How do I set a price alert for FMNB?

To set a FMNB price alert on Stock Alarm Pro, navigate to the FMNB quote page, select "Set Alert," choose your trigger type (price target, % move, RSI level, MACD, or volume breakout), and set your delivery channel. Stock Alarm Pro supports instant push notifications, SMS, and automated phone call alerts.

Can I get phone call alerts for FMNB?

Yes. Stock Alarm Pro provides real-time automated phone call alerts for FMNB. Phone call alerts ensure you are immediately awakened or interrupted during critical volatility events, overnight earnings moves, or strict stop-loss levels when silent push notifications might be overlooked.

What types of alerts can I set for Farmers National Banc Corp?

Stock Alarm Pro supports over 125 trigger types for FMNB: price target alerts (above/below target), intraday percentage moves, RSI overbought/oversold levels, 50-day and 200-day moving average crossovers (golden cross / death cross), relative volume (RVOL) spikes, confirmed earnings date releases, and SEC Form-4 insider transaction filings.

How quickly will I be notified about FMNB price changes?

FMNB alerts are evaluated continuously in real-time against live market telemetry. Notifications are dispatched within sub-second latency via push notifications, SMS, or phone calls as soon as your trigger condition is met across regular, pre-market, and after-hours trading sessions.

Is Stock Alarm Pro free to use for FMNB alerts?

Yes, Stock Alarm Pro offers a free tier that includes 3 active price alerts for FMNB and other stocks. Full Pro membership is $20/month or $168/year with a 7-day free trial, unlocking unlimited alerts, phone call delivery, SMS, all 125+ technical indicators, institutional screeners, and real-time market telemetry across web, iOS, and Android.

FMNB Company Intelligence - Business Model, Drivers & Risks

Farmers National Banc Corp.(FMNB)

$15.23—

WatchlistAsk AI Chart

Farmers National Banc Corp.(FMNB)

NASDAQAbout this data

$15.23—

WatchlistAsk AI Chart Studio

FMNB(FMNB)

FMNB

Farmers National Banc Corp. operates as a community bank holding company through its subsidiary Farmers National Bank, serving northeastern Ohio and western Pennsylvania with approximately 40 branches. The bank focuses on traditional commercial and retail banking, generating income primarily through net interest margin on loans and deposits. Trading at 1.0x book value with a 12.7% FCF yield, FMNB represents a value play on regional banking with exposure to Ohio's manufacturing and agricultural economy.

Financial ServicesRegional Community Banksmoderate - Branch network and compliance infrastructure represent significant fixed costs (personnel, technology, regulatory), but incremental loans generate high marginal returns once fixed costs are covered. The 23.9% operating margin suggests reasonable efficiency, though scale limitations versus larger regionals constrain operating leverage potential.

Business Overview

01Net interest income from commercial and retail loan portfolios (estimated 75-80% of revenue)

02Non-interest income including service charges, wealth management fees, and mortgage banking (estimated 20-25% of revenue)

03Treasury management and deposit account fees

FMNB earns spread between interest paid on deposits and interest collected on loans (net interest margin). With a 63.8% gross margin, the bank demonstrates solid efficiency in managing funding costs relative to loan yields. The company's community banking model provides relationship-based pricing power in commercial lending, particularly with small-to-medium businesses in Ohio/Pennsylvania markets. Operating leverage is moderate given the branch network's fixed cost base, but digital banking investments are reducing marginal costs per customer.

What Moves the 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

M&A activity in fragmented Ohio/Pennsylvania community banking market

Watch on Earnings

Net interest margin (NIM) and quarterly basis point changesLoan-to-deposit ratio and deposit mix (non-interest bearing vs. interest bearing)Efficiency ratio (non-interest expense / revenue)Net charge-offs and provision for credit losses as percentage of average loansTangible book value per share growth

Risk Factors

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

Intense competition from larger regionals (Huntington, Fifth Third, KeyCorp) with superior technology platforms and product breadth

Deposit pricing pressure from money market funds and online banks offering 4-5% yields versus traditional savings accounts

Loan pricing competition from non-bank lenders and credit unions in commercial middle-market

Interest rate risk if Fed cuts rates aggressively in 2026-2027, compressing net interest margin faster than deposit costs decline

Commercial real estate concentration risk in Ohio markets if property values decline or vacancy rates rise

Capital constraints at 12.0% ROE limit organic growth capacity without dilutive equity raises

StructuralCompetitiveBalance Sheet

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.

Credit

Significant credit exposure as core business model. Economic weakness in Ohio manufacturing or agricultural sectors would increase loan loss provisions. Commercial real estate concentration risk exists given regional focus. The 0.76 debt/equity ratio is manageable, but asset quality deterioration would pressure capital ratios and potentially limit dividend capacity.

Live Conditions

30-Year TreasuryRussell 2000 FuturesDow Jones Futures10-Year Treasury5-Year Treasury2-Year TreasuryS&P 500 Futures30-Day Fed Funds

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.

moderate-to-high - Small-cap regional banks exhibit elevated volatility during interest rate volatility or credit cycle concerns. The -9.4% three-month return amid broader banking sector pressures demonstrates sensitivity to systemic financial sector sentiment. Beta likely 1.2-1.5x versus S&P 500.

Key Metrics to Watch

Federal Funds Rate and forward guidance from FOMC meetings

10-Year minus 2-Year Treasury spread (yield curve steepness)

Ohio unemployment rate and regional manufacturing PMI data

National non-performing loan trends for community banks (FDIC data)

Deposit beta (percentage of rate changes passed through to depositors) versus peer group

Tangible common equity ratio and regulatory capital ratios

robotics manufacturing automation fintech margin expansion