Farmers National Banc Corp. operates as a diversified financial services holding company, engaging in banking, trust administration, retirement planning, insurance, and financial ...
Farmers National Banc Corp. (FMNB) is a financial holding company that provides a comprehensive range of banking, trust, retirement planning, insurance, and financial management services. Founded in 1887, the company operates through its wholly-owned subsidiary, The Farmers National Bank of Canfield, and has grown to $7.2 billion in banking assets. ...Farmers National Banc Corp. (FMNB) is a financial holding company that provides a comprehensive range of banking, trust, retirement planning, insurance, and financial management services. Founded in 1887, the company operates through its wholly-owned subsidiary, The Farmers National Bank of Canfield, and has grown to $7.2 billion in banking assets. The company offers a wide array of deposit products including checking, savings, and certificate of deposit accounts, as well as lending solutions such as commercial, mortgage, personal installment, and home equity loans. Additionally, it provides ancillary services like online banking, ATM access, and brokerage offerings. The trust division handles estate settlement, trust oversight, and employee benefit plans, while specialized retirement consulting and insurance products (including property and casualty coverage) are also available. Strategically investing in municipal securities, the company maintains a strong presence in Ohio and Pennsylvania. With a workforce of 706 employees, the company is led by CEO Kevin J. Helmick and has demonstrated solid financial performance, including a market cap of approximately $698 million, a P/E ratio of 10.9, and a dividend yield of 4.3%. The company's commitment to community banking is reflected in its long history and focus on personal customer service. Recent initiatives, such as partnering with MANTL for online account opening, indicate a forward-looking approach to enhancing operational efficiency and customer experience.
YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.
QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).
$271.8M
+0.9%
0.0%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.
$54.6M
+18.8%
0.0%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.
+63.8%
+6.0%
0.0%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).
+23.9%
+16.3%
0.0%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.
+20.1%
+17.8%
0.0%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.
$52.2M
-5.0%
+265.9%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.
+19.2%
-5.8%
+265.9%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.
75.7%
-21.4%
-0.2%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.
0.33x
+129.4%
+309.0%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.