Farmers National Banc Corp.

Farmers National Banc Corp.

FMNBยทNASDAQ

$13.82

-3.0%
Financial ServicesBanks - Regional

Farmers National Banc Corp., a financial holding company, operates in the banking, trust, retirement consulting, insurance, and financial management industries. It offers commercial and retail banking services, including checking, savings, and time deposit accounts; commercial, mortgage and installment, and home equity loans; home equity lines of credit, night depository, safe deposit box, money order, bank check, automated teller machine, Internet banking, travel card, E bond transaction, MasterCard and Visa credit cards, brokerage, and other services. The company also provides personal and corporate trust services in the areas of estate settlement, trust administration, and employee benefit plans; retirement services; property and casualty insurance products and services; and various insurance products through licensed representatives, as well as invests in municipal securities. It operates through 47 locations in northeastern region of Ohio and one location in southwestern Pennsylvania. The company was founded in 1887 and is based in Canfield, Ohio.

At a Glance

Live Snapshot
Market Cap$542.60M
EPS1.4600
P/E Ratio9.47
Earnings Date07/22/2026
Farmers National Banc Corp.

Farmers National Banc Corp. Fair Value Envelope

FMNB ยท NASDAQ

Our analysis suggests that FMNB has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $13.82, this represents a potential HIDDEN relative to our calculated worth for Farmers National Banc Corp..

Intrinsic Value
Current Price: $13.82

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

$
%
$
%
$
$

Projection Settings

Forecast period and terminal assumptions

%
%

DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$584.8M
+ Cash & Equivalents$20.5M
Firm Value$605.3M
- Debt$367.7M
Equity Value$237.5M
/ Shares Outstanding37,646,549B
DCF Value$6
OVERVALUED BY 54%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$57.0M
$54.2M
$51.5M
$48.9M
$46.5M
$44.2M
$42.0M
$39.9M
$37.9M
$36.0M
Maintenance CapEx
-$1.5M
-$1.4M
-$1.3M
-$1.3M
-$1.2M
-$1.2M
-$1.1M
-$1.0M
-$991.6K
-$942.1K
Owner Earnings
$55.6M
$52.8M
$50.1M
$47.6M
$45.3M
$43.0M
$40.9M
$38.8M
$36.9M
$35.0M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$51.4M
$45.2M
$39.8M
$35.0M
$30.8M
$27.1M
$23.8M
$21.0M
$18.4M
$16.2M
Terminal Value represents 47.2% of Enterprise Value