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Upturn AI SWOT - About
FMNB 
Farmers National Banc Corp (FMNB)
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Upturn Advisory Summary
10/15/2025: FMNB (1-star) is a SELL. SELL since 4 days. Simulated Profits (-6.34%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $15.5
1 Year Target Price $15.5
| 0 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -20.56% | Avg. Invested days 27 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 537.22M USD | Price to earnings Ratio 10.34 | 1Y Target Price 15.5 |
Price to earnings Ratio 10.34 | 1Y Target Price 15.5 | ||
Volume (30-day avg) 3 | Beta 0.85 | 52 Weeks Range 11.31 - 15.52 | Updated Date 10/15/2025 |
52 Weeks Range 11.31 - 15.52 | Updated Date 10/15/2025 | ||
Dividends yield (FY) 4.90% | Basic EPS (TTM) 1.38 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-22 | When Before Market | Estimate 0.41 | Actual - |
Profitability
Profit Margin 29.75% | Operating Margin (TTM) 42.11% |
Management Effectiveness
Return on Assets (TTM) 0.98% | Return on Equity (TTM) 12.08% |
Valuation
Trailing PE 10.34 | Forward PE 11.19 | Enterprise Value 743992256 | Price to Sales(TTM) 3.17 |
Enterprise Value 743992256 | Price to Sales(TTM) 3.17 | ||
Enterprise Value to Revenue 4.57 | Enterprise Value to EBITDA - | Shares Outstanding 37646549 | Shares Floating 36042806 |
Shares Outstanding 37646549 | Shares Floating 36042806 | ||
Percent Insiders 4.03 | Percent Institutions 41.22 |
Upturn AI SWOT
Farmers National Banc Corp
Company Overview
History and Background
Farmers National Banc Corp was founded in 1887. It has grown organically and through acquisitions to become a diversified financial services provider in Ohio and Pennsylvania.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate loans, equipment financing, and lines of credit.
- Retail Banking: Provides personal banking services such as checking accounts, savings accounts, mortgage loans, and consumer loans to individuals and families.
- Wealth Management: Offers financial planning, investment management, and trust services to individuals, families, and businesses.
- Insurance: Provides products that reduce the financial impact of death, disability, accident, sickness and property losses through independent agency model.
Leadership and Structure
The company is led by a board of directors and an executive management team. Kevin J. Helmick is the President and CEO. The organizational structure consists of various departments responsible for different business functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. Competitors include regional and national banks such as Huntington Bancshares and PNC Financial Services. Market share data is difficult to accurately determine at the specific product level. Revenue is part of the commercial banking segment income.
- Mortgage Loans: Offers mortgage products for home purchases and refinancing. Competitors are Quicken Loans, Rocket Mortgage, and other regional and national banks. Market share data is difficult to accurately determine at the specific product level. Revenue is part of the retail banking segment income.
- Wealth Management Services: Offers financial planning, investment management, and trust services to individuals, families, and businesses. Competitors are Charles Schwab, Fidelity, and other regional and national wealth management firms. Market share data is difficult to accurately determine at the specific product level. Revenue is part of the wealth management segment income.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes. Consolidation is also occurring as smaller banks look to gain scale and efficiency.
Positioning
Farmers National Banc Corp is a regional bank focusing on providing personalized service and community banking. It differentiates itself through local knowledge and relationship-based banking.
Total Addressable Market (TAM)
The TAM for community banking and wealth management in Ohio and Pennsylvania is estimated to be in the billions of dollars. FMNB is positioned to capture a portion of this TAM through its strong local presence and diversified service offerings.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Diversified revenue streams
- Experienced management team
- Relationship-based banking approach
Weaknesses
- Limited geographic reach compared to larger banks
- Smaller market share compared to national players
- Susceptible to economic downturns in the region
Opportunities
- Acquisitions of smaller banks or wealth management firms
- Expansion into new markets within Ohio and Pennsylvania
- Increased demand for wealth management services
- Investment in digital banking technologies
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic recession
Competitors and Market Share
Key Competitors
- Huntington Bancshares (HBAN)
- PNC Financial Services (PNC)
- Fifth Third Bancorp (FITB)
Competitive Landscape
Farmers National Banc Corp faces competition from larger regional and national banks with greater resources. Its competitive advantage lies in its local focus and personalized service.
Major Acquisitions
Cortland Bancorp
- Year: 2021
- Acquisition Price (USD millions): 124
- Strategic Rationale: Expanded Farmers National Banc Corp's presence in Northeast Ohio.
Growth Trajectory and Initiatives
Historical Growth: Requires access to up-to-date financial statements to fill.
Future Projections: Requires access to up-to-date financial statements to fill.
Recent Initiatives: Recent initiatives include expanding digital banking services and acquiring smaller banks.
Summary
Farmers National Banc Corp is a regional bank with a strong local presence and diversified revenue streams. Its personalized service and community focus differentiate it from larger competitors. However, it faces challenges from rising interest rates, increased competition from fintech companies, and regulatory changes. Successfully navigating these challenges and capitalizing on growth opportunities will be key to its future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (10-K, 10-Q)
- Third-party Financial Data Providers
- Industry Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Future performance is not guaranteed.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Farmers National Banc Corp
Exchange NASDAQ | Headquaters Canfield, OH, United States | ||
IPO Launch date 1999-01-04 | President, CEO & Director Mr. Kevin J. Helmick | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 682 | Website https://www.farmersbankgroup.com |
Full time employees 682 | Website https://www.farmersbankgroup.com | ||
Farmers National Banc Corp. operates as a bank holding company for The Farmers National Bank of Canfield that engages in the banking, trust, retirement consulting, insurance, and financial management businesses. It offers commercial and retail banking services, including checking, savings, and time deposit accounts; commercial, mortgage and installment, and home equity loans; home equity lines of credit; and night depository, safe deposit box, money order, bank check, automated teller machine, Internet banking, travel card, E bond transaction, brokerage, and other services. The company also provides personal and corporate trust services in the areas of estate settlement, trust administration, employee benefit plans, and retirement services; property and casualty insurance products and services; and various insurance products through licensed representatives, as well as invests in municipal securities. Farmers National Banc Corp. was founded in 1887 and is headquartered in Canfield, Ohio.
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