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Farmers National Banc Corp. (the Company, Farmers, we, our or us ), 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 (the BHCA ). Amendments to the BHCA in 1999 allowed for a bank holding company to declare itself a financial holding company and thereb…
20.02% net margin is respectable. The institution appears to be managing its interest spread and credit risk adequately.
Revenue growth slowed to 4.4%, essentially flat. This is a business that needs a catalyst.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$287M
▲ +4.4% YoY
Net Income (TTM)
$57M
▲ +18.8% YoY
Net Margin
19.98%
P/E
—
Balance Sheet
Total Assets
$7.18B
Equity
$767M
Total Debt
$446M
Cash & Equiv.
N/A
3Y CAGR: +13.8%
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