Farmers National Banc Corp (FMNB) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Farmers National Banc Corp stock $6.71, price $15.42, that is 56.5% below the price, quality 39 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Farmers National Banc Corp
FMNB · USOur calculation puts a fair price 57% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range $9.29 – $16.38 · fair‑value band $6.03 – $8.25 · the $15.42 price screens above the $6.71 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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Company profile
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.
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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; 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.
Stock analysis
Farmers National Banc Corp (FMNB) currently trades at $15.42, while our model-based Fair Value estimate is $6.71, 57% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $9.54 per share, and 0 of the 6 models we run sit above the $15.42 price.
Bear case: the Asset-Based group reads lowest at $3.40, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $6.03 (bear) to $8.25 (bull), the price of $15.42 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 39/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Farmers National Banc Corp reported revenue of $272M in FY2025 versus $155M in FY2021, a compound +15.1%/yr. Reported net income was $54.6M in FY2025, compounding +1.3%/yr from FY2021.
Key figures
Market cap $914M Small · P/E ratio 11.2 · P/S ratio 3.89 · EPS (TTM) $1.38 · Dividend yield 4.5% · Net margin 29.1% · Return on equity 11.6% · Return on assets (EBIT) 1.4% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 61 out of 100 (medium confidence).
What moves the price
The share trades about 6% below its 52-week high and 27% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −57%, FMNB screens richer than that median.
Fair Value models
All 6 models by family
The fair value above starts from this blend and is adjusted for dilution from new shares.
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director bought shares worth $21,951, on Sep 21, 2026. Over the same period, 2 people sold shares worth $411,071.
- BuyGina A RichardsonDirector3× since Mar 5, 2026: 3,102 shares, avg. $13.97$43,324Sep 21, 2026
- SaleMark J WenickSEVP/Chief Wealth Mgt Officer5,000 shares at $15.97$79,850Aug 6, 2026
- SaleMichael C VoinovichDirector23,309 shares at $14.21$331,221Jun 22, 2026
- BuyNicholas D VarischettiDirector2× since Mar 26, 2026: 75,000 shares, avg. $12.97$972,610Mar 26, 2026
- BuyEdward MuranskyDirector40,000 shares at $12.74$509,600Mar 3, 2026
- BuyAmber B WallaceSEVP/Chief Retail & Marketing29 shares at $13.18$382Feb 2, 2026
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
FMNB screens overvalued: fair value 57% below the price. Compare with China Merchants Bank Co →
Compare Farmers National Banc Corp with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Return on assets by industry
- Fair value gap by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs FMNB |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs FMNB |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs FMNB |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs FMNB |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs FMNB |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs FMNB |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs FMNB |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs FMNB |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs FMNB |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs FMNB |
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Frequently asked questions
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Key figures of Farmers National Banc Corp
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