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Farmers National BancFMNB +0.22%56 Net Margin % is 32.70% as of Jun. 2026, which is 8% above its 10-year median of 30.14. GuruFocus rates FMNB with a GF Score™ of 56/100 and a GF Value™ of $14.29 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,526 Banks companies, Farmers National Banc ranks better than 58.32% on this metric.
Farmers National Banc (NAS:FMNB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Farmers National Banc Net Margin % Related Terms
Farmers National Banc Net Margin % Historical Data
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The historical data trend for Farmers National Banc's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Farmers National Banc's Net Margin % distribution charts can be found below:
* The bar in red indicates where Farmers National Banc's Net 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 Net Margin % of 32.70% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Farmers National Banc and its competitors. This is near median its historical median of 30.14. Over the past decade, Farmers National Banc's Net Margin % has ranged from 22.50 to 37.87. According to the industry distribution chart, Farmers National Banc ranks #636 out of 1526 companies in the Banks industry, placing it in the top 41.7%.
Is Farmers National Banc's Net Margin % too high?
Farmers National Banc's current Net Margin % of 32.70% is near median its 10-year median of 30.14. Over the past 10 years, this metric has ranged from a low of 22.50 to a high of 37.87. The Banks industry median Net Margin % is 27.10. Farmers National Banc's value of 32.70% is 20.7% above this industry median. Based on the distribution chart, Farmers National Banc ranks #636 out of 1526 companies in the Banks industry, which is above 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 Net Margin % compare to FCBC and CCBG?
According to the Banks industry distribution chart, Farmers National Banc ranks #636 out of 1526 companies for Net Margin %. This puts Farmers National Banc in the upper half of its industry. The industry median Net Margin % is 27.10. Farmers National Banc's value of 32.70% is 20.7% above this benchmark. Historically, Farmers National Banc's own Net Margin % has ranged from 22.50 to 37.87 over the past decade. While the company's 10-year median is 30.14 vs. the industry median of 27.10, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.10, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Farmers National Banc's current Net Margin % of 32.70% is 20.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Farmers National Banc and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Farmers National Banc's current Net Margin % is 32.70%, which is near median its own 10-year median of 30.14. 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 $14.29, compared to a current price of $15.73 — trading 10.1% above its estimated fair value. The current Net Margin % is 32.70%, which is near median its 10-year median of 30.14 and 20.7% above the Banks industry median of 27.10. Farmers National Banc's overall GF Score™ is 56/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Farmers National Banc (FMNB), the current Net Margin % is 32.70% 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 $15.73 is trading 10.1% above its estimated GF Value™ of $14.29.
GuruFocus considers Farmers National Banc to be Fairly Valued.
Key valuation signals for FMNB:
Net Margin %: 32.70% (near median its 10-year median of 30.14)
GF Value™: $14.29 vs. price of $15.73 (10.1% above fair value)
Industry Position: 20.7% above the Banks median (#636 of 1526)
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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