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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…
$14.64
$0.24 (-1.61%)
EOD Jul 17, 2026
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.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
10.1x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$287M
▲ +4.4% YoY
Net Income (TTM)
$57M
▲ +18.8% YoY
Net Margin
19.98%
P/E
10.1x
Balance Sheet
Total Assets
$7.18B
Equity
$767M
Total Debt
$446M
Cash & Equiv.
N/A
3Y CAGR: +13.8%
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At a P/E of 10.1 and a price-to-free-cash-flow of 14.0, Farmers National Banc (FMNB) trades above a two-stage DCF intrinsic value of about $8.23 per share, so at $14.64 the stock looks overvalued (43.8% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Farmers National Banc scores 68/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 3.9%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $8.23 per share for FMNB, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $6.17. At today's $14.64, that puts the stock about 43.8% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Farmers National Banc scores 68 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Farmers National Banc pays a regular dividend of about $0.57 per share per year (typically in quarterly installments), a yield of roughly 3.9% at the current price. That is a payout ratio of about 44.5% of earnings, so the dividend is well covered. Farmers National Banc has grown the dividend at roughly 16.0% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For FMNB's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. FMNB currently trades above its estimated intrinsic value and scores 68/100 on quality (solid). It also yields about 3.9%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.