FMNB · Farmers National Banc Corp /Oh/
$15.69
-0.03 (-0.19%)
At close · Aug 21
Market Cap
$927.82M
Shares
59.25M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$15.69
Open$15.77
Day$15.59–15.83
52W close$12.30–16.38
Avg vol 30d422K
Short int1.9M · 3.1% float · 4.0d
Short vol68%
Last earningsJul 22, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 21, 2026
Est · unconfirmed
· in 8 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bearish
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 15.1 · calm
Equity put/call 0.51
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+13%
above
Price vs 50-day avg
+4%
above
RSI (14)
52
neutral
MACD trend
Negative
52-week position
83%
mid-range
Momentum
relative strength
1-month return
+3%
trailing
6-month return
+21%
trailing
YTD return
+18%
this year
Relative strength
+9%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $15 › 200d $14 — 50d above 200d
Institutional flow
Distributing
-4% holders QoQ · +20 funds added
Insider flow
Distributing
Net -$411.1K over 90 days · 100% sells
Short interest
Rising
3.14% of float · ▲ +8.1% MoM · 4.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
180 holders — mid 3-yr range
Squeeze score
63
elevated · 0–100
Fundamentals
Revenue growth
+4%
Y/Y
EPS growth
+19%
Y/Y
Free cash flow
$52.2M
Valuation
P/E 10.7
below peers
Balance sheet
$330.0M
net debt
Quant / Vol
risk profile
Volatility
24%
annualized · 1-yr
Max drawdown
−20%
past year
ATR
1.8%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 22, 2026
Net interest margin
· third quarter of 2026
Initiated
3.34% – 3.37%
Prior guidance
period ended
· from the 8-K filed Apr 22, 2026
Net interest margin
· second quarter of 2026
25%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+13%
Bullish
Price vs 50-day avg
+4%
Bullish
RSI (14)
52
Neutral
MACD trend
Negative
Bearish
52-week position
83%
Neutral
Market signals — smart money & positioning
Bearish · 3 of 6
Trend (MA cross)
No cross
50d $15 › 200d $14 — 50d above 200d
Institutional flow
Distributing
-4% holders QoQ · +20 funds added
Insider flow
Distributing
Net -$411.1K over 90 days · 100% sells
Short interest
Rising
3.14% of float · ▲ +8.1% MoM · 4.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
180 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $12
Now $16 · 83%
Range high $16
vs 200-day avg +13%
vs 50-day avg +4%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses to total loans | 1.12% | Q2 FY2026 | — |
|
|
|||
| Allowance to Non-performing Loans | 119.38% | June 30, 2026 | — |
| Annualized net charge-offs as a percentage of average loans | 0.3% | second quarter of 2026 | — |
|
|
|||
| Annualized Net Charge-offs to Average Net Loans | 0.19% | Six Months Ended June 30, 2026 | — |
| Commercial lending fundings | 175M | second quarter of 2026 | — |
| Diluted EPS excluding merger and certain items non-GAAP | $0.85 | six months ended June 30 | — |
| Efficiency ratio | 55.6% | second quarter of 2026 | — |
| Efficiency Ratio (Tax equivalent basis) excluding core conversion, acquisition costs and other e non-GAAP | 54.87% | Six Months Ended June 30, 2026 | — |
| Efficiency ratio excluding acquisition/core conversion costs non-GAAP | 53.2% | second quarter of 2026 | — |
| Efficiency ratio excluding certain items non-GAAP | 54.87% | six months ended June 30 | — |
| Loan to deposit ratio | 81.9% | Q2 FY2026 | — |
| Loans 30 - 89 days delinquent | 18.87M | June 30, 2026 | — |
| Loans 30 - 89 Days Delinquent to Total Loans | 0.4% | June 30, 2026 | — |
| Loans 30-89 days delinquent | 18.9M | Q2 FY2026 | — |
|
|
|||
| Net Charge-offs | 4.08M | Six Months Ended June 30, 2026 | — |
| Net income - Adjusted non-GAAP | $44.12M | six months ended June 30 | — |
| Net interest margin | 3.44% | second quarter of 2026 | — |
|
|
|||
| Net Interest Margin (Annualized) | 3.29% | Six Months Ended June 30, 2026 | — |
| Net interest margin excluding marks and PPP interest and fees non-GAAP | 3.15% | six months ended June 30 | — |
| Non-performing assets | 44.83M | June 30, 2026 | — |
| Non-performing Assets to Total Assets | 0.63% | June 30, 2026 | — |
| Nonperforming loans | 44.6M | Q2 FY2026 | — |
|
|
|||
| Nonperforming loans to total loans | 0.93% | Q2 FY2026 | — |
|
|
|||
| Return on Average Assets excluding system conversion, merger and certain items (Annualized) non-GAAP | 1.36% | six months ended June 30 | — |
| Return on Average Equity excluding system conversion, merger and certain items (Annualized) non-GAAP | 13.13% | six months ended June 30 | — |
| Return on Average Tangible Assets non-GAAP | 1.26% | Six Months Ended June 30, 2026 | — |
| Return on Average Tangible Equity non-GAAP | 18.92% | Six Months Ended June 30, 2026 | — |
| Return on Average Tangible Equity excluding system conversion, merger costs and certain items (A non-GAAP | 21.23% | six months ended June 30 | — |
| Tangible book value per share non-GAAP | $8.05 | June 30, 2026 | — |
| Tangible Common Equity Ratio non-GAAP | 6.98% | June 30, 2026 | — |
| Total wealth management assets under care | 5.1B | Q2 FY2026 | — |
| Unfunded commercial balances | 40M | second quarter of 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FMNB
this stock
Farmers National Banc Corp /Oh/
|
$927.82M | +17.8% | +3.9% | 10.7 | 3.1% |
|
MFG
Mizuho Financial Group Inc
|
$124.83B | +40.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.52B | -35.4% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | +0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +19.4% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FMNB | -3.8% | +3.3% | +21.0% | -1.1% | +17.8% |
| SPY | -1.4% | +3.6% | +11.6% | +2.5% | +12.3% |
| vs SPY | -2.4% | -0.3% | +9.4% | -3.6% | +5.5% |
Capital returns
Latest dividend
$0.17
/ share · ex Jun 12, 2026
Paid (TTM)
$0.68
/ share · 4 payouts
Dividend yield (TTM, derived)
4.33%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.