15 years of revenue, profit, cash flow and balance-sheet history through FY2025,
from SEC filings — with a computed, factual read of the trend.
Updated Overview →
Growth & profitability
Revenue has grown 14.5% per year over the past 5 years.
Net income has grown slower than revenue (5.4% vs 14.5% per year).
Free cash flow has grown 2.8% per year over the past 5 years.
Financial health
Total debt has grown faster than revenue (36.0% vs 14.5% per year).
Shareholder returns
Dividends have been paid for 3 consecutive years, consuming 46.7% of earnings and 48.8% of free cash flow.
The dividend has grown 0.1% per year over the past 5 years.
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Return on equity & assets (ROE / ROA)
ROEROA
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
2025
$280M
$55M
0.0%
0.0%
11.2%
1.0%
$52M
$368M
—
2024
$269M
$46M
0.0%
0.0%
11.3%
0.9%
$55M
$391M
—
2023
$255M
$50M
0.0%
0.0%
12.3%
1.0%
$59M
$444M
—
2022
$186M
$61M
0.0%
0.0%
20.7%
1.5%
$79M
$183M
—
2021
—
$52M
—
—
11.0%
1.3%
$54M
$88M
—
2020
—
$42M
—
—
12.0%
1.4%
$45M
$79M
—
2019
—
$36M
—
—
11.9%
1.5%
$37M
$122M
—
2018
—
$33M
—
—
12.4%
1.4%
$38M
$251M
—
2017
—
$23M
—
—
9.4%
1.1%
$30M
$297M
—
2016
—
$21M
—
—
9.6%
1.0%
$24M
$213M
—
2015
—
$8M
—
—
4.1%
0.4%
—
$248M
—
2014
—
$9M
—
—
7.3%
0.8%
—
$88M
—
2013
—
$8M
—
—
6.9%
0.7%
$14M
$101M
—
2012
—
$10M
—
—
8.2%
0.9%
$8M
$90M
$38M
2011
—
$9M
—
—
8.1%
0.9%
$10M
$109M
$52M
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Return on equity & assets (ROE / ROA)
ROEROA
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
Mar '26
$81M
$16M
0.0%
0.0%
2.1%
0.2%
$7M
$435M
—
Dec '25
$72M
$15M
0.0%
0.0%
3.0%
0.3%
$19M
$368M
—
Sep '25
$71M
$12M
0.0%
0.0%
2.7%
0.2%
$9M
$322M
—
Jun '25
$70M
$14M
0.0%
0.0%
3.2%
0.3%
$12M
$289M
—
Mar '25
$68M
$14M
0.0%
0.0%
3.2%
0.3%
$12M
$188M
—
Dec '24
$69M
$14M
0.0%
0.0%
3.5%
0.3%
$8M
$391M
—
Sep '24
$70M
$9M
0.0%
0.0%
1.9%
0.2%
$20M
$371M
—
Jun '24
$66M
$12M
0.0%
0.0%
3.0%
0.2%
$14M
$495M
—
Mar '24
$63M
$11M
0.0%
0.0%
2.8%
0.2%
$12M
$434M
—
Dec '23
—
$15M
—
—
3.6%
0.3%
—
$444M
—
Sep '23
—
$13M
—
—
4.2%
0.3%
—
$89M
—
Jun '23
—
$15M
—
—
4.1%
0.3%
—
$388M
—
Mar '23
—
$7M
—
—
1.9%
0.1%
$14M
$292M
—
Dec '22
—
$13M
—
—
4.6%
0.3%
$21M
$183M
—
Sep '22
—
$15M
—
—
5.8%
0.4%
$16M
$243M
—
Jun '22
—
$16M
—
—
5.0%
0.4%
$26M
$138M
—
Mar '22
—
$16M
—
—
4.0%
0.4%
$13M
$88M
—
Dec '21
—
$6M
—
—
1.2%
0.1%
$14M
$88M
—
Sep '21
—
$16M
—
—
4.2%
0.5%
$16M
$50M
—
Jun '21
—
$16M
—
—
4.2%
0.5%
$17M
$78M
—
Valuation over time
How the market has priced FMNB against its own fundamentals since 2023-03 —
each month-end's share price set against the most recent annual filing, so the multiple moves
as price runs ahead of (or behind) earnings. Split-adjusted.
The price-to-earnings ratio has risen from 12.3× (Mar '23) to 17.2× (Sep '26).
The price-to-sales ratio has fallen from 4.0× (Mar '23) to 3.4× (Sep '26).
The dividend yield has fallen from 3.1% (Jan '24) to 2.7% (Sep '26).
Price / earnings (P/E)
P/E
Price / sales (P/S)
P/S
Dividend yield (%)
Dividend yield %
Frequently asked questions
Is FMNB growing its revenue and profit?
Over the past 5 years, Farmers National Banc Corp /Oh/'s revenue has grown 14.5% per year, and net income grown 5.4% per year. These are computed facts, not advice.
How much debt does FMNB have?
As of FY2025, Farmers National Banc Corp /Oh/ reported $368M of total debt against — of cash.
What is FMNB's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin 19.5%.
What is FMNB's P/E ratio?
As of Sep '26, Farmers National Banc Corp /Oh/ traded at a price-to-earnings ratio of about 17.2× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.