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Farmers National BancFMNB +2.43%57 EV-to-FCF is 25.27 as of Jul. 26, 2026, which is 71% above its 10-year median of 14.74. GuruFocus rates FMNB with a GF Score™ of 57/100 and a GF Value™ of $15.45 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,197 Banks companies, Farmers National Banc ranks worse than 85.96% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Farmers National Banc's Enterprise Value is $1,189.8 Mil.
Farmers National Banc's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $47.1 Mil. Therefore, Farmers National Banc's EV-to-FCF for today is 25.27.
The historical rank and industry rank for Farmers National Banc's EV-to-FCF or its related term are showing as below:
FMNB'
s EV-to-FCF Range Over the Past 10 Years
Min: 6.88 Med: 14.74 Max: 54.14
Current: 25.27
During the past 13 years, the highest EV-to-FCF of Farmers National Banc was 54.14. The lowest was 6.88. And the median was 14.74.
FMNB's EV-to-FCF is ranked worse than 85.96% of 1197
companies
in the Banks industry
Industry Median: 6.85
vs FMNB: 25.27
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Farmers National Banc (NAS:FMNB) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Farmers National Banc's PE Ratio (TTM) for today is calculated as:
Farmers National Banc's share price for today is $15.185.
Farmers National Banc's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.470.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, Farmers National Banc's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Farmers National Banc's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Farmers National Banc's EV-to-FCF falls into.
Farmers National Banc's current Enterprise Value is $1,189.8 Mil.
Farmers National Banc's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $47.1 Mil.
* 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 EV-to-FCF of 25.27 as of Jul. 26, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Farmers National Banc and its competitors. This is 71% above median its historical median of 14.74. Over the past decade, Farmers National Banc's EV-to-FCF has ranged from 6.88 to 54.14. According to the industry distribution chart, Farmers National Banc ranks #1029 out of 1197 companies in the Banks industry, placing it in the top 86%.
Is Farmers National Banc's EV-to-FCF too high?
Farmers National Banc's current EV-to-FCF of 25.27 is 71% above median its 10-year median of 14.74. Over the past 10 years, this metric has ranged from a low of 6.88 to a high of 54.14. The Banks industry median EV-to-FCF is 6.85. Farmers National Banc's value of 25.27 is 268.9% above this industry median. Based on the distribution chart, Farmers National Banc ranks #1029 out of 1197 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Farmers National Banc has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Farmers National Banc's EV-to-FCF compare to MPB and EGBN?
According to the Banks industry distribution chart, Farmers National Banc ranks #1029 out of 1197 companies for EV-to-FCF. This places Farmers National Banc in the lower half of its industry. The industry median EV-to-FCF is 6.85. Farmers National Banc's value of 25.27 is 268.9% above this benchmark. Historically, Farmers National Banc's own EV-to-FCF has ranged from 6.88 to 54.14 over the past decade. While the company's 10-year median is 14.74 vs. the industry median of 6.85, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.85, based on 1,197 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Farmers National Banc's current EV-to-FCF of 25.27 is 268.9% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Farmers National Banc and its competitors. For the Banks industry, the median EV-to-FCF is 6.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Farmers National Banc's current EV-to-FCF is 25.27, which is 71% above median its own 10-year median of 14.74. 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 Fairly Valued. The stock's GF Value™ is $15.45, compared to a current price of $15.19 — trading 1.7% below its estimated fair value. The current EV-to-FCF is 25.27, which is 71% above median its 10-year median of 14.74 and 268.9% above the Banks industry median of 6.85. Farmers National Banc's overall GF Score™ is 57/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Farmers National Banc (FMNB), the current EV-to-FCF is 25.27 as of Jul. 26, 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 undervalued.
The current stock price of $15.19 is trading 1.7% below its estimated GF Value™ of $15.45.
GuruFocus considers Farmers National Banc to be Fairly Valued.
Key valuation signals for FMNB:
EV-to-FCF: 25.27 (71% above median its 10-year median of 14.74)
GF Value™: $15.45 vs. price of $15.19 (1.7% below fair value)
Industry Position: 268.9% above the Banks median (#1029 of 1197)
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.
57GF Score
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