Farmers National Banc Corp (FMNB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Farmers National Banc Corp stock (FMNB) is currently trading at $12.83. Farmers National Banc Corp PE ratio is 8.68. Farmers National Banc Corp PS ratio (Price-to-Sales) is 4.10. Analyst consensus price target for FMNB is $14.67. WallStSmart rates FMNB as Hold.
- FMNB PE ratio analysis and historical PE chart
- FMNB PS ratio (Price-to-Sales) history and trend
- FMNB intrinsic value — DCF, Graham Number, EPV models
- FMNB stock price prediction 2025 2026 2027 2028 2029 2030
- FMNB fair value vs current price
- FMNB insider transactions and insider buying
- Is FMNB undervalued or overvalued?
- Farmers National Banc Corp financial analysis — revenue, earnings, cash flow
- FMNB Piotroski F-Score and Altman Z-Score
- FMNB analyst price target and Smart Rating
Farmers National Banc Corp
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FMNB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Farmers National Banc Corp (FMNB)
FMNB appears undervalued based on the Graham Formula, trading 24% below its estimated fair value of $17.75.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Farmers National Banc Corp (FMNB) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around eps growth. Fundamentals are solid but monitor weak areas for improvement.
Farmers National Banc Corp (FMNB) Key Strengths (3)
Keeps $50 of every $100 in revenue after operating costs
Keeps $30 of every $100 in revenue as net profit
Trading at 1.53x book value, attractively priced
Supporting Valuation Data
Farmers National Banc Corp (FMNB) Areas to Watch (7)
Earnings barely growing at 3.40%
Paying a premium for growth, expensive relative to earnings expansion
Premium valuation at 4.1x annual revenue
Modest revenue growth at 6.70%
Low institutional interest, mostly retail-driven
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Farmers National Banc Corp (FMNB) Detailed Analysis Report
Overall Assessment
This company scores 57/100 in our Smart Analysis, earning a C grade. Out of 10 metrics analyzed, 3 register as strengths (avg 9.3/10) while 7 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.53) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 50.00%, Profit Margin at 30.10%.
The Bear Case
The primary concerns are EPS Growth, PEG Ratio, Price/Sales. Some valuation metrics including PEG Ratio (2.73), Price/Sales (4.10) suggest expensive pricing. Growth concerns include Revenue Growth at 6.70%, EPS Growth at 3.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 6.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (EPS Growth, PEG Ratio). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FMNB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FMNB's Price-to-Sales ratio of 4.10x sits near its historical average of 4.64x (31th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 50% below its historical high of 8.18x set in Jun 2007, and 86% above its historical low of 2.21x in Dec 2010. Over the past 12 months, the PS ratio has expanded from ~2.8x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Farmers National Banc Corp (FMNB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Farmers National Banc Corp is a mature, profitable business with steady cash generation. Revenue reached 182M with 7% growth year-over-year. Profit margins are strong at 30.1%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 30.1% and operating margin of 50.0% demonstrate strong pricing power and operational efficiency.
Generating 11M in free cash flow and 20M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Dividend sustainability with a current yield of 5.4%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 368M is significantly higher than cash (680). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Farmers National Banc Corp.
Bottom Line
Farmers National Banc Corp is a well-established business delivering consistent profitability with 30.1% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(22 last 3 months)
| Insider | Type | Shares |
|---|---|---|
RICHARDSON, GINA A Director | Buy | +441 |
| Insider | Type | Shares |
|---|---|---|
RICHARDSON, GINA A Director | Buy | +1,231 |
| Insider | Type | Shares |
|---|---|---|
MURANSKY, EDWARD Director | Buy | +40,000 |
| Insider | Type | Shares |
|---|---|---|
WALLACE, AMBER B SEVP/Chief Retail & Marketing | Buy | +15 |
| Insider | Type | Shares |
|---|---|---|
WALLACE, AMBER B SEVP/Chief Retail & Marketing | Buy | +14 |
Data sourced from SEC Form 4 filings
Last updated: 10:06:42 AM
About Farmers National Banc Corp(FMNB)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Farmers National Banc Corp. The company is headquartered in Canfield, Ohio.