InsiderClue
Stocks · Financials · State Commercial Banks

FARMERS NATIONAL BANC CORP /OH/

FMNB Clue Score55
United States Fiscal year ends December CIK 0000709337
$14.97 -1.51% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $14.97 −9.98% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income20.6EPS, diluted0.76Fiscal year 2017Net income22.7 +10.5%EPS, diluted0.82 +7.9%Fiscal year 2018Net income32.6 +43.4%EPS, diluted1.16 +41.5%Fiscal year 2019Net income35.8 +9.8%EPS, diluted1.28 +10.3%Fiscal year 2020Net income41.9 +17.1%EPS, diluted1.47 +14.8%Fiscal year 2021Net income51.8 +23.8%EPS, diluted1.77 +20.4%Fiscal year 2022Revenue186.3Net income60.6 +16.9%EPS, diluted1.79 +1.1%Fiscal year 2023Revenue255.2 +37.0%Net income49.9 −17.6%EPS, diluted1.33 −25.7%Fiscal year 2024Revenue269.4 +5.6%Net income45.9 −8.0%EPS, diluted1.22 −8.3%Fiscal year 2025Revenue279.9 +3.9%Net income54.6 +18.8%EPS, diluted1.45 +18.9%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a n/a n/a n/a n/a n/a 186.3 255.2 269.4 279.9
Growth +37.0% +5.6% +3.9%
Net income 20.6 22.7 32.6 35.8 41.9 51.8 60.6 49.9 45.9 54.6
Growth +10.5% +43.4% +9.8% +17.1% +23.8% +16.9% −17.6% −8.0% +18.8%
EPS, diluted 0.76 0.82 1.16 1.28 1.47 1.77 1.79 1.33 1.22 1.45
Growth +7.9% +41.5% +10.3% +14.8% +20.4% +1.1% −25.7% −8.3% +18.9%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Fiscal year 2018Fiscal year 2019Fiscal year 2020Fiscal year 2021Fiscal year 2022Net margin32.5%Free cash flow margin42.4%Fiscal year 2023Net margin19.6%Free cash flow margin23.1%Fiscal year 2024Net margin17.1%Free cash flow margin20.4%Fiscal year 2025Net margin19.5%Free cash flow margin18.6%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a n/a n/a n/a n/a n/a 32.5% 19.6% 17.1% 19.5%
Free cash flow margin n/a n/a n/a n/a n/a n/a 42.4% 23.1% 20.4% 18.6%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow24.5Capital expenditure−0.8Free cash flow23.7Buybacks−0.2Dividends paid−4.3Fiscal year 2017Operating cash flow30.6Capital expenditure−1.0Free cash flow29.6 +24.9%Buybacks0.0Dividends paid−6.0Fiscal year 2018Operating cash flow38.8Capital expenditure−0.5Free cash flow38.3 +29.4%Buybacks0.0Dividends paid−8.3Fiscal year 2019Operating cash flow38.8Capital expenditure−1.5Free cash flow37.3 −2.6%Buybacks−2.8Dividends paid−10.5Fiscal year 2020Operating cash flow49.1Capital expenditure−3.7Free cash flow45.4 +21.6%Buybacks−14.2Dividends paid−12.7Fiscal year 2021Operating cash flow54.9Capital expenditure−1.4Free cash flow53.6 +18.0%Buybacks−0.2Dividends paid−14.1Fiscal year 2022Operating cash flow81.5Capital expenditure−2.6Free cash flow78.9 +47.4%Buybacks0.0Dividends paid−22.0Fiscal year 2023Operating cash flow62.9Capital expenditure−3.9Free cash flow59.0 −25.2%Buybacks−11.5Dividends paid−25.4Fiscal year 2024Operating cash flow66.6Capital expenditure−11.7Free cash flow54.9 −7.0%Buybacks0.0Dividends paid−25.4Fiscal year 2025Operating cash flow60.0Capital expenditure−7.9Free cash flow52.2 −5.0%Buybacks0.0Dividends paid−25.5
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 24.5 30.6 38.8 38.8 49.1 54.9 81.5 62.9 66.6 60.0
Capital expenditure −0.8 −1.0 −0.5 −1.5 −3.7 −1.4 −2.6 −3.9 −11.7 −7.9
Free cash flow 23.7 29.6 38.3 37.3 45.4 53.6 78.9 59.0 54.9 52.2
Growth +24.9% +29.4% −2.6% +21.6% +18.0% +47.4% −25.2% −7.0% −5.0%
Buybacks −0.2 0.0 0.0 −2.8 −14.2 −0.2 0.0 −11.5 0.0 0.0
Dividends paid −4.3 −6.0 −8.3 −10.5 −12.7 −14.1 −22.0 −25.4 −25.4 −25.5

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Total debt
Fiscal year 2016Total debt15.0Shareholders’ equity213.2Debt to equity0.07Fiscal year 2017Total debt7.0Shareholders’ equity242.1Debt to equity0.03Fiscal year 2018Total debt6.0Shareholders’ equity262.3Debt to equity0.02Fiscal year 2019Total debt45.1Shareholders’ equity299.3Debt to equity0.15Fiscal year 2020Total debt76.4Shareholders’ equity350.1Debt to equity0.22Fiscal year 2021Total debt87.8Shareholders’ equity472.4Debt to equity0.19Fiscal year 2022Total debt88.2Shareholders’ equity292.3Debt to equity0.30Fiscal year 2023Total debt88.7Shareholders’ equity404.4Debt to equity0.22Fiscal year 2024Total debt86.2Shareholders’ equity406.0Debt to equity0.21Fiscal year 2025Total debt86.7Shareholders’ equity485.7Debt to equity0.18
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Total debt 15.0 7.0 6.0 45.1 76.4 87.8 88.2 88.7 86.2 86.7
Shareholders’ equity 213.2 242.1 262.3 299.3 350.1 472.4 292.3 404.4 406.0 485.7
Debt to equity 0.07 0.03 0.02 0.15 0.22 0.19 0.30 0.22 0.21 0.18

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a n/a n/a n/a n/a n/a 39.1% 23.0% 20.6% 23.2%
n/a n/a n/a n/a n/a n/a 32.5% 19.6% 17.1% 19.5%
n/a n/a n/a n/a n/a n/a 42.4% 23.1% 20.4% 18.6%
Spending
n/a n/a n/a n/a n/a n/a 1.4% 1.5% 4.3% 2.8%
26.7% 31.5% 14.9% 17.0% 16.7% 16.5% 16.8% 14.9% 17.1% 16.1%
Returns
9.6% 9.4% 12.4% 11.9% 12.0% 11.0% 20.7% 12.3% 11.3% 11.2%
1.0% 1.1% 1.4% 1.5% 1.4% 1.3% 1.5% 1.0% 0.9% 1.0%
Balance and payout
0.07 0.03 0.02 0.15 0.22 0.19 0.30 0.22 0.21 0.18
89.2% 88.8% 88.7% 87.8% 88.6% 88.6% 92.8% 92.0% 92.1% 90.7%
21.0% 26.5% 25.5% 29.5% 30.2% 27.1% 36.3% 50.9% 55.3% 46.7%
19.0% 20.3% 21.7% 35.9% 59.3% 26.6% 27.9% 62.6% 46.2% 48.8%