Farmers National Banc Corp (FMNB) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Farmers National Banc reported revenue of $188.6M, up 10.9% from $170.1M the year before. Net income was $54.6M (a 28.9% net margin), or $1.45 per diluted share. Net interest income was $142.4M, and the efficiency ratio (noninterest expense / revenue) was 61.8%. Operating activities generated $60.0M of cash, leaving $52.2M of free cash flow. At fiscal year end, Farmers National Banc held $5.25B in total assets against $4.76B in total liabilities.
Open the full interactive Farmers National Banc financials → Quarterly statements, key ratios, valuation history and price charts.
Farmers National Banc Key Stats
| Share Price | $15.00 |
|---|---|
| Market Cap | $888.3M |
| P/E Ratio | 10.3 |
| Dividend Yield | 3.28% |
| Revenue YoY Growth | +10.9% |
| 52-Week Range | $12.02 – $16.19 |
| Shares Outstanding | 59.0 million (basic, 2026 Q2) |
Farmers National Banc Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $96.2M | $108.0M | $124.2M | $137.8M | $128.4M | $142.4M |
| Provision for Credit Losses | $9.1M | $4.9M | $1.1M | $9.2M | $8.2M | $7.3M |
| Noninterest Income | $37.2M | $38.2M | $44.2M | $41.9M | $41.7M | $46.1M |
| Noninterest Expense | $74.0M | $79.2M | $94.4M | $111.8M | $106.7M | $116.5M |
| Revenue | $133.3M | $146.2M | $168.4M | $179.6M | $170.1M | $188.6M |
| Pre-Tax Income | $50.3M | $62.1M | $72.8M | $58.7M | $55.4M | $65.0M |
| Income Tax | $8.4M | $10.3M | $12.2M | $8.8M | $9.5M | $10.5M |
| Net Income | $41.9M | $51.8M | $60.6M | $49.9M | $45.9M | $54.6M |
| Diluted EPS | $1.47 | $1.77 | $1.79 | $1.33 | $1.22 | $1.45 |
Farmers National Banc Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $47.7M | $49.1M | $56.3M | $70.4M |
| Net Income | $12.5M | $14.6M | $16.3M | $23.0M |
| Diluted EPS | $0.33 | $0.39 | $0.36 | $0.39 |
Farmers National Banc Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $2.06B | $2.30B | $2.38B | $3.16B | — | — |
| Total Assets | $3.07B | $4.14B | $4.08B | $5.08B | $5.12B | $5.25B |
| Deposits | $2.61B | $3.55B | $3.56B | $4.18B | $4.27B | $4.34B |
| Total Long-Term Debt | $76.4M | $87.8M | $88.2M | $88.7M | $86.2M | $86.7M |
| Total Liabilities | $2.72B | $3.67B | $3.79B | $4.67B | $4.71B | $4.76B |
| Shareholders' Equity | $350.1M | $472.4M | $292.3M | $404.4M | $406.0M | $485.7M |
Farmers National Banc Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $50.0M | $54.9M | $83.7M | $62.3M | $66.6M | $60.0M |
| Cash From Investing | -$160.8M | -$423.6M | -$208.5M | $77.9M | -$95.1M | -$78.8M |
| Cash From Financing | $294.7M | $226.8M | $87.5M | -$112.1M | $10.6M | $25.4M |
| Free Cash Flow | $46.3M | $53.6M | $78.2M | $58.4M | $54.9M | $52.2M |
| Dividends Paid | — | — | — | — | — | $25.5M |
Figures from Farmers National Banc's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Farmers National Banc financials page for every line item.
Farmers National Banc Company Profile
| Ticker | FMNB |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Canfield, Ohio |
| Incorporated in | Ohio |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0000709337 |
Frequently Asked Questions
What was Farmers National Banc's revenue in fiscal 2025?
Farmers National Banc (FMNB) reported revenue of $188.6M for fiscal 2025.
What is Farmers National Banc's annual revenue history?
Farmers National Banc's annual revenue by fiscal year: 2020: $133.3M; 2021: $146.2M; 2022: $168.4M; 2023: $179.6M; 2024: $170.1M; 2025: $188.6M.
What was Farmers National Banc's net income in fiscal 2025?
Farmers National Banc reported net income of $54.6M for fiscal 2025.
What was Farmers National Banc's earnings per share (EPS) in fiscal 2025?
Farmers National Banc's diluted EPS was $1.45 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Farmers National Banc generate in fiscal 2025?
Farmers National Banc generated $52.2M of free cash flow in fiscal 2025.
What was Farmers National Banc's revenue last quarter?
In its most recent reported quarter (2026 Q2), Farmers National Banc reported revenue of $70.4M.
How much debt does Farmers National Banc have?
Farmers National Banc reported $86.7M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Farmers National Banc are outstanding?
Farmers National Banc reported a weighted average of 59.0 million basic shares outstanding in 2026 Q2.
What is Farmers National Banc's market cap?
Based on its latest closing price, Farmers National Banc (FMNB) has a market capitalization of about $888.3M.
When does Farmers National Banc's fiscal year end?
Farmers National Banc's fiscal year end, as registered with the SEC, is December 31.
Where is Farmers National Banc headquartered?
Farmers National Banc lists its business address in Canfield, Ohio in its SEC filings.