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MARKETS / NASDAQ / FMNB
NASDAQ · STATE COMMERCIAL BANKS · MID CAP

Farmers National Banc Corp. FMNB

17 fiscal years on record · USD · FY2025 reported · SEC filings only
$279.9M
▲ 3.9% YoY
$54.6M
▲ 18.8% YoY
$52.2M
▼ 5.0% YoY
In brief

What this company does

Farmers National Banc Corp. and its subsidiaries operate in the domestic banking, trust, retirement consulting, insurance and financial management industries. As of December 31, 2025, Farmers and its subsidiaries had 706 full-time equivalent employees. Farmers' business activities are managed and its financial performance is primarily aggregated and reported in two lines of business, the Bank segment and the Trust segment. The Bank is a full-service national banking association engaged in commercial and retail banking mainly in the northeastern region of Ohio and the western region of Pennsylvania, offering checking accounts, savings accounts, time deposit accounts, commercial, mortgage and installment loans, home equity loans, home equity lines of credit, night depository, safe deposit boxes, money orders, bank checks, automated teller machines, internet banking, travel cards, "E" Bond transactions, brokerage services and other miscellaneous services normally offered by commercial banks. Farmers Trust offers a full complement of personal and corporate trust services in the areas of estate settlement, trust administration, employee benefit plans and retirement services, and operates five offices located in Boardman, Canton, Howland, Wooster and Fairview Park, Ohio. Farmers National Banc Corp. is a financial holding company that was organized as a one-bank holding company in 1983 under the laws of the State of Ohio and registered under the Bank Holding Company Act of 1956, as amended.

Written from the business description in FARMERS NATIONAL BANC CORP /OH/'s annual report to the U.S. Securities and Exchange Commission, filed 5 March 2026. Every sentence was checked against that document before publication.

Growth
USD 279.9M
Revenue, FY2025 · full 17-year series below
Revenue $M Net income $M
FY2025 · Revenue 279.9 · Net income 54.6
100M200M200920112013201520172019202120232025
Compound annual growth
+14.5%
−3.4%
+5.4%
+21.1%
+12.8%
−6.8%
−0.3%
+14.9%
+5.4%
+12.3%
+5.0%
−1.1%
+24.3%
+20.1%
3 yrs
5 yrs
10 yrs
15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
20 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 23.2% · Net 19.5%
10%20%30%200920112013201520172019202120232025
ROE
FY2025 · ROE 12.2%
5%10%15%200920112013201520172019202120232025

Each USD of equity produced 12 cents of profit this year.

Cash & shareholders
USD 25.5M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 52.2
40M200920112013201520172019202120232025
Net buybacks $M Dividends $M
FY2025 · Dividends 25.5 · Net buybacks 0.0
20M-5M-10MDividendsNet buybacks200920112013201520172019202120232025

USD 25.5M in dividends — 47% of the year's profit went back to shareholders.

Total assetsUSD 5.2B
EquityUSD 485.7M
Gross debtUSD 367.7M
DepositsUSD 4.3B

Equity funds 9% of total assets.

The 17-year record
17 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative
Metric 20252024202320222021202020192018201720162015201420132012201120102009
Revenue $B0.30.30.30.2·············
Operating income $B0.10.10.10.10.10.10.00.00.00.00.00.00.0····
EBITDA $B0.10.10.10.10.10.10.00.00.00.00.00.00.0····
Income tax $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Net income $B0.10.00.00.10.10.00.00.00.00.00.00.00.00.00.00.00.0
Free cash flow $B0.10.10.10.10.10.00.00.00.00.00.00.00.00.00.00.00.0
EPS, diluted $1.451.221.331.791.771.471.281.160.820.760.360.480.410.530.500.660.44
Dividend / sh $0.680.680.65···········0.120.120.36
Payout %4755513627302926262133252934241882
ROE %12.211.314.315.812.612.912.712.910.010.05.07.66.78.49.110.77.2
Shares out B0.040.040.040.030.030.03···········

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 49 reconciliationsAUDITED

Reconciled in 17 of 19 fiscal years. 8 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityState Commercial Banks
Listed onNASDAQ
Incorporated inOhio
Fiscal year endsDecember 31
Data on record since2009

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