FMNB
FARMERS NATIONAL BANC CORP /OH/
Financials • CIK: 0000709337
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Market Cap
$539.10M
P/E (TTM)
10.0x
Rev Growth (TTM)
+13.3%
Net Margin (TTM)
19.6%
FCF Yield (TTM)
7.7%
FCF Margin (TTM)
15.0%
Cash Flow Health
Free Cash Flow8/8 positive
TTM$42M
Q3 '25
$9M-27%
Q2 '25
$12M+2%
FCF Margin
TTM15.0%
Q3 '2512.8%-28%
Sector: 22.2%Below Avg
OCF Margin19.0%
OCF/NI0.97x
CapEx Coverage4.7x
FCF Yield7.7%
FCF Growth (2Y)-15%
Cash Conversion Cycle
0 days
DSO: 0+DIO: –−DPO: –
Capital Allocation & Returns
Total Shareholder Yield
TTM0.0%
Div Yield0.0%
Insufficient data
Dividend & Payout Metrics
Dividend Yield (TTM)0.0%
Free Cash Flow (TTM)$41.6M
Stock Repurchases ()$0
Capital Return / FCF0.0%
Est. Dividends Paid (TTM)$0
Shows how management rewards shareholders
Operational Efficiency & Returns
Return on Invested CapitalTTM
–
P25MedianP75
(med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
–
Asset Turnover
0.05x
8Q: 0.05x
Leverage (1+D/E)
1.50x
D/E: 0.50x
Asset & CapEx Efficiency
Fixed Asset Turn
5.16x
8Q:5.29x
+7.8%
CapEx/Depreciation
1.64x
Asset-based ROIC formula
QUARTERLY TRENDS
Last 8 quarters + TTM
| Metric | TTM | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | $277.7M | $70.8M↑1.4% | $69.8M↑3.0% | $67.8M↓2.2% | $69.3M↓1.3% | $70.3M↑5.7% | $66.5M↑4.8% | $63.4M↑41.0% | $45.0M |
Operating Income | $164.2M | $39.1M↓8.3% | $42.6M↑8.6% | $39.3M↓9.0% | $43.1M↓0.1% | $43.2M↑7.8% | $40.0M↑10.1% | $36.4M↑101.9% | $18.0M |
Net Income | $54.3M | $12.5M↓10.4% | $13.9M↑2.4% | $13.6M↓5.6% | $14.4M↑68.6% | $8.5M↓27.6% | $11.8M↑4.8% | $11.2M↓22.9% | $14.6M |
Operating Cash Flow | $52.8M | $10.7M↓23.6% | $14.0M↓10.5% | $15.7M↑26.1% | $12.4M↓48.0% | $23.9M↑43.9% | $16.6M↑21.0% | $13.7M↓5.3% | $14.5M |
Free Cash Flow | $41.6M | $9.0M↓27.3% | $12.4M↑2.1% | $12.2M↑52.5% | $8.0M↓60.9% | $20.4M↑42.1% | $14.4M↑18.2% | $12.2M↓16.0% | $14.5M |
Total Equity | N/A |
Valuation Analysis
Fair Value
Price-to-EarningsTTM
10.0x
Volatile
8Q: 38.2x-168%
Valuation Lenses
Earnings
10.0x
vs – sector
Cash Flow
18.2x
EV/FCF vs –
Growth-Adj
0.6xPEG
Undervalued for growth
Quality-Adj
–P/E per %ROIC
ROIC: –
Shareholder Returns
Dividend
–
Buyback
–
Total Yield
–
Market Cap$539.10M
EV$756.60M
Multi-angle valuation analysis with sector context
Business Quality & Moat
Overall Quality Score
78/100
High Quality
Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)
Returns on Capital
Return on Equity (ROE)Above Avg
12.6%
8Q:–
Return on Invested Capital (ROIC)
–
8Q:–
vs Sector:0.1%
Earnings Quality
Cash Conversion
0.97x
OCF / Net Income
FCF Consistency
–
Positive quarters
Competitive Moat Indicators
Pricing Power
Gross Margin–
Capital Efficiency
Invested Capital Turnover–
Working Capital
Cash Conversion Cycle0 days
Growth Quality & Momentum
Moderate Growth
Growth Quality Score
56/100
Growth 40%
Margins 30%
FCF 20%
Consistency 10%
Growth Rates
Revenue Growth YoY
13.3%
OpInc Growth YoY
-9.4%
EPS Growth YoY
17.1%
FCF 3Y CAGR
-15.3%
Growth Quality Analysis
⚠Working Capital Drag: FCF growth lagging revenue by 28.6%
Margin Quality & Sustainability
Moderate
Profitability Cascade
Gross
—
Operating
—
Net
19.6%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
—
FCF vs Net Gap
-4.6 pts
FCF: 15.0% | Net: 19.6%
Quality = stability + cash conversion + low dilution
Balance Sheet & Solvency
Adequate
Net Debt / EBITDA
–
Interest Coverage
–
Leverage Metrics
Debt-to-Equity
0.50x
Balance sheet risk & solvency analysis