FMNB

Based on Farmers National Banc Corp.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Farmers National Banc Corp. do?

Farmers National Banc Corp. is a financial holding company offering commercial and retail banking, trust and estate administration, retirement consulting, and insurance services. It operates primarily across northeastern Ohio through a network of community branches, serving individuals, businesses, and institutional clients.

Does FMNB pay dividends?

Yes, Farmers National Banc pays a regular dividend. This is consistent with the income-return tradition common among community banks. Investors focused on dividend income may find FMNB relevant, though the overall risk profile should be considered alongside the yield.

When does FMNB report earnings?

Farmers National Banc Corp. reports on a quarterly cadence, as is standard for US-listed bank holding companies. For exact dates and the most recent results, check the investor relations section of the company's official website.

Is FMNB a good stock to buy?

UQS Score rates FMNB as Below Average overall. While Valuation is Attractive and Quality is Good, the Moat, Growth, and Risk pillars are all Weak. Investors should weigh the income potential from dividends against the limited growth outlook and elevated risk factors before deciding.

Is FMNB overvalued?

The UQS Valuation pillar for FMNB is rated Attractive, suggesting the stock is not considered expensive relative to its fundamentals. However, an attractive price alone does not offset concerns in other pillars — particularly Growth and Risk — so context matters.

How does FMNB compare to its competitors?

Compared to peers like Bridgewater Bancshares, Capital Bancorp, and Carter Bankshares, FMNB's community-bank model in Ohio is more traditional and geographically concentrated. Its Attractive Valuation may stand out, but its Weak Moat suggests less competitive differentiation than some regional peers.

What is FMNB's market cap bracket?

Farmers National Banc Corp. is classified as a small-cap company. This places it among smaller publicly traded banks, which typically carry higher liquidity risk and greater sensitivity to local economic conditions than larger regional or national institutions.

Who founded Farmers National Banc Corp.?

Farmers National Banc Corp. traces its origins to 1887, reflecting a long history of community banking in northeastern Ohio. Detailed founding history and leadership information is publicly available through the company's official website and filings.

Is FMNB a long-term quality investment?

As a long-term quality indicator, FMNB's UQS profile presents a mixed picture. The Good Quality pillar offers some reassurance about operational standards, but Weak scores in Moat, Growth, and Risk suggest the bank may struggle to compound value at an above-average rate over time.

What is the main competitive advantage of Farmers National Banc Corp.?

FMNB's primary advantage lies in its deep-rooted community presence across northeastern Ohio, built over more than a century. However, the UQS Moat pillar rates this as Weak, indicating that local relationships alone may not provide durable protection against larger, better-resourced competitors.

Farmers National Banc Corp. shows solid profitability with healthy returns on capital and reasonable margins.

Farmers National Banc Corp. shows steady but unspectacular growth, typical for mature companies.

Farmers National Banc Corp. presents elevated risk with concerns around leverage or financial stability.

Farmers National Banc Corp. appears attractively valued relative to its earnings, cash flows, and sector peers.

Farmers National Banc Corp. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for FMNB.

The UQS (Unified Quality Score) for Farmers National Banc Corp. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Farmers National Banc Corp.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Farmers National Banc Corp. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.