Skip to content
OpenCapital
Get started

Farmers National Banc Corp FMNB Q4 2025 Annual earnings

Reported January 28, 2026 · Before market open

Revenue$49.1MMiss by $1.6M
EPS$0.40Miss by $0.07
Revenue estimate$50.7M
EPS estimate$0.47

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$71.5M+62.0%
Net income$14.6M+1.7%

Balance sheet

See full
Cash & equivalents$20.5M+0.3%
Total debt$375.9M-6.3%
Total equity$485.7M+19.6%
Total assets$5.2B+2.5%

Cash flow

See full
Operating cash flow$19.6M+58.1%
CapEx$1.1M-75.5%
Free cash flow$18.6M+132%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$501.54M-6.2%
Enterprise value$856.99M-6.4%
P/E9.2×-2.4×
P/S1.8×-1.4×

Profitability

See full
Net margin19.5%-7.5pp
FCF margin18.6%-13.7pp

Returns & leverage

See full
Return on equity12.2%+0.9pp
Debt / equity0.8×-0.2×

Segments

By product

See full
Fiduciary And Trust$3.1M+14.0%
Credit And Debit Card$2.0M—
Deposit Account$1.8M-3.1%
Insurance Agency Commissions$1.6M+23.1%
Retirement Plan Consulting$1.0M—

By segment

See full
Bank$58.5M+3.6%
Trust$4.1M+19.5%

Versus estimates

Revenue

Q2 2026$70.4MBeat by $345.0KQ1 2026$56.3MBeat by $1.5M
Q4 2025$49.1MMiss by $1.6M
Q3 2025$47.7MMiss by $3.3MQ2 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 $0.08
Q4 2025$0.40Miss by $0.07
Q3 2025$0.42Beat by $0.01Q2 2025$0.37In lineQ1 2025$0.39Beat by $0.05

Ask the moment Farmers National Banc Corp reports.

Connect your AI and ask the moment the filing drops. It reads the release, surfaces what management said, and gives you its own read.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

When did Farmers National Banc Corp report Q4 2025 earnings?
Farmers National Banc Corp (FMNB) reported Q4 2025 earnings on January 28, 2026 before market open.
What were Farmers National Banc Corp's Q4 2025 revenue and EPS?
Farmers National Banc Corp reported revenue of $49.1M and eps of $0.40 for Q4 2025.
Did Farmers National Banc Corp beat estimates in Q4 2025?
Revenue missed the consensus estimate of $50.7M by $1.6M. EPS missed the consensus estimate of $0.47 by $0.07.
How did Farmers National Banc Corp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 11.2% from $44.2M a year earlier and eps grew 2.6% from $0.39.
Where can I find Farmers National Banc Corp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001437749-26-002244) and the 10-K periodic report (0001437749-26-007084) directly on SEC EDGAR. The filing index links above go to sec.gov.