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Farmers National Banc Corp FMNB Q3 2025 earnings

Reported October 22, 2025 · Before market open

Revenue$47.7MMiss by $3.3M
EPS$0.42Beat by $0.01
Revenue estimate$51.0M
EPS estimate$0.41

Next report

Oct 28, 2026 (in 3 months)
Revenue estimate$70.8M
EPS estimate$0.41

Financials

Q3 2025

Income statement

See full
Revenue$70.8M+60.1%
Net income$12.5M+46.0%

Balance sheet

See full
Cash & equivalents$23.8M-87.4%
Total debt$329.6M-13.3%
Total equity$465.9M+6.0%
Total assets$5.2B0.0%

Cash flow

See full
Operating cash flow$10.7M-55.1%
CapEx$1.7M-51.5%
Free cash flow$9.0M-55.8%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$542.49M-3.9%
Enterprise value$848.27M+12.3%
P/E10×-2.2×
P/S2.1×-1.2×

Profitability

See full
Net margin21.5%-5.5pp
FCF margin16.5%—

Returns & leverage

See full
Return on equity12%-0.2pp
Debt / equity0.7×-0.2×

Segments

By product

See full
Fiduciary And Trust$2.7M+7.9%
Credit And Debit Card$2.1M—
Deposit Account$1.9M-5.9%
Insurance Agency Commissions$1.4M-1.5%
Retirement Plan Consulting$1.1M—

By segment

See full
Bank$58.4M+4.0%
Trust$3.8M+18.1%

Versus estimates

Revenue

Q2 2026$70.4MBeat by $345.0KQ1 2026$56.3MBeat by $1.5MQ4 2025$49.1MMiss by $1.6M
Q3 2025$47.7MMiss by $3.3M
Q2 2025$47.0MMiss by $957.0KQ1 2025$44.7MMiss by $1.9M

Diluted EPS

Q2 2026$0.41Beat by $0.07Q1 2026$0.45Beat by $0.08Q4 2025$0.40Miss by $0.07
Q3 2025$0.42Beat by $0.01
Q2 2025$0.37In lineQ1 2025$0.39Beat by $0.05

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Questions, answered.

When did Farmers National Banc Corp report Q3 2025 earnings?
Farmers National Banc Corp (FMNB) reported Q3 2025 earnings on October 22, 2025 before market open.
What were Farmers National Banc Corp's Q3 2025 revenue and EPS?
Farmers National Banc Corp reported revenue of $47.7M and eps of $0.42 for Q3 2025.
Did Farmers National Banc Corp beat estimates in Q3 2025?
Revenue missed the consensus estimate of $51.0M by $3.3M. EPS beat the consensus estimate of $0.41 by $0.01.
How did Farmers National Banc Corp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 8.0% from $44.2M a year earlier and eps grew 82.6% from $0.23.
Where can I find Farmers National Banc Corp's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001437749-25-033486) directly on SEC EDGAR. The filing index links above go to sec.gov.