FMNB
Farmers National Banc Corp.14.42
+0.04+0.28%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
542.96MP/E (TTM)
10.01Basic EPS (TTM)
1.44Dividend Yield
0.05%Recent Filings
10-Q
Q3 FY2025 results
Farmers National Banc Corp. posted Q3 net income of $12.5M, up 46% y/y, with diluted EPS steady at $0.33 on 37.7M shares—reconciles precisely. Net interest income climbed 14% y/y to $36.3M as margin expanded 34bp to 3.00%, fueled by lower deposit costs and short-term borrowings dropping from $305M to $235M while FHLB capacity sits at $618M available. Provision plunged 80% y/y to $1.4M amid benign credit; noninterest income dipped on security sales yet trust and retirement fees grew post-Crest acquisition (Dec 2024, $0.6M cash plus $0.4M contingent, $0.8M intangibles). Cash hit $92M; deposits swelled to $4.4B. Signed all-stock merger with Middlefield, valued ~$299M. CRE non-owner occupied weighs on credit radar.
8-K
Merger with Middlefield announced
Farmers National Banc Corp announced Q3 net income of $12.5M alongside a merger with Middlefield Banc Corp, an all-stock deal converting each Middlefield share to 2.6 Farmers shares at ~$299M value. Deal targets Q1 2026 close, creating $7.4B asset franchise with 83 branches across Ohio and Pennsylvania. Merger needs shareholder, regulatory nods. Risks include integration snags.
10-Q
Q2 FY2025 results
Farmers National Banc Corp. posted Q2 net income of $13.9M, up 18% y/y from $11.8M, with diluted EPS steady at $0.37 (reconciles to 37.6M shares). Net interest income climbed 9% y/y to $34.9M on a 20bp NIM expansion to 2.91%, fueled by lower deposit costs while loan yields held firm; noninterest income surged 26% on trust fees, insurance commissions, and debit cards. Provision hit $3.6M versus $1.4M y/y, tied to specific commercial real estate reserves per MD&A. Deposits swelled $130M to $4.4B, funding a $102M drop in short-term FHLB borrowings to $203M (additional $597M available); cash ended at $91M. Crest Retirement closed Dec 2024 for $1M (cash/contingent), adding $770K intangibles. Non-GAAP metrics not disclosed in the 10-Q. Commercial real estate concentration poses ongoing risk.
8-K
Q2 earnings up, loans grow
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