FMNB combines attractive valuation, strong 28% revenue growth, and a breakout technical setup with a price that has already reached its target — causing a negative asymmetry gate failure — a mixed recent earnings track record, and elevated options-market risk pricing.
Thesis pillars
- Attractive Valuation With Strong Growth→Stable
- Target Reached Negative Asymmetry→Stable
- Breakout Technical Setup→Stable
- +2 more pillars — see the Why tab for full reasoning
Farmers National Banc Corp. (FMNB) Stock Analysis
Inst Constrain edge
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $14.15, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: core deposits (93.0%); Analyst target reached - limited upside remaining.
Farmers National Banc Corp. is an Ohio-based financial holding company operating The Farmers National Bank of Canfield in northeastern Ohio and western Pennsylvania, alongside Farmers Trust Company for trust, estate, and retirement services and Farmers National Insurance. The... Read more
Hold if already holding. Not a fresh buy at $14.15, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: core deposits (93.0%); Analyst target reached - limited upside remaining. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 6.3/10, moderate confidence.
Passes 4/8 gates (clean insider activity, news events none recent, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- LOWloan_portfoliocommercial and industrial loans10%10-K Item 1A: 'approximately 10.4% of our loan portfolio consisted of commercial and industrial loans'
- HIGHloan_portfoliocore deposits93%10-K Item 1A: 'Core deposits – savings and money market accounts, time deposits less than $250,000 and demand deposits—comprised approximately 93.0% of total deposits at December 31, 2025'
Material Events(8-K, last 90d)
- 2026-04-16Item 5.02LOWAt the April 16, 2026 Annual Meeting, shareholders approved the company's 2026 Equity Incentive Plan, reserving 1,000,000 shares of common stock for restricted stock, stock units, and share awards to directors, officers, and other eligible participants.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
1 floor-breaker
Momentum below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $14.15, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: core deposits (93.0%); Analyst target reached - limited upside remaining. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Target $14.67 (+3.7%), stop $13.59 (−4.1%), A.R:R -0.8:1. Score 6.3/10, moderate confidence.
Take-profit target: $14.67 (+3.7% upside). Target $14.67 (+3.7%), stop $13.59 (−4.1%), A.R:R -0.8:1. Stop-loss: $13.59.
Concentration risk — Loan Portfolio: core deposits (93.0%); Analyst target reached - limited upside remaining; Negative momentum.
Farmers National Banc Corp. trades at a P/E of 9.9 (forward 8.2). TrendMatrix value score: 8.0/10. Verdict: Hold.
9 analysts cover FMNB with a consensus score of 4.0/5. Average price target: $16.
What does Farmers National Banc Corp. do?Farmers National Banc Corp. is an Ohio-based financial holding company operating The Farmers National Bank of Canfield...
Farmers National Banc Corp. is an Ohio-based financial holding company operating The Farmers National Bank of Canfield in northeastern Ohio and western Pennsylvania, alongside Farmers Trust Company for trust, estate, and retirement services and Farmers National Insurance. The company completed its all-stock merger with Middlefield Banc Corp on March 2, 2026, converting each Middlefield share into 2.6 Farmers shares, and reported core deposits comprising approximately 93.0% of total deposits as of December 31, 2025.