Walmart's online grocery delivery boom is stretching store workers
Walmart's online business is booming, with the bulk of sales fulfilled through local stores. The job…
businessinsider.com
FMNB(FMNB)
FMNB
Next earnings: Jul 22, 2026 · Before open
Signal
Mixed1↑1↓
PRICE
Prev Close
13.82
Open
13.78
Day Range13.57 – 13.83
13.57
13.83
52W Range12.12 – 15.50
12.12
15.50
46% of range
VOLUME & SIZE
Avg Volume
408.1K
FUNDAMENTALS
P/E Ratio
9.4x
Value territory
EPS (TTM)
—
Div Yield
0.04%
Beta
0.45
Low vol
Performance
1D
+0.44%5D↓
-2.54%1M
-1.00%3M
+2.83%6M↑
+3.99%YTD
+3.75%1Y
+1.39%Best: 6M (+3.99%)Worst: 5D (-2.54%)
Quick Read
Trend—Insufficient MA data
Momentum
BULLISH
revenue +3% YoY · 65% gross marginValuation
CHEAP
P/E 9x vs ~20x sectorHealth
MODERATE
CR 0.1 (low) · FCF $1.05/shStrong Buy
Key MetricsTTM
Market Cap$536.71M
Revenue TTM$283.13M
Net Income TTM$57.27M
Free Cash Flow$47.10M
Gross Margin65.0%
Net Margin20.2%
Operating Margin24.3%
Return on Equity10.6%
Return on Assets0.8%
Debt / Equity0.58
Current Ratio0.11
EPS TTM$1.28
Alpha SignalsFull Analysis →
What Moves This Stock
Net interest margin expansion or compression driven by Fed policy and deposit competition
Loan growth rates in commercial and industrial (C&I) portfolios, particularly in Ohio manufacturing sector
Credit quality metrics including non-performing asset ratios and provision expense
Deposit franchise stability and cost of funds relative to regional competitors
Macro Sensitivity
Economic Cycle
moderate-to-high - Commercial loan demand correlates directly with regional business activity in Ohio's manufacturing and agricultural sectors. Consumer loan performance (mortgages, auto, home equity) depends on employment stability in the Youngstown-Canton-Akron corridor. However, diversified loan portfolio and conservative underwriting provide some downside protection during recessions.
Interest Rates
High sensitivity to Fed policy and yield curve shape. Rising short-term rates typically expand net interest margin as loan repricing outpaces deposit cost increases, though competitive deposit pressures in 2024-2025 compressed this benefit. A steeper yield curve (positive 10Y-2Y spread) is highly favorable, allowing the bank to borrow short and lend long profitably. Current flat/inverted curve environment pressures profitability.
Key Risks
Digital banking disruption from fintech competitors and national banks offering higher deposit rates online, pressuring deposit franchise
Regulatory burden disproportionately affects smaller banks with <$10B assets, limiting scale economies versus larger regionals
Secular decline in branch-based banking reduces competitive moat of physical footprint in Ohio/Pennsylvania
Investor Profile
value - Trading at 1.0x book value with 12.7% FCF yield attracts deep value investors seeking mean reversion in regional bank valuations. The 18.8% net income growth despite flat revenue suggests operational improvements. Dividend-focused investors may be attracted if payout ratio is sustainable, though recent -16.7% six-month performance indicates momentum investors are absent.
Watch on Earnings
Federal Funds Rate and forward guidance from FOMC meetings10-Year minus 2-Year Treasury spread (yield curve steepness)Ohio unemployment rate and regional manufacturing PMI dataNational non-performing loan trends for community banks (FDIC data)
Health Radar
1 strong1 watch4 concern
22/100Liquidity
0.11Concern
Leverage
0.58Strong
Coverage
0.7xConcern
ROE
10.6%Watch
ROIC
0.8%Concern
Cash
$20MConcern
ANALYST COVERAGE7 analysts
HOLD
▲ +2.4%upside to target
Stock Health
Composite Score
2 of 5 signals bullish
4/10
Technicals
●
✓RSI RangeRSI 56 — Bullish momentum
Volume
●
✗Volume FlowDistribution — institutional selling
Fundamentals
●
✓Last EarningsBeat estimates
●
~Analyst ConsensusHold
●
✗LiquidityCurrent Ratio 0.11 — liquidity risk
Upcoming Events
EEarnings ReportMay 17, 2026
Tomorrow
DEx-Dividend DateAug 14, 2026
In 90 days
PDividend PaymentAug 31, 2026
In 107 days
FinancialsFull statements →
Technicals
Technical SetupBULLISH
Technicals →Trend
▲ RallyDeath Cross · 50D trails 200D by 3.5%
+3.3% vs SMA 50 · -0.3% vs SMA 200
Momentum
RSI56.1Positive momentum, not extended
MACD+0.22Above zero — bullish momentum · compressing
Market Position
Price Levels
52W High
$15.50+13.4%
Current
$13.67
EMA 200
$13.62-0.4%
EMA 50
$13.44-1.6%
52W Low
$12.12-11.3%
52-Week RangeMid-range
$12.1246th %ile$15.50
Squeeze SetupVolume-based
Distribution PressureDistribution pattern detected. More selling days than accumulation over the past 20 sessions. Not a conducive environment for a squeeze.
20-Day Money Flow
Acc days:2
Dist days:2
Edge:Even
Volume Context
Avg Vol (50D)371K
Recent Vol (5D)
288K-22%
Based on volume distribution analysis. Direct short interest data (short float %, days to cover) is not available in current data sources.
Earnings & Analysts
ANALYST ESTIMATES
Consensus of 3 analysts
Analyst revisions:EPS↑ Revised UpRevenue↑ Revised Up
Analyst consensus estimates · Actuals replace estimates as reported
| Year | Revenue Est. | Rev Gth | EPS Est. | EPS Gth | Range | Analysts |
|---|---|---|---|---|---|---|
FY2023 | $169.1M $168.5M–$169.7M | — | $1.37 | — | ±0% | Low1 |
FY2024 | $173.7M $173.2M–$174.1M | ▲ +2.7% | $1.18 | ▼ -13.6% | ±1% | Moderate3 |
FY2025 | $194.4M $193.6M–$195.1M | ▲ +11.9% | $1.53 | ▲ +29.9% | ±1% | Moderate3 |
Range confidence:Tight (high)ModerateWide (low)
Earnings HistoryFMNB
Last 8Q
+0.5%avg beat
Beat 4 of 8 quartersMissed 2↑ Estimates rising—
Q3'24
-34%
Q4'24
+15%
Q1'25
+15%
Q2'25
—
Q3'25
+2%
Q4'25
-15%
Q1'26
+22%
Q2'26
Beat
Miss
Estimate
Deeper color = bigger beat/miss
Insider Activity
SEC Filings →6 Buys/0 SellsNet Buying
Varischetti Nichola…Dir
$26K
Mar 26
BUY
Varischetti Nichola…Dir
$947K
Mar 26
BUY
Richardson Gina ADir
$5K
Mar 19
BUY
Richardson Gina ADir
$16K
Mar 5
BUY
Muransky EdwardDir
$510K
Mar 3
BUY
Wallace Amber BSEVP/Chief Ret…
$195
Feb 2
BUY
Financials
Dividends4.97% yield
3 yrs of paymentsAnnual Yield4.97%
Quarterly Div.$0.1700
Est. Annual / Share$0.68
FrequencyQuarterly
Q2'24
Q3'24
Q4'24
Q1'25
Q2'25
Q3'25
Q4'25
Q1'26
Dividend per payment — last 8 periods
INSTITUTIONAL OWNERSHIP
1
BlackRock, Inc.
4.2M▲2
DIMENSIONAL FUND ADVISORS LP
1.5M▲3
FARMERS TRUST CO
724K▲4
NORTHERN TRUST CORP
533K▲5
BEESE FULMER INVESTMENT MANAGEMENT, INC.
373K▼6
VANGUARD FIDUCIARY TRUST CO
362K▲7
JPMORGAN CHASE & CO
339K▲8
Bank of New York Mellon Corp
338K▲News & Activity
FMNB News
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About
Founded in 1887, Farmers National Banc Corp. is a diversified financial services company headquartered in Canfield, Ohio, with $3 billion in banking assets. Farmers National Banc Corp.'s wholly-owned subsidiaries are comprised of The Farmers National Bank of Canfield, a full-service national bank engaged in commercial and retail banking with 41 banking locations in Mahoning, Trumbull, Columbiana, Stark, Wayne, Medina, Geauga and Cuyahoga Counties in Ohio and Beaver County in Pennsylvania; Farmers Trust Company, which operates five trust offices and offers services in the same geographic markets and Farmers National Insurance, LLC. Total wealth management assets under care at December 31, 2020 were $2.8 billion.
Michael LipkeSenior Vice President & Chief Credit Officer
Alan Troy AdairSenior Executive Vice President, Secretary, Treasurer & Chief Financial Officer
Mark Joseph WenickSenior Executive Vice President & Chief Wealth Management Officer
Peers— Financial Services(7 companies)
Screen sector →| Symbol | Price | Day % | Mkt Cap↓ | P/E | Rev Grw | Margin | ELO |
|---|---|---|---|---|---|---|---|
FMNB◀ | $13.67 | +0.44% | $537M | 10.7 | +88.3% | 2008.1% | 1500 |
| $297.81 | -0.70% | $798.0B | 14.1 | +330.7% | 2039.3% | 1503 | |
| $325.75 | +1.00% | $624.4B | 28.0 | +1134.0% | 5014.5% | 1500 | |
| $494.20 | +0.87% | $436.7B | 28.3 | +1641.6% | 4564.7% | 1490 | |
| $49.77 | -0.16% | $353.2B | 11.4 | -45.1% | 1592.6% | 1495 | |
| $192.51 | -1.04% | $303.6B | 16.6 | +1147.7% | 1466.4% | 1526 | |
| $948.47 | -2.11% | $279.8B | 15.9 | -138.4% | 1373.0% | 1526 | |
| Sector avg | — | -0.24% | — | 17.9 | +594.1% | 2579.8% | 1506 |