 14.5% | 97/100 |
|---|---|---|
| EPS growth, 3-year average | -6.8% | 0/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | – | 186 | 255 | 269 | 280 |
| Interest expense | 8.5 | 18 | 76 | – | – |
| Pre-tax income | 62 | 73 | 59 | 55 | 65 |
| Income tax | 10 | 12 | 8.8 | 9.5 | 10 |
| Net income | 52 | 61 | 50 | 46 | 55 |
| Diluted EPS | $1.77 | $1.79 | $1.33 | $1.22 | $1.45 |
| Diluted shares (millions) | 29 | 34 | 37 | 38 | 38 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
Not computed: the model does not apply to banks and insurers.
7/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 6, 2026