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FARMERS NATIONAL BANC CORP (FMNB)

Financials · regional banking · NASDAQ

Farmers National Banc Corp. is a community-focused bank holding company providing comprehensive commercial banking, trust, and wealth management services.

What FARMERS NATIONAL BANC CORP does

Farmers National Banc Corp. is a bank holding company that provides a comprehensive suite of financial services through its primary subsidiary, The Farmers National Bank of Canfield. The company offers traditional banking services including commercial and retail loans, various deposit products, trust and wealth management, retirement plan consulting, and insurance services. It operates primarily as a community-oriented financial institution focused on serving individuals and businesses.

Themes: commercial banking, wealth management, retirement services, insurance brokerage, mortgage lending

Fundamentals

  • Price$15.47 as of 2026-10-20 close
  • Market cap$917M as of 2026-07-30 (share count; price 2026-10-20)
  • 1-year return+11.2% 2025-10-20 close $13.91 → 2026-10-20 close $15.47
  • P/E10.45 as of 2026-10-20
  • Net margin+19.5% FY2025, SEC XBRL
  • ROE+11.2% FY2025, SEC XBRL
  • ROICn/a No figure: it is a bank or insurer, whose operating income and debt are not what ROIC divides.
  • Debt / equity0.58 borrowings, leases excluded / equity — 10-Q/10-K balance sheet 2026-06-30
  • Revenue growth (YoY)+3.9% FY2025, SEC XBRL
  • Revenue CAGR (3y)+14.5% SEC XBRL
  • Beta0.65 as of 2026-09-03
  • Last reported earnings2026-07-22 SEC EDGAR Form 8-K (Item 2.02)

Dividend: yield +4.6%; at least 3 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.

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How FMNB compares in its sector

  • price-to-earnings ratiobottom 25% 487 covered Financials peers, as of 2026-10-20
  • net profit marginmiddle range 343 covered Financials peers, as of 2026-09-03
  • return on equitymiddle range 558 covered Financials peers, as of 2026-09-03
  • 3-year revenue CAGRmiddle range 347 covered Financials peers
  • indicated dividend yieldtop 25% 440 covered Financials peers, as of 2026-09-03
  • free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025

Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.

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Dividend coverage (FY2025)

Covered by reported results. In FY2025, FMNB's dividend was covered by reported results (earnings payout 47%, free-cash-flow payout 49%). This describes past coverage, not a forecast.

  • Earnings payout47% dividends / net income
  • Free-cash-flow payout49% dividends / (operating cash flow − capex)

Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.

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Quarterly results

QuarterRevenueNet incomeDiluted EPSOperating cash flowCapex
Q2 FY2026 2026-06-30$101M$23M$0.39$27M†$568000†
Q1 FY2026 2026-03-31$81M$16M$0.36$8M$507000
Q4 FY2025 2025-12-31$72M†$15M†$0.39†$20M†$1M†
Q3 FY2025 2025-09-30$71M$12M$0.33$11M†$2M†
Q2 FY2025 2025-06-30$70M$14M$0.37$14M†$2M†
Q1 FY2025 2025-03-31$68M$14M$0.36$16M$3M
Q4 FY2024 2024-12-31$69M†$14M†$0.38†$12M†$4M†
Q3 FY2024 2024-09-30$70M$9M$0.23$24M†$3M†

† Not filed as a discrete quarter: derived from the company's own year-to-date figures (for example the fourth quarter as the fiscal year minus the first nine months). A derived per-share figure is approximate, because the share count moves within the year.

Balance sheet at 2026-06-30

  • Total debt$455M borrowings only; leases excluded

From the company's own SEC 10-Q and 10-K filings (XBRL), re-read every week. Figures in US dollars as filed; informational only — not financial advice.

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How FARMERS NATIONAL BANC CORP looks technically

FARMERS NATIONAL BANC CORP (FMNB) is trading 8.3% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 97 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 21 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 55, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive). It just made a new 20-day high, its first since 2026-09-18, pushing above its recent trading range. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 4% of the past ~6 months), which often precedes a bigger move.

Trend

8
Distance from the 200-dayit is trading 8.3% above its 200-day average, the long-term trend line — a longer-term uptrend+8.3%
50-day moving averageits average price over the last 50 trading days — a short-term trend line — is $15.55$15.55
200-day moving averageits average price over the last 200 trading days — the long-term trend line — is $14.29$14.29
Swing structureeach recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes nextlower highs and lower lows
Last swing turnits last significant turn was a swing low 19 calendar days ago — the swings before that are what the structure reading is measured on19 sessions
Wave structureits recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 14.81. It is the only labelling that fits, and it describes the swings already printed, not what comes next.possible three-wave downward correction, complete
Since the 50/200 crossits 50-day average crossed above its 200-day average about 97 trading days ago — a "golden cross", a bullish long-term signal97 sessions
Trend strength (14-day ADX)a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 21 (a reading of 25+ marks a strong trend)21.3

Momentum

3
14-day RSImomentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 55, neither overbought (above 70) nor oversold (below 30)54.7
Position in its 14-day rangeit is trading near the top of its 14-day range ($14.78 to $15.62) — its "stochastic" reading is 82 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions.82.1
Since the MACD crossed zeroMACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive)3 sessions

Range

12
52-week highits highest closing price over the past year (about 252 trading days) was $16.46$16.46
From the 52-week highit is 6.0% below its 52-week high (its highest price of the past year)-6.0%
Above the 52-week lowit is 27.5% above its 52-week low (its lowest price of the past year)+27.5%
Below the 52-week highit is 6.0% below its highest point of the past year6.0%
Since a 20-day breakoutit just made a new 20-day high, its first since 2026-09-18, pushing above its recent trading range1 session
Since a 55-day breakoutit made a new 55-day low about 5 trading days ago5 sessions
All-time highits highest closing price on record is $20.00 (set on 2022-01-10)$20.00
Given back of the 52-week moveover the past year its closes ranged ($12.30 to $16.38), and it has given back roughly a quarter of its rise from last year’s low — 22% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $13.73 to $13.86. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast.22.3%
From the all-time highit is 22.6% below its all-time high-22.6%
Nearest price levelit is sitting right on a support level at $15.46 — a price it turned at four times since 2024-12-02, most recently on 2026-09-01. Since 2024-10-21 it has 8 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go.-0.0%
All-time lowits lowest closing price on record is $3.25 (set on 2011-01-10)$3.25
Above the all-time lowit is 376.0% above its all-time low+376.0%

Volatility

5
Band width vs its own 6 monthsday-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 4% of the past ~6 months), which often precedes a bigger move4th percentile
Typical daily rangein a typical session it travels about $0.2796 between its high and its low — about 1.8% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was$0.2796
Bollinger bands (20-day, ±2σ)most of its recent trading has stayed between about $14.91 and $15.48 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles$14.91 – $15.19 – $15.48
Typical daily range (% of price)its price moves about 1.8% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price1.8%
Stretch from the 200-day averageit is trading 4.2 daily ranges above its 200-day average price (8.3% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale4.2 daily ranges above its 200-day average

Volume

1
Volume vs its 30-day averagetrading volume is about normal versus its 30-day average0.68×

Analyst

2
Change in the average price targetanalysts' average price target is unchanged from the prior reading0.0%
Change in the consensus ratingnot available for this company yetn/a

Candlestick patterns

1
Since a doji8 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level8 sessions ago

Price gaps

1
Gap at the openit opened on 2026-10-20 0.3% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and had not traded back through that level by the close+0.3%

Price streaks

1
Closing streakit closed higher in its latest session, after a session that did not close higher — a single up day rather than a run1 session up

Relative strength

4
vs market, 1 monthover the past 1 month this stock lagged the market by 1.5 percentage points (the stock lost 0.6% while the market gained 1.0%)-1.5%
vs market, 3 monthsover the past 3 months this stock beat the market by 2.4 percentage points (the stock gained 6.0% while the market gained 3.6%)+2.4%
vs market, 6 monthsover the past 6 months this stock beat the market by 1.8 percentage points (the stock gained 10.3% while the market gained 8.5%)+1.8%
vs market, 12 monthsover the past 12 months this stock lagged the market by 3.3 percentage points (the stock gained 11.2% while the market gained 14.6%)-3.4%

Signal agreement

2
Bullish technical signals5 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, a fresh 20-day high, MACD momentum is positive, outperforming the market over 6 months — these describe past price behaviour, not a forecast5 of 9
Bearish technical signals1 of the 9 technical signals we can compute for it is currently in a bearish state: near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast1 of 9

Trend (Ichimoku cloud)

1
Vs the Ichimoku cloudtrading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-14 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 3.6% of the share price.0.0%

Volume-weighted price

2
Vs this year’s average price paidthe price is 8% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $14.27 — a volume-weighted average of daily closes over 198 sessions, not a true tick-by-tick VWAP.+8.4%
Vs the average paid since it last reportedthe price is 1% below the average price paid since it last reported on 2026-07-22 (its 8-K), so the typical buyer over that stretch is under water. That average is $15.58 — a volume-weighted average of daily closes over 64 sessions, not a true tick-by-tick VWAP.-0.7%

Price levels it has turned at before

FMNB last closed at $15.47 on 2026-10-20. Since 2024-10-21 it has turned at 8 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.

LevelSideDistanceEvidence
$15.46Supportat the last closeturned there four times · 2024-12-02 to 2026-09-01
$16.14Resistance4.4% above the last closeturned there five times · 2024-11-12 to 2026-09-04
$14.74Support4.7% below the last closeturned there six times · 2024-11-20 to 2026-10-01
$14.36Support7.2% below the last closeturned there 9 times · 2025-01-30 to 2026-05-27

A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.

Wave structure

Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.

This labelling fails — stops being a possible reading at all — if it closes below $14.81.

It is the only labelling that fits these swings, though its proportions are not the textbook ones.

This reading has stood for 1 trading day, since 2026-10-20.

Read from daily closes as of 2026-10-20.

An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.

Based on daily closing prices as of 2026-10-20. Describes past price behavior only — informational, not financial advice.

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Analyst consensus

  • Consensus ratingBuy (2.00 mean, 1=Strong Buy…5=Strong Sell) — 3 analysts
  • Mean price target$17.00 range $16.00 – $18.00

Analyst estimates, as of 2026-10-16. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.

Analyst EPS estimate for FMNB

  • Consensus EPS estimate$0.41 next reporting period, as of 2026-10-16
  • Estimate change, 30 days$0.00 (0.0%) from $0.41, on 2026-09-11, 35-day window
  • Readings revised upward0% of 10 comparable readings

The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.

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Key risks (from latest filing)

["sensitivity to interest rate changes affecting net interest margins","credit risk associated with the loan portfolio and adequacy of the allowance for credit losses","integration and operational risks associated with acquisitions and system conversions"]

See FMNB's biggest risks from its latest 10-Q →

What changed in the latest 10-Q

AI-assisted comparison of FMNB's 10-Q filed 2026-08-06 against the prior one filed 2026-05-07.

Management's Discussion & Analysis (MD&A)

  • Added:
    • Newer filing (2026-08-06) covers three and six month periods ended June 30, 2026 and 2025; older filing covered three month periods ended March 31, 2026 and 2025.
    • Newer filing adds six-month comparative figures alongside three-month figures in the selected financial ratios section.
    • Newer filing adds second quarter and year-to-date net income figures: $23.0M ($0.39 per diluted share) for Q2 2026 vs $13.9M ($0.37) for Q2 2025, and $39.3M ($0.76) for six months 2026 vs $27.5M ($0.73) for six months 2025.
    • Newer filing adds the Merger/core conversion charge of $1.7 million for Q2 2026 and $5.7 million year-to-date.
    • Newer filing adds a full average balance sheet and yield/rate schedule for three months ended June 30, 2026 and 2025.
    • Newer filing adds two additional metrics to the selected ratios table: 'Total assets' and removes 'Dividends to net income', while adding 'Net loans to assets' and 'Loans to deposits' (these appear in both, though with different values).
  • Removed:
    • Older filing (2026-05-07) reported net income of $16.3M ($0.36 per diluted share) for Q1 2026 vs $13.6M ($0.36) for Q1 2025, which is not present in the newer filing.
    • Older filing included the 'Dividends to net income' ratio (39.55% and 47.10%), which is not present in the newer filing selected ratios table.
    • Older filing included the Merger/core conversion charge of $4.0 million for Q1 2026, which is not present in the newer filing.
    • Older filing included an average balance sheet schedule for the three months ended March 31, 2026 and 2025, which is replaced by June 30 data in the newer filing.
    • Older filing included line items 'Net interest income and interest rate spread' ($43,295 / 2.54% vs $34,837 / 2.22%) and 'Net interest margin' (3.12% vs 2.85%) at the bottom of the schedule; the newer filing's schedule is truncated before this.
  • Reworded:
    • The newer filing's Results of Operations table header now reads 'At or for the Three Months Ended' and 'At or for the Six Months Ended' compared to only 'At or for the Three Months Ended' in the older filing.
    • The newer filing's operating period date changed from 'March 31' (older) to 'June 30' (newer).
  • Notes:
    • The newer filing's MD&A text is truncated mid-sentence in the provided source ('Net interest inc'), so the full schedule and subsequent sections could not be compared.
    • Each filing reflects a different reporting period (June 30, 2026 vs March 31, 2026), so updates are expected period-to-period changes rather than necessarily restatements.
    • Comparison is limited to the MD&A sections provided and does not include other parts of the filings.

AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.

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Insider activity (SEC Form 4)

1 open-market purchase and 1 open-market sale by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-16. The 5 days since 2026-10-16 have not been checked yet.

  • Last 90 days · read to 2026-10-161 buy ($21951) · 1 sell ($79850) — 1 buying, 1 selling insiders
  • Last 180 days · read to 2026-10-161 buy ($21951) · 2 sells ($411071) — 1 buying, 2 selling insiders

Activity heuristic: mixed (a transparent product heuristic from the counts above, not a prediction or advice)

Most recent open-market transaction: 2026-09-21. Based on Form 4 filings read through 2026-10-16; anything filed since is not yet included.

View full insider trading history → View SEC Form 3/4/5 filings

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Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.

Institutional ownership (13F)

5 institutional 13F filers reported holding FMNB as of 2026-06-30 (quarter-end position, filed within 45 days).

  • Distinct 13F filers 5
  • Reported shares held 7,887,553
  • Reported value $115,158,275

reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".

Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.

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Short interest (FINRA)

FMNB had 2,303,715 shares of reported short interest as of the 2026-09-30 FINRA settlement date (delayed, bi-monthly; not real-time).

FMNB had 3.89% of its shares outstanding sold short as of the 2026-09-30 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 5.4 days to cover at the same settlement.

  • Reported short interest (shares) 2,303,715
  • Short interest (% of shares outstanding) 3.89%
  • Prior settlement (shares) 2,179,905
  • Reported change 5.68%
  • Days to cover (reported) 5.4

Reported to FINRA as of the 2026-09-30 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.

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Competitors & peers

AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.

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Frequently asked questions

What does FARMERS NATIONAL BANC CORP (FMNB) do?

Farmers National Banc Corp. is a bank holding company that provides a comprehensive suite of financial services through its primary subsidiary, The Farmers National Bank of Canfield. The company offers traditional banking services including commercial and retail loans, various deposit products, trust and wealth management, retirement plan consulting, and insurance services. It operates primarily as a community-oriented financial institution focused on serving individuals and businesses.

What sector is FARMERS NATIONAL BANC CORP (FMNB) in?

FARMERS NATIONAL BANC CORP (FMNB) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.

Does FMNB pay a dividend?

Yes — FARMERS NATIONAL BANC CORP (FMNB) pays a dividend, with an indicated yield of about 4.63% and at least 3 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-09-03). Informational only — not financial advice.

Who are FARMERS NATIONAL BANC CORP's (FMNB) competitors?

Notable peers of FARMERS NATIONAL BANC CORP (FMNB) include Huntington Bancshares, KeyCorp, Fifth Third Bancorp, First Commonwealth Financial and Premier Financial Corp.. This peer set is informational only — not financial advice.

Is FARMERS NATIONAL BANC CORP (FMNB) overbought or oversold right now?

FARMERS NATIONAL BANC CORP (FMNB) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 55, in the neutral middle (as of 2026-10-20). RSI describes recent price momentum, not a forecast — informational only, not financial advice.

Where does stocks-llm's data on FMNB come from?

Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.

Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.

Last updated 2026-10-20.

Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.