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Upturn AI SWOT - About
FMNB 
Farmers National Banc Corp (FMNB)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/28/2025: FMNB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -13.09% | Avg. Invested days 24 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 570.72M USD | Price to earnings Ratio 11.31 | 1Y Target Price 15.5 |
Price to earnings Ratio 11.31 | 1Y Target Price 15.5 | ||
Volume (30-day avg) 3 | Beta 0.88 | 52 Weeks Range 11.44 - 15.70 | Updated Date 08/28/2025 |
52 Weeks Range 11.44 - 15.70 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 4.54% | Basic EPS (TTM) 1.34 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | 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 11.31 | Forward PE 11.19 | Enterprise Value 777497664 | Price to Sales(TTM) 3.37 |
Enterprise Value 777497664 | Price to Sales(TTM) 3.37 | ||
Enterprise Value to Revenue 4.78 | Enterprise Value to EBITDA - | Shares Outstanding 37646500 | Shares Floating 36042806 |
Shares Outstanding 37646500 | Shares Floating 36042806 | ||
Percent Insiders 4.03 | Percent Institutions 41.07 |
Upturn AI SWOT
Farmers National Banc Corp
Company Overview
History and Background
Farmers National Banc Corp. was founded in 1887 in Canfield, Ohio. Initially focused on serving the local agricultural community, it has grown through organic expansion and acquisitions to become a diversified financial services provider in Ohio and Pennsylvania.
Core Business Areas
- Community Banking: Provides traditional banking services, including deposit accounts, loans (commercial, agricultural, residential), and other financial products to individuals and businesses within its service areas.
- Wealth Management: Offers wealth management and trust services to individuals, families, and businesses. This includes investment management, financial planning, and trust administration.
- Insurance: Provides insurance products through its insurance subsidiary, Farmers National Insurance, LLC.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure is typical of a regional bank holding company, with various departments responsible for different business functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for working capital, expansion, and other purposes. Market share data is difficult to obtain precisely at a regional level. Competitors include other regional and national banks such as Huntington Bancshares (HBAN) and PNC Financial Services Group (PNC).
- Residential Mortgages: Mortgages offered to individuals for purchasing or refinancing homes. Market share varies by location. Competitors include national mortgage lenders such as Rocket Mortgage (RKT) and local credit unions.
- Wealth Management Services: Investment management, financial planning, and trust services. Market share is regional. Competitors include larger wealth management firms such as Charles Schwab (SCHW) and Fidelity.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with rising interest rates, increased regulatory scrutiny, and evolving customer expectations. Community banks face competition from larger institutions and fintech companies.
Positioning
Farmers National Banc Corp. positions itself as a community-focused bank with strong relationships with its customers. Its competitive advantages include local expertise, personalized service, and a focus on serving the needs of its communities.
Total Addressable Market (TAM)
The TAM for community banking in Ohio and Pennsylvania is estimated to be in the billions of dollars, considering all potential deposits, loans, and wealth management services. FMNB's TAM will be a fraction of this amount based on the area that it covers.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Diversified revenue streams
- Sound asset quality
- Efficient operations
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger competitors
- Dependence on interest rate environment
- Exposure to regional economic conditions
Opportunities
- Expansion into new markets through acquisitions
- Increased demand for wealth management services
- Technological advancements to improve efficiency
- Growing customer base
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates impacting loan demand
- Economic downturns affecting asset quality
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- HBAN
- PNC
- KEY
Competitive Landscape
Farmers National Banc Corp. competes with larger regional and national banks, as well as smaller community banks and credit unions. Its strengths include local expertise and customer service, while its weaknesses include limited scale.
Major Acquisitions
Emclaire Financial Corp
- Year: 2023
- Acquisition Price (USD millions): 105
- Strategic Rationale: Expansion into Western Pennsylvania to complement existing footprint.
Growth Trajectory and Initiatives
Historical Growth: Farmers National Banc Corp. has grown through organic expansion and acquisitions. Specific growth rates would be analyzed here.
Future Projections: Analyst estimates for future growth would be presented here.
Recent Initiatives: Farmers National Banc Corp. is always strategically planning what to do next.
Summary
Farmers National Banc Corp is a community-focused bank that has a long history of paying dividends. The bank is expanding into new markets. The bank is smaller than its larger competitors. Farmers National Banc Corp needs to continue to grow to remain relevant in the banking industry and to fend off competition from larger banks and fintech companies.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, industry reports, analyst estimates.
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is estimated based on available information.
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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