Fundamentals Overview
Farmers National Banc Corp. is in the middle of its 52-week range with attractive valuation, trading relatively flat today.
Valuation attractive
Intrinsic value (DCF)
+40.3% upside vs price
Profitability
Risk (Beta)
0.78 — lower vol
Earnings & growth
BullzEye Analysis
Our composite tilts Buy on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
DCF +40.3% upside vs price · Analyst grade: B+ · 3M vs Financial Services sector: +7.2%
Pressures (Sell):
Sentiment weakening (4 downgrades)
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: B+. Recent institutional grades: majority downgrades. Current institutional positions: Market Perform: 7, Neutral: 7, Outperform: 15, Overweight: 1.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $19.53; current price is $13.92. That’s a +40.3% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 10.91 |
| DCF value (model) | $19.53 (40.3% upside) |
| PEG (TTM) | 0.59 |
| P/B (TTM) | 0.45 |
| P/S (TTM) | 1.88 |
| P/FCF (TTM) | 11.66 |
| Liquidity & enterprise | |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 20.65% |
| Gross margin (TTM) | 48.58% |
| Operating margin (TTM) | 17.55% |
| Debt to equity (TTM) | N/A |
Latest News
News loads when you open this tab.
Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for FMNB.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| Piper Sandler | maintain | Neutral | Neutral | 2026-01-29 |
| Raymond James | maintain | Outperform | Outperform | 2025-04-21 |
| Piper Sandler | maintain | Neutral | Neutral | 2025-02-03 |
| Raymond James | maintain | Outperform | Outperform | 2024-07-25 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2024-07-25 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2024-01-25 |
| Raymond James | upgrade | Market Perform | Outperform | 2024-01-05 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2023-07-27 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2023-04-06 |
| Janney Montgomery Scott | maintain | Neutral | Neutral | 2023-03-10 |
| Piper Sandler | maintain | Neutral | Neutral | 2022-12-06 |
| Raymond James | downgrade | Outperform | Market Perform | 2022-10-06 |
| Piper Sandler | downgrade | Overweight | Neutral | 2022-10-05 |
| Raymond James | maintain | Outperform | Outperform | 2022-08-01 |
| Raymond James | maintain | Outperform | Outperform | 2022-05-02 |
| Raymond James | maintain | Outperform | Outperform | 2022-02-03 |
| Raymond James | maintain | Outperform | Outperform | 2022-01-06 |
| Raymond James | maintain | Outperform | Outperform | 2021-11-01 |
| Raymond James | maintain | Outperform | Outperform | 2021-08-26 |
| Raymond James | maintain | Outperform | Outperform | 2021-03-16 |
| Piper Sandler | upgrade | Neutral | Overweight | 2021-03-03 |
| Raymond James | maintain | Outperform | Outperform | 2021-02-01 |
| Piper Sandler | maintain | Neutral | Neutral | 2020-10-29 |
| Piper Sandler | maintain | Neutral | Neutral | 2020-09-29 |
| Raymond James | downgrade | Outperform | Market Perform | 2020-05-04 |
| Raymond James | maintain | Outperform | Outperform | 2019-04-29 |
| Boenning & Scattergood | maintain | Outperform | Outperform | 2018-12-18 |
| Raymond James | maintain | Outperform | Outperform | 2018-10-26 |
| Raymond James | upgrade | Market Perform | Outperform | 2018-03-27 |
| Keefe Bruyette & Woods | downgrade | Outperform | Market Perform | 2017-10-27 |