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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 weeks)
Revenue estimate$70.8M
EPS estimate$0.39

Financials

Q4 2025

Income statement

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

Balance sheet

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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

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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

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

Segments

By product

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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%

FAQ

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.