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)
+37.1% upside vs price
Profitability
Risk (Beta)
0.79 — lower vol
Earnings & growth
BullzEye Analysis
Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
DCF +37.1% upside vs price · Analyst grade: A-
Pressures (Sell):
3M vs S&P 500: -6.9% · 3M vs Financial Services sector: -6.1%
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: A-. Recent institutional grades: mixed. Current institutional positions: Market Perform: 6, Neutral: 8, 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 $19.55; current price is $14.26. That’s a +37.1% 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) | 11.17 |
| DCF value (model) | $19.55 (37.1% upside) |
| PEG (TTM) | 0.6 |
| P/B (TTM) | 0.83 |
| P/S (TTM) | 1.98 |
| P/FCF (TTM) | 11.89 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 0.11 |
| Quick Ratio (TTM) | 0.11 |
| Cash Ratio (TTM) | 0.11 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 20.23% |
| Gross margin (TTM) | 65.02% |
| Operating margin (TTM) | 24.25% |
| Debt to equity (TTM) | N/A |
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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 | 2026-04-23 |
| 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 |