ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Farmers National Banc Corp. ?
1
High Profitability with a Net Interest Margin of 9.00%
2
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.96%
3
Flat results in Jun 25
- GROSS NPA (%)(Q) Highest at 0.84%
- CASH AND EQV(HY) Lowest at USD 38.56 MM
4
With ROA of 0.78%, it has a expensive valuation with a 1.20 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -13.84%, its profits have fallen by -12.2%
5
High Institutional Holdings at 42.03%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -13.84% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Farmers National Banc Corp. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Farmers National Banc Corp. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Farmers National Banc Corp.
-9.52%
0.51
27.99%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.48%
EBIT Growth (5y)
5.46%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
55.51%
Pledged Shares
0
Institutional Holding
42.03%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.20
EV to EBIT
9.42
EV to EBITDA
8.39
EV to Capital Employed
1.22
EV to Sales
2.13
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
12.90%
ROE (Latest)
11.27%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
NII(Q)
Highest at USD 34.92 MM
-3What is not working for the Company
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Lowest at USD 38.56 MM
Here's what is working for Farmers National Banc Corp.
NII
Highest at USD 34.92 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
CASA
Highest at 12.05%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Farmers National Banc Corp.
Non Performing Loans (%)
Highest at 0.84%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Cash and Eqv
Lowest at USD 38.56 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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