Farmers National Banc Corp. (FMNB) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Inter & Co., Inc.

Banco Latinoamericano de Comercio Exterior SA

Old Second Bancorp, Inc.

Stellar Bancorp, Inc.

Amerant Bancorp, Inc.

Nicolet Bankshares, Inc.

QCR Holdings, Inc.

Farmers National Banc Corp.

Hope Bancorp, Inc.

The First Bancshares, Inc. (Mississippi)

Pathward Financial, Inc.

Why is Farmers National Banc Corp. ?

High Profitability with a Net Interest Margin of 7.54%

Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.96%

Positive results in Dec 25

NII(Q) Highest at USD 37.02 MM
CASH AND EQV(HY) Highest at USD 116.17 MM
NET SALES(Q) Highest at USD 59.42 MM

With ROA of 0.66%, it has a very attractive valuation with a 1.57 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 -3.32%, its profits have risen by 20.3% ; the PEG ratio of the company is 0.7

High Institutional Holdings at 43.63%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 0.72% over the previous quarter.

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -3.32% 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 Report

Verdict Report

How 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, Low Return

Absolute

Risk Adjusted

Volatility

Farmers National Banc Corp.

-2.86%

0.30

27.27%

S&P 500

13.68%

0.71

19.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

15.79%

EBIT Growth (5y)

4.61%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

46.90%

Pledged Shares

Institutional Holding

43.63%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.57

EV to EBIT

15.62

EV to EBITDA

14.32

EV to Capital Employed

1.39

EV to Sales

4.23

PEG Ratio

0.69

Dividend Yield

ROCE (Latest)

8.87%

ROE (Latest)

11.40%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

Bullish

No Signal

Bollinger Bands

Mildly Bearish

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

No Trend

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

9What is working for the Company

NII(Q)

Highest at USD 37.02 MM

CASH AND EQV(HY)

Highest at USD 116.17 MM

NET SALES(Q)

Highest at USD 59.42 MM

PRE-TAX PROFIT(Q)

Highest at USD 18.66 MM

NET PROFIT(Q)

Highest at USD 15.4 MM

EPS(Q)

Highest at USD 0.39

-2What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 40.61 MM

Here's what is working for Farmers National Banc Corp.

NII

Highest at USD 37.02 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 59.42 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Pre-Tax Profit

Highest at USD 18.66 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 15.4 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.39

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Cash and Eqv

Highest at USD 116.17 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

CASA

Highest at 12.42%

in the last five periods

MOJO 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.

Operating Cash Flow

Lowest at USD 40.61 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)