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Farmers National Bank/$FMNB

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About Farmers National Bank

Farmers National Banc Corp is a financial holding company based in the U.S. Along with its subsidiaries, it operates in the domestic banking, trust, retirement consulting, insurance, and financial management industries. The group offers a full range of commercial and retail banking services, including checking accounts, savings accounts, time deposit accounts, commercial, mortgage, and installment loans, safe deposit boxes, ATMs, internet banking, and other banking services. Additionally, it offers personal and corporate trust services in the areas of estate settlement, trust administration, employee benefit plans, and retirement services; insurance products, and other financial products and services. The group's reportable segments are Bank, which generates the maximum revenue, and Trust.
Ticker
$FMNB
Sector
Finance
Primary listing
NASDAQ
Employees
706

FMNB Metrics

BasicAdvanced
$927M
10.52
$1.49
0.78
$0.69
4.60%

What the Analysts think about FMNB

Analyst ratings (Buy, Hold, Sell) for Farmers National Bank stock.
Analyst projections of the future price of Farmers National Bank stock.

Bulls say / Bears say

The Middlefield acquisition expanded FMNB’s scale, lifting assets to $7.14 billion at June 2026 from $5.25 billion at year-end 2025. Second-quarter net income also rose to $23.0 million from $13.9 million a year earlier, giving the enlarged group a broader platform for growth. (Farmers National Bank)
Underlying earnings momentum improved: net interest margin excluding acquisition marks increased to 3.28% from 2.77% a year earlier, while second-quarter commercial loan fundings rose 181% from the first quarter to about $175 million. That points to stronger lending activity as well as better spread income. (Farmers National Bank)
The board raised the quarterly dividend 5.6% to $0.18 per share, extending a record of increasing shareholder distributions. The higher payout supports FMNB’s appeal to investors seeking income. (Farmers National Bank)
The 3.44% second-quarter net interest margin may not be sustainable: it benefited from greater acquisition-mark accretion and a $1 million loan prepayment penalty. Management expects the margin to settle at 3.34%–3.37% in the third quarter. (Farmers National Bank)
Credit quality still warrants attention despite a sequential improvement: non-performing loans were $44.6 million at June-end, above the $26.2 million level at year-end, while annualised net charge-offs rose to 0.30% from 0.07% a year earlier. A weaker local economy could put further pressure on borrowers and loan-loss costs. (Farmers National Bank)
Integration and technology-conversion costs are weighing on efficiency: second-quarter non-interest expenses rose to $40.9 million from $27.2 million a year earlier, including $1.7 million of acquisition and conversion costs. Savings depend on completing the conversion and delivering the expected merger synergies. (Farmers National Bank, SEC)
Data summarised monthly by Lightyear AI. Last updated on 22 Oct 2026.

FMNB Financial Performance

Revenues and expenses
Income statement
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
Net income
Profit margin

FMNB Earnings Performance

Company profitability
Earnings per share
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
Expected
Surprise
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