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Upturn AI SWOT - About
Farmers National Banc Corp (FMNB)
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Upturn Advisory Summary
04/01/2025: FMNB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -10.56% | Avg. Invested days 26 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 495.01M USD | Price to earnings Ratio 10.79 | 1Y Target Price 15.33 |
Price to earnings Ratio 10.79 | 1Y Target Price 15.33 | ||
Volume (30-day avg) 97014 | Beta 0.88 | 52 Weeks Range 11.14 - 15.90 | Updated Date 04/1/2025 |
52 Weeks Range 11.14 - 15.90 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 5.21% | Basic EPS (TTM) 1.22 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.34% | Operating Margin (TTM) 43.15% |
Management Effectiveness
Return on Assets (TTM) 0.9% | Return on Equity (TTM) 11.34% |
Valuation
Trailing PE 10.79 | Forward PE 11.19 | Enterprise Value 810328640 | Price to Sales(TTM) 3.05 |
Enterprise Value 810328640 | Price to Sales(TTM) 3.05 | ||
Enterprise Value to Revenue 5.21 | Enterprise Value to EBITDA - | Shares Outstanding 37614600 | Shares Floating 36037454 |
Shares Outstanding 37614600 | Shares Floating 36037454 | ||
Percent Insiders 4.03 | Percent Institutions 40.76 |
Analyst Ratings
Rating 3.33 | Target Price 16.67 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Farmers National Banc Corp
Company Overview
History and Background
Farmers National Banc Corp. was founded in 1887 in Canfield, Ohio. It has grown through organic expansion and acquisitions, evolving into a diversified financial services provider in Ohio and Western Pennsylvania.
Core Business Areas
- Commercial Banking: Offers commercial loans, deposit accounts, and treasury management services to businesses of all sizes.
- Retail Banking: Provides a range of consumer banking products, including checking accounts, savings accounts, mortgages, and personal loans.
- Wealth Management: Offers financial planning, investment management, and trust services to individuals and families.
- Insurance: Provides a range of insurance products through affiliated agencies.
Leadership and Structure
The leadership team includes Kevin J. Helmick (President and CEO), and the organizational structure is a traditional hierarchical bank structure.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Farmers National Banc Corp has around 2.0% market share in their operating areas. Competitors include Huntington Bancshares (HBAN) and KeyCorp (KEY).
- Mortgages: Residential mortgage loans for home purchases and refinancing. Market share is estimated to be 1.5% in operating footprint. Competitors include national mortgage lenders and regional banks.
- Wealth Management Services: Investment management and financial planning services. Revenue contribution estimated at 10% of total revenue. Competitors include Raymond James (RJF) and Morgan Stanley (MS).
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, and technological disruption. Consolidation is also prevalent.
Positioning
Farmers National Banc Corp is a regional bank focused on community relationships and customer service. It aims to differentiate itself through local expertise and personalized attention.
Total Addressable Market (TAM)
The TAM for community banking in Ohio and Western Pennsylvania is estimated to be $50 billion. Farmers National Banc Corp captures a small, albeit growing, portion of this TAM.
Upturn SWOT Analysis
Strengths
- Strong local brand recognition
- Experienced management team
- High-quality loan portfolio
- Diversified revenue streams
Weaknesses
- Limited geographic reach compared to larger competitors
- Reliance on traditional banking services
- Higher expense ratios compared to larger banks
- Exposure to regional economic conditions
Opportunities
- Expanding into new markets through acquisitions
- Investing in digital banking technologies
- Growing wealth management business
- Increasing market share in existing markets
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates impacting loan demand
- Economic downturn in Ohio and Western Pennsylvania
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- HBAN
- KEY
- FFBC
Competitive Landscape
Farmers National Banc Corp competes with larger regional banks and community banks. Its competitive advantage lies in its local focus and customer service.
Major Acquisitions
First National Bank of Orrville
- Year: 2020
- Acquisition Price (USD millions): 79
- Strategic Rationale: Expanded Farmers National Banc Corp's presence in Northeast Ohio.
Growth Trajectory and Initiatives
Historical Growth: Farmers National Banc Corp has experienced steady growth in assets and earnings over the past decade, driven by organic expansion and acquisitions.
Future Projections: Future growth projections are based on analyst estimates and management guidance, focusing on efficiency gains and market expansion.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion of wealth management services, and strategic acquisitions.
Summary
Farmers National Banc Corp is a stable regional bank with a strong local presence. Its growth is driven by both organic expansion and strategic acquisitions. Increasing competition from larger banks and fintech companies pose a potential threat, but the company's focus on customer service and local expertise could help it maintain its market position. Future investments in digital banking and wealth management will be crucial for long-term success.
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Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share and financial data may be estimated and subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Farmers National Banc Corp
Exchange NASDAQ | Headquaters Canfield, OH, United States | ||
IPO Launch date 1999-01-04 | President, CEO & Director Mr. Kevin J. Helmick | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 682 | Website https://www.farmersbankgroup.com |
Full time employees 682 | Website https://www.farmersbankgroup.com | ||
Farmers National Banc Corp. operates as a bank holding company for The Farmers National Bank of Canfield engages in the banking, trust, retirement consulting, insurance, and financial management businesses. It offers commercial and retail banking services, including checking, savings, and time deposit accounts; commercial, mortgage and installment, and home equity loans; home equity lines of credit, night depository, safe deposit box, money order, bank check, automated teller machine, Internet banking, travel card, E bond transaction, brokerage, and other services. The company also provides personal and corporate trust services in the areas of estate settlement, trust administration, employee benefit plans, and retirement services; property and casualty insurance products and services; and various insurance products through licensed representatives, as well as invests in municipal securities. Farmers National Banc Corp. was founded in 1887 and is headquartered in Canfield, Ohio.
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