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FARMERS NATIONAL BANC CORP /OH/

FMNB

$15.68 ▼ -0.13 (-0.85%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

FARMERS NATIONAL BANC CORP /OH/ shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $587.1M

Dividend Yield 4.34%

Revenue Growth 10.9% ↗

Op. Margin 34.5% ↗

ROIC None

FCF / Share None

Trailing P/E 10.7x

Price / Book 1.2x

FCF Yield —

Debt / Equity 0.76

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$188.57M

↑ +10.9% —

Net Income Profit after all expenses

$54.59M

↑ +18.8% —

Operating Margin Operating profit as % of sales

34.5%

↑ +5.8% 90th

Long-Term Debt Long-term obligations

$86.73M

↑ +0.7% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns →

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.68 Latest / share

+0.0% YoY

+0.0% 2-yr CAGR

FY 2014

FY 2015

FY 2016

FY 2017

FY 2018

FY 2019

FY 2020

FY 2021

FY 2022

FY 2023

$0.68

FY 2024

$0.68

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	10.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+81%)	-5.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-189%)	6.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+12%)	15.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+153%)	10.5% Good → Good Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+74%)	19.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+221%)	6.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+12%)	6.5% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+8%)	6.9% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+16%)	34.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+471%)	31.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+429%)	3.7% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-39%)	0.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-89%)	0.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-88%)	-2.8% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-147%)	18.7% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+211%)	—	—
EPS Growth YoY (%)	18.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-8.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-25.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.6% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	20.3% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	14.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	9.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	43.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	7.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	111.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-25.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	17.1% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-22.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	6.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-24.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	50.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	18.8% Good ↑ Good Improving Year-over-year change in net income	-8.0% Weak ↓ Weak Declining Year-over-year change in net income	-17.6% Weak ↓ Weak Declining Year-over-year change in net income	16.9% Good → Good Stable Year-over-year change in net income	23.8% Good → Good Stable Year-over-year change in net income	17.1% Good ↓ Good Declining Year-over-year change in net income	9.8% Fair ↓ Fair Declining Year-over-year change in net income	43.4% Excellent ↓ Excellent Declining Year-over-year change in net income	10.5% Fair ↓ Fair Declining Year-over-year change in net income	155.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-10.2% Weak ↓ Weak Declining Year-over-year change in net income	15.2% Good ↑ Good Improving Year-over-year change in net income	-21.7% Weak ↓ Weak Declining Year-over-year change in net income	7.7% Fair ↓ Fair Declining Year-over-year change in net income	2.5% Caution Caution Year-over-year change in net income	53.9% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.2% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	10.7% Good ↓ Good Declining Compound annual revenue growth over 3 years	14.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	12.0% Good ↑ Good Improving Compound annual revenue growth over 3 years	10.6% Good ↓ Good Declining Compound annual revenue growth over 3 years	6.7% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	15.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	23.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	22.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	11.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	1.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.5% Weak Weak Compound annual revenue growth over 3 years	5.1% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	7.3% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	8.9% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.6% Good → Good Stable Compound annual revenue growth over 5 years	11.5% Good ↓ Good Declining Compound annual revenue growth over 5 years	9.9% Good ↓ Good Declining Compound annual revenue growth over 5 years	14.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	16.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	15.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	14.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	13.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	6.1% Fair Fair Compound annual revenue growth over 5 years	3.9% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-6.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-11.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-3.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	11.5% Good ↓ Good Declining Compound annual EPS growth over 3 years	14.7% Good ↓ Good Declining Compound annual EPS growth over 3 years	21.8% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	19.3% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	48.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	19.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	22.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-12.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-1.4% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-14.7% Weak Weak Compound annual EPS growth over 3 years	6.4% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	34.5% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	32.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	32.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	43.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+73%)	42.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	38.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	38.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	36.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	33.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	30.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	15.5% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	22.5% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	—	—	—	—	—	—
Effective Tax Rate (%) (%)	16.1% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.1% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.8% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.7% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.5% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.7% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.7% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.7% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—
Profit Margin (%) (%)	28.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	27.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	27.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	36.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	35.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+61%)	31.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	32.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	31.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	23.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	22.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	11.8% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	17.4% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	15.6% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	20.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	18.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	17.8% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	13.7% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	11.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	11.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	12.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	20.7% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+73%)	11.0% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	12.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	9.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	9.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	4.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-66%)	7.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	6.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	8.2% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	8.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	10.2% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	7.2% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.76x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-37%)	0.96x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-20%)	1.10x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-9%)	0.63x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-48%)	0.19x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.23x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	0.41x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-66%)	0.96x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-20%)	1.23x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	1.00x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-17%)	1.25x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.71x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-41%)	0.90x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-25%)	0.75x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-38%)	0.96x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-20%)	1.48x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+23%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$5.04	$4.56	$4.81	$4.97	$5.01	$4.68	$4.00	$3.76	$3.54	$3.36	$3.00	$2.77	$2.65	$2.63	$2.69	—	—	—
Basic EPS, GAAP (USD)	$1.46	$1.23	$1.34	$1.79	$1.78	$1.48	$1.29	$1.18	$0.82	$0.76	$0.36	$0.48	$0.41	$0.53	$0.50	$0.66	$0.44	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.68	$0.68	—	—	—	—	—	—	—	—	—	—	—	—	—	$0.12	$0.36	—
Book Value per Share (USD)	$12.90	$10.80	$10.78	$8.58	$13.94	$12.38	$10.79	$9.48	$8.78	$7.84	$8.73	$6.62	$6.02	$6.43	$6.26	—	—	—
Tangible Book Value per Share (USD)	$7.98	$5.80	$6.32	$5.80	$11.16	$10.76	$9.41	$8.10	$7.40	$6.48	$7.19	$6.32	$5.47	$6.11	$5.91	—	—	—
Basic Weighted Avg Shares (shares)	37.44M	37.33M	37.38M	33.84M	29.17M	28.27M	27.73M	27.67M	27.57M	27.18M	22.68M	18.67M	18.77M	18.79M	18.27M	—	—	—
Dividend Payout Ratio (%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	18.2% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	81.8% Caution Caution Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$86.73M	$86.15M	$88.66M	$88.21M	$87.76M	$76.39M	$45.15M	$6.03M	$6.99M	$15.04M	$22.15M	$18.38M	$19.82M	$10.42M	$11.26M	$24.73M	—	—
Total Equity (USD)	$485.73M	$406.03M	$404.42M	$292.30M	$472.43M	$350.10M	$299.31M	$262.32M	$242.07M	$213.22M	$198.05M	$123.56M	$113.01M	$120.79M	$114.44M	$88.05M	$80.63M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$188.57M	$170.08M	$179.65M	$168.37M	$146.18M	$132.35M	$110.98M	$104.00M	$97.70M	$91.36M	$68.04M	$51.64M	$49.81M	$49.48M	$49.14M	$50.58M	$42.62M	—
Depreciation Expense (USD)	$6.78M	$6.40M	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income, GAAP (USD)	$54.59M	$45.95M	$49.93M	$60.60M	$51.84M	$41.88M	$35.76M	$32.57M	$22.71M	$20.56M	$8.05M	$8.96M	$7.78M	$9.93M	$9.22M	$8.99M	$5.84M	—
Operating Cash Flow (USD)	$60.04M	$66.61M	$62.31M	$80.74M	$54.93M	$49.07M	$38.76M	$39.99M	$30.57M	—	—	—	$14.25M	$10.97M	$13.99M	$17.94M	$5.21M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.7%	2.5%	2.7%	3.0%	2.6%	3.1%	3.4%	3.4%	3.4%	3.5%	2.7%	3.2%	3.2%	3.2%	3.4%	3.8%	—	—
Efficiency Ratio (%) (%)	61.8%	62.7%	62.2%	56.1%	54.2%	55.1%	59.0%	60.3%	62.6%	65.1%	79.3%	73.9%	78.4%	72.3%	68.6%	61.2%	69.6%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

FARMERS NATIONAL BANC CORP /OH/

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