Farmers National BancFMNB -0.07%56 Pretax Margin % is 35.50% as of Mar. 2026, which is 0% below its 10-year median of 35.65. GuruFocus rates FMNB with a GF Score™ of 56/100 and a GF Value™ of $15.35 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,526 Banks companies, Farmers National Banc ranks worse than 51.31% on this metric.
The historical rank and industry rank for Farmers National Banc's Pretax Margin % or its related term are showing as below:
FMNB'
s Pretax Margin % Range Over the Past 10 Years
Min: 30.69 Med: 35.65 Max: 45.52
Current: 34.31
FMNB's Pretax Margin % is ranked worse than 51.31% of 1526
companies
in the Banks industry
Industry Median: 34.655
vs FMNB: 34.31
Farmers National Banc (NAS:FMNB) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Farmers National Banc Pretax Margin % Related Terms
Farmers National Banc Pretax Margin % Historical Data
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The historical data trend for Farmers National Banc's Pretax 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.
FMNB vs MPB, EGBN, GSBC: Pretax Margin % Comparison
For the Banks - Regional subindustry, Farmers National Banc's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Farmers National Banc's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Farmers National Banc's Pretax 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 Pretax Margin % of 35.50% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Farmers National Banc and its competitors. This is near median its historical median of 35.65. Over the past decade, Farmers National Banc's Pretax Margin % has ranged from 30.69 to 45.52. According to the industry distribution chart, Farmers National Banc ranks #783 out of 1526 companies in the Banks industry, placing it in the top 51.3%.
Is Farmers National Banc's Pretax Margin % too high?
Farmers National Banc's current Pretax Margin % of 35.50% is near median its 10-year median of 35.65. Over the past 10 years, this metric has ranged from a low of 30.69 to a high of 45.52. The Banks industry median Pretax Margin % is 34.66. Farmers National Banc's value of 35.50% is 2.4% above this industry median. Based on the distribution chart, Farmers National Banc ranks #783 out of 1526 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 Pretax Margin % compare to MPB and EGBN?
According to the Banks industry distribution chart, Farmers National Banc ranks #783 out of 1526 companies for Pretax Margin %. This places Farmers National Banc in the lower half of its industry. The industry median Pretax Margin % is 34.66. Farmers National Banc's value of 35.50% is 2.4% above this benchmark. Historically, Farmers National Banc's own Pretax Margin % has ranged from 30.69 to 45.52 over the past decade. While the company's 10-year median is 35.65 vs. the industry median of 34.66, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.66, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Farmers National Banc's current Pretax Margin % of 35.50% is 2.4% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Farmers National Banc and its competitors. For the Banks industry, the median Pretax Margin % is 34.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Farmers National Banc's current Pretax Margin % is 35.50%, which is near median its own 10-year median of 35.65. 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 $15.35, compared to a current price of $14.14 — trading 7.9% below its estimated fair value. The current Pretax Margin % is 35.50%, which is near median its 10-year median of 35.65 and 2.4% above the Banks industry median of 34.66. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Farmers National Banc (FMNB), the current Pretax Margin % is 35.50% 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 $14.14 is trading 7.9% below its estimated GF Value™ of $15.35.
GuruFocus considers Farmers National Banc to be Fairly Valued.
Key valuation signals for FMNB:
Pretax Margin %: 35.50% (near median its 10-year median of 35.65)
GF Value™: $15.35 vs. price of $14.14 (7.9% below fair value)
Industry Position: 2.4% above the Banks median (#783 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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