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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.15
FMNB's Cash to Debt is ranked lower than
87% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. FMNB: 0.15 )
Ranked among companies with meaningful Cash to Debt only.
FMNB' s 10-Year Cash to Debt Range
Min: 0.07  Med: 0.23 Max: N/A
Current: 0.15
Equity to Asset 0.11
FMNB's Equity to Asset is ranked higher than
61% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FMNB: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
FMNB' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.10 Max: 0.12
Current: 0.11
0.08
0.12
Interest Coverage 2.53
FMNB's Interest Coverage is ranked higher than
62% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. FMNB: 2.53 )
Ranked among companies with meaningful Interest Coverage only.
FMNB' s 10-Year Interest Coverage Range
Min: 0.32  Med: 0.68 Max: 2.53
Current: 2.53
0.32
2.53
F-Score: 7
WACC vs ROIC
4.87%
4.54%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 22.16
FMNB's Operating margin (%) is ranked lower than
68% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. FMNB: 22.16 )
Ranked among companies with meaningful Operating margin (%) only.
FMNB' s 10-Year Operating margin (%) Range
Min: -420.41  Med: 24.24 Max: 41.19
Current: 22.16
-420.41
41.19
Net-margin (%) 17.15
FMNB's Net-margin (%) is ranked lower than
65% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. FMNB: 17.15 )
Ranked among companies with meaningful Net-margin (%) only.
FMNB' s 10-Year Net-margin (%) Range
Min: 13.71  Med: 25.17 Max: 221.84
Current: 17.15
13.71
221.84
ROE (%) 7.36
FMNB's ROE (%) is ranked lower than
56% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. FMNB: 7.36 )
Ranked among companies with meaningful ROE (%) only.
FMNB' s 10-Year ROE (%) Range
Min: 6.66  Med: 10.13 Max: 12.52
Current: 7.36
6.66
12.52
ROA (%) 0.79
FMNB's ROA (%) is ranked lower than
53% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. FMNB: 0.79 )
Ranked among companies with meaningful ROA (%) only.
FMNB' s 10-Year ROA (%) Range
Min: 0.62  Med: 0.90 Max: 1.45
Current: 0.79
0.62
1.45
ROC (Joel Greenblatt) (%) 16.07
FMNB's ROC (Joel Greenblatt) (%) is ranked lower than
83% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. FMNB: 16.07 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FMNB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -259.88  Med: 14.08 Max: 93.7
Current: 16.07
-259.88
93.7
Revenue Growth (3Y)(%) 1.00
FMNB's Revenue Growth (3Y)(%) is ranked lower than
55% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. FMNB: 1.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FMNB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -10.8  Med: 2.30 Max: 105.4
Current: 1
-10.8
105.4
EPS Growth (3Y)(%) -1.40
FMNB's EPS Growth (3Y)(%) is ranked lower than
74% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. FMNB: -1.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FMNB' s 10-Year EPS Growth (3Y)(%) Range
Min: -16  Med: -3.10 Max: 28.3
Current: -1.4
-16
28.3
» FMNB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2013

FMNB Guru Trades in Q4 2013

Jim Simons 15,202 sh (+8.59%)
» More
Q1 2014

FMNB Guru Trades in Q1 2014

Jim Simons Sold Out
» More
Q4 2014

FMNB Guru Trades in Q4 2014

Jim Simons 14,200 sh (New)
» More
Q1 2015

FMNB Guru Trades in Q1 2015

Jim Simons 21,600 sh (+52.11%)
» More
» Details

Insider Trades

Latest Guru Trades with FMNB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 16.84
FMNB's P/E(ttm) is ranked lower than
66% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. FMNB: 16.84 )
Ranked among companies with meaningful P/E(ttm) only.
FMNB' s 10-Year P/E(ttm) Range
Min: 5.24  Med: 15.52 Max: 29.8
Current: 16.84
5.24
29.8
Forward P/E 12.38
FMNB's Forward P/E is ranked lower than
53% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. FMNB: 12.38 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.70
FMNB's PE(NRI) is ranked lower than
65% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. FMNB: 16.70 )
Ranked among companies with meaningful PE(NRI) only.
FMNB' s 10-Year PE(NRI) Range
Min: 5.23  Med: 15.60 Max: 29.46
Current: 16.7
5.23
29.46
P/B 1.19
FMNB's P/B is ranked lower than
57% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FMNB: 1.19 )
Ranked among companies with meaningful P/B only.
FMNB' s 10-Year P/B Range
Min: 0.53  Med: 1.15 Max: 2.8
Current: 1.19
0.53
2.8
P/S 2.90
FMNB's P/S is ranked higher than
52% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. FMNB: 2.90 )
Ranked among companies with meaningful P/S only.
FMNB' s 10-Year P/S Range
Min: 0.93  Med: 2.77 Max: 6.63
Current: 2.9
0.93
6.63
PFCF 12.56
FMNB's PFCF is ranked lower than
55% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. FMNB: 12.56 )
Ranked among companies with meaningful PFCF only.
FMNB' s 10-Year PFCF Range
Min: 2.74  Med: 13.96 Max: 29.22
Current: 12.56
2.74
29.22
POCF 11.87
FMNB's POCF is ranked lower than
61% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. FMNB: 11.87 )
Ranked among companies with meaningful POCF only.
FMNB' s 10-Year POCF Range
Min: 2.59  Med: 11.59 Max: 19.81
Current: 11.87
2.59
19.81
EV-to-EBIT 18.87
FMNB's EV-to-EBIT is ranked lower than
67% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. FMNB: 18.87 )
Ranked among companies with meaningful EV-to-EBIT only.
FMNB' s 10-Year EV-to-EBIT Range
Min: 12.7  Med: 22.30 Max: 38.3
Current: 18.87
12.7
38.3
Shiller P/E 15.45
FMNB's Shiller P/E is ranked higher than
57% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. FMNB: 15.45 )
Ranked among companies with meaningful Shiller P/E only.
FMNB' s 10-Year Shiller P/E Range
Min: 6.16  Med: 12.11 Max: 25.77
Current: 15.45
6.16
25.77

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.46
FMNB's Dividend Yield is ranked lower than
76% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. FMNB: 1.46 )
Ranked among companies with meaningful Dividend Yield only.
FMNB' s 10-Year Dividend Yield Range
Min: 1.41  Med: 4.23 Max: 13.68
Current: 1.46
1.41
13.68
Dividend Payout 0.25
FMNB's Dividend Payout is ranked higher than
66% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FMNB: 0.25 )
Ranked among companies with meaningful Dividend Payout only.
FMNB' s 10-Year Dividend Payout Range
Min: 0.13  Med: 0.81 Max: 16
Current: 0.25
0.13
16
Yield on cost (5-Year) 0.67
FMNB's Yield on cost (5-Year) is ranked lower than
93% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. FMNB: 0.67 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FMNB' s 10-Year Yield on cost (5-Year) Range
Min: 0.64  Med: 1.93 Max: 6.25
Current: 0.67
0.64
6.25
Share Buyback Rate -0.70
FMNB's Share Buyback Rate is ranked higher than
62% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. FMNB: -0.70 )
Ranked among companies with meaningful Share Buyback Rate only.
FMNB' s 10-Year Share Buyback Rate Range
Min: 7.9  Med: -1.40 Max: -28.2
Current: -0.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.27
FMNB's Price/Tangible Book is ranked lower than
56% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. FMNB: 1.27 )
Ranked among companies with meaningful Price/Tangible Book only.
FMNB' s 10-Year Price/Tangible Book Range
Min: 0.58  Med: 1.34 Max: 2.75
Current: 1.27
0.58
2.75
Price/Projected FCF 0.75
FMNB's Price/Projected FCF is ranked lower than
56% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. FMNB: 0.75 )
Ranked among companies with meaningful Price/Projected FCF only.
FMNB' s 10-Year Price/Projected FCF Range
Min: 0.29  Med: 0.65 Max: 1.15
Current: 0.75
0.29
1.15
Price/Median PS Value 1.05
FMNB's Price/Median PS Value is ranked higher than
57% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. FMNB: 1.05 )
Ranked among companies with meaningful Price/Median PS Value only.
FMNB' s 10-Year Price/Median PS Value Range
Min: 0.35  Med: 1.22 Max: 7.81
Current: 1.05
0.35
7.81
Price/Graham Number 0.97
FMNB's Price/Graham Number is ranked lower than
61% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. FMNB: 0.97 )
Ranked among companies with meaningful Price/Graham Number only.
FMNB' s 10-Year Price/Graham Number Range
Min: 0.39  Med: 1.01 Max: 2.65
Current: 0.97
0.39
2.65
Earnings Yield (Greenblatt) (%) 5.28
FMNB's Earnings Yield (Greenblatt) (%) is ranked lower than
61% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. FMNB: 5.28 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FMNB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.6  Med: 4.50 Max: 7.9
Current: 5.28
2.6
7.9
Forward Rate of Return (Yacktman) (%) 3.80
FMNB's Forward Rate of Return (Yacktman) (%) is ranked lower than
71% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. FMNB: 3.80 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FMNB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -1  Med: 6.80 Max: 20.8
Current: 3.8
-1
20.8

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Farmers National Banc Corp is a one-bank holding company organized in 1983 under the laws of the State of Ohio and registered under the Bank Holding Company Act of 1956. The Company and its subsidiaries operate in the domestic banking, trust, retirement consulting, insurance and financial management industries. Its business consists of owning and supervising its subsidiaries. Its business activities are managed and financial performance is aggregated and reported in three lines of business, the Bank segment, the Trust segment and NAI segment. The Farmers National Bank of Canfield, the Bank is a full-service national banking association engaged in commercial and retail banking in Mahoning, Trumbull, Columbiana and Stark Counties in Ohio. Farmers Trust Company, Farmers Trust offers a full complement of personal and corporate trust services in the areas of estate settlement, trust administration and employee benefit plans. National Associates, Inc., during 2013, the Company completed the acquisition of all outstanding stock of the retirement planning consultancy National Associates, Inc. of Cleveland, Ohio. Its part of the Company's plan to increase the levels of noninterest income and to complement the existing retirement service currently being offered. The Company and its subsidiaries are subject to extensive regulation by federal and state regulatory agencies. As a bank holding company, it is subject to regulation under the BHCA and to inspection, examination and supervision by the Board of Governors of the Federal Reserve System.

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