Farmers National BancFMNB +1.32%56 FCF Margin % is 12.56% as of Mar. 2026, which is 62% below its 10-year median of 33.33. GuruFocus rates FMNB with a GF Score™ of 56/100 and a GF Value™ of $15.21 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,505 Banks companies, Farmers National Banc ranks worse than 54.15% on this metric.
The historical rank and industry rank for Farmers National Banc's FCF Margin % or its related term are showing as below:
FMNB'
s FCF Margin % Range Over the Past 10 Years
Min: 23.52 Med: 33.33 Max: 49.34
Current: 23.52
During the past 13 years, the highest FCF Margin % of Farmers National Banc was 49.34%. The lowest was 23.52%. And the median was 33.33%.
FMNB's FCF Margin % is ranked worse than 54.15% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs FMNB: 23.52
Farmers National Banc FCF Margin % Related Terms
Farmers National Banc FCF Margin % Historical Data
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The historical data trend for Farmers National Banc's FCF Margin % 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.
For the Banks - Regional subindustry, Farmers National Banc's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Farmers National Banc's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Farmers National Banc's FCF Margin % falls into.
* 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 FCF Margin % of 12.56% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Farmers National Banc and its competitors. This is 62% below median its historical median of 33.33. Over the past decade, Farmers National Banc's FCF Margin % has ranged from 23.52 to 49.34. According to the industry distribution chart, Farmers National Banc ranks #815 out of 1505 companies in the Banks industry, placing it in the top 54.2%.
Is Farmers National Banc's FCF Margin % too high?
Farmers National Banc's current FCF Margin % of 12.56% is 62% below median its 10-year median of 33.33. Over the past 10 years, this metric has ranged from a low of 23.52 to a high of 49.34. The Banks industry median FCF Margin % is 26.42. Farmers National Banc's value of 12.56% is 52.5% below this industry median. Based on the distribution chart, Farmers National Banc ranks #815 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, Farmers National Banc has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Farmers National Banc's FCF Margin % compare to CAC and EGBN?
According to the Banks industry distribution chart, Farmers National Banc ranks #815 out of 1505 companies for FCF Margin %. This places Farmers National Banc in the lower half of its industry. The industry median FCF Margin % is 26.42. Farmers National Banc's value of 12.56% is 52.5% below this benchmark. Historically, Farmers National Banc's own FCF Margin % has ranged from 23.52 to 49.34 over the past decade. While the company's 10-year median is 33.33 vs. the industry median of 26.42, Farmers National Banc has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Farmers National Banc's current FCF Margin % of 12.56% is 52.5% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Farmers National Banc and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Farmers National Banc's current FCF Margin % is 12.56%, which is 62% below median its own 10-year median of 33.33. 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 $15.21, compared to a current price of $14.59 — trading 4.1% below its estimated fair value. The current FCF Margin % is 12.56%, which is 62% below median its 10-year median of 33.33 and 52.5% below the Banks industry median of 26.42. Farmers National Banc's overall GF Score™ is 56/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Farmers National Banc (FMNB), the current FCF Margin % is 12.56% as of Mar. 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 $14.59 is trading 4.1% below its estimated GF Value™ of $15.21.
GuruFocus considers Farmers National Banc to be Fairly Valued.
Key valuation signals for FMNB:
FCF Margin %: 12.56% (62% below median its 10-year median of 33.33)
GF Value™: $15.21 vs. price of $14.59 (4.1% below fair value)
Industry Position: 52.5% below the Banks median (#815 of 1505)
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.
56GF Score
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