Obermatt

Farmers National

NAQ:FMNB · US3096271073
BanksSmall

360

97
Profit price89
Cash yield95
Price/Sales57
EV / Gross Profit15
Price/Book66
Returns on capital26
Profit margins
Cash Conversion23
Accruals69
Owner Earnings Margin57
Sales growth95
Profit Growth57
Owner Earnings Growth74
Reinvestment94
Price momentum8
Debt load18
Debt serviceability83
Liquidity51
Analyst ratings59
Opinion Changes50
Price Target Upside85
Market mood1
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Farmers National clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQCM
Founded1982
ISINUS3096271073
Last UpdateApr 2, 2026
Themes
BankingFinanceFinancial Services

Description

Farmers National Banc Corp. (Farmers) operates as a bank holding company for The Farmers National Bank of Canfield (the bank or Farmers Bank) that engages in the banking, trust, retirement consulting, insurance, and financial management businesses.…

Analysis

Bargain bin

Farmers National Banc Corp. falls in the bargain bin: the price is low relative to peers, but the business metrics give reason to pause.

The price is attractive. You pay 14.4× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly 2% yearly growth; analysts expect 14%. The price, in other words, assumes less than the experts do.

The trajectory is solid and accelerating and the balance sheet is stretched. The company scores 13/20 on our value-creation score: creating some value. Analysts lean positive.

What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
80
2023202420252026

All-time high

100

Mar 2026

All-time low

26

Jan 2025

Average rank

70

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
57
64
50
71
Price/Earnings
87
85
56
86
Price/Book
66
26
5
33
Dividend Yield
95
88
90
97
Value (overall)
83
81
48
87

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →