ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Farmers National Banc Corp. ?
1
High Profitability with a Net Interest Margin of 7.56%
2
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.96%
3
Positive results in Mar 26
- NII(Q) Highest at USD 42.57 MM
- NET SALES(Q) Highest at USD 67.12 MM
- CASH AND EQV(HY) Highest at USD 58.71 MM
4
With ROA of 0.59%, it has a fair valuation with a 1.61 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 8.60%, its profits have risen by 20.3% ; the PEG ratio of the company is 0.7
5
High Institutional Holdings at 30.77%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Underperformed the market in the last 1 year
- The stock has generated a return of 8.60% in the last 1 year, much lower than market (S&P 500) returns of 22.24%
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?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Farmers National Banc Corp.
8.6%
0.84
25.36%
S&P 500
22.24%
1.67
13.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.79%
EBIT Growth (5y)
4.44%
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
46.88%
Pledged Shares
0
Institutional Holding
30.77%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.61
EV to EBIT
16.19
EV to EBITDA
14.60
EV to Capital Employed
1.41
EV to Sales
4.32
PEG Ratio
0.70
Dividend Yield
NA
ROCE (Latest)
8.72%
ROE (Latest)
11.40%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
NII(Q)
Highest at USD 42.57 MM
NET SALES(Q)
Highest at USD 67.12 MM
CASH AND EQV(HY)
Highest at USD 58.71 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 81.06%
OPERATING PROFIT(Q)
Highest at USD 23.97 MM
OPERATING PROFIT MARGIN(Q)
Highest at 35.72 %
PRE-TAX PROFIT(Q)
Highest at USD 23.95 MM
NET PROFIT(Q)
Highest at USD 19.51 MM
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 51.98 MM
GROSS NPA (%)
(Q
Here's what is working for Farmers National Banc Corp.
NII
Highest at USD 42.57 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 67.12 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Profit
Highest at USD 23.97 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 35.72 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 23.95 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 19.51 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Cash and Eqv
Highest at USD 58.71 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 81.06%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Depreciation
Highest at USD 3.73 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 3.73 MM has Grown at 115.54%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for Farmers National Banc Corp.
Non Performing Loans (%)
Highest at 1.25%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Cash Flow
Lowest at USD 51.98 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
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