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Farmers National BancFMNB +0.92%58 Equity-to-Asset is 0.11 as of Jun. 2026, which is at its 10-year median of 0.11. GuruFocus rates FMNB with a GF Score™ of 58/100 and a GF Value™ of $13.75 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,517 Banks companies, Farmers National Banc ranks better than 63.88% on this metric.
Farmers National Banc (NAS:FMNB) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Farmers National Banc Equity-to-Asset Related Terms
Farmers National Banc Equity-to-Asset Historical Data
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The historical data trend for Farmers National Banc's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FMNB vs MPB, FCBC, HAFC: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Farmers National Banc's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Farmers National Banc Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Farmers National Banc's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Farmers National Banc's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Farmers National Banc's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Farmers National Banc (FMNB) has a Equity-to-Asset of 0.11 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Farmers National Banc and its competitors. This is near median its historical median of 0.11. Over the past decade, Farmers National Banc's Equity-to-Asset has ranged from 0.06 to 0.12. According to the industry distribution chart, Farmers National Banc ranks #548 out of 1517 companies in the Banks industry, placing it in the top 36.1%.
Is Farmers National Banc's Equity-to-Asset too high?
Farmers National Banc's current Equity-to-Asset of 0.11 is near median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.12. The Banks industry median Equity-to-Asset is 0.10. Farmers National Banc's value of 0.11 is 10% above this industry median. Based on the distribution chart, Farmers National Banc ranks #548 out of 1517 companies in the Banks industry, which is above the industry midpoint. Overall, Farmers National Banc has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Farmers National Banc's Equity-to-Asset compare to MPB and FCBC?
According to the Banks industry distribution chart, Farmers National Banc ranks #548 out of 1517 companies for Equity-to-Asset. This puts Farmers National Banc in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Farmers National Banc's value of 0.11 is 10% above this benchmark. Historically, Farmers National Banc's own Equity-to-Asset has ranged from 0.06 to 0.12 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.10, Farmers National Banc has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Farmers National Banc's current Equity-to-Asset of 0.11 is 10% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Farmers National Banc and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Farmers National Banc's current Equity-to-Asset is 0.11, which is near median its own 10-year median of 0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Farmers National Banc stock overvalued right now?
Based on GuruFocus' analysis, Farmers National Banc (FMNB) is currently considered Modestly Overvalued. The stock's GF Value™ is $13.75, compared to a current price of $15.89 — trading 15.5% above its estimated fair value. The current Equity-to-Asset is 0.11, which is near median its 10-year median of 0.11 and 10% above the Banks industry median of 0.10. Farmers National Banc's overall GF Score™ is 58/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Farmers National Banc (FMNB), the current Equity-to-Asset is 0.11 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Farmers National Banc (FMNB) Overvalued in 2026?
Based on GuruFocus' analysis, Farmers National Banc stock appears to be overvalued.
The current stock price of $15.89 is trading 15.5% above its estimated GF Value™ of $13.75.
GuruFocus considers Farmers National Banc to be Modestly Overvalued.
Key valuation signals for FMNB:
Equity-to-Asset: 0.11 (near median its 10-year median of 0.11)
GF Value™: $13.75 vs. price of $15.89 (15.5% above fair value)
Industry Position: 10% above the Banks median (#548 of 1517)
No single metric tells the full story. See the FMNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Farmers National Banc Corp is a financial holding company based in the U.S. Along with its subsidiaries, it operates in the domestic banking, trust, retirement consulting, insurance, and financial management industries. The group offers a full range of commercial and retail banking services, including checking accounts, savings accounts, time deposit accounts, commercial, mortgage, and installment loans, safe deposit boxes, ATMs, internet banking, and other banking services. Additionally, it offers personal and corporate trust services in the areas of estate settlement, trust administration, employee benefit plans, and retirement services; insurance products, and other financial products and services. The group's reportable segments are Bank, which generates the maximum revenue, and Trust.
58GF Score
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