Farmers National Banc (FMNB) Financial Statements & Analysis

Farmers National Banc (FMNB) Income Statement

Farmers National Banc reported revenue of $188.57M in fiscal 2025 (fiscal year ended Dec 31, 2025), down 30.0% from $269.45M a year earlier. Net income was $54.59M, up 18.8% year over year, a net margin of 28.9%. Gross margin was 92.0% and operating margin 34.5%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $72.84M, up 67.5% from the same quarter a year earlier.

Farmers National Banc Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Farmers National Banc Corp. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	188.57	269.45	255.20	158.87	141.29	148.49	130.03	117.27	104.58
Cost of Revenue	98.42	107.33	84.70	19.04	13.36	25.24	22.06	16.27	10.23
Gross Profit	173.41	162.12	170.49	158.87	141.29	123.25	107.97	101.00	94.35
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	64.10	5.82	59.17	22.79	17.73	41.36	39.24	39.50	38.13
Operating Expenses	108.36	106.69	111.80	86.04	79.18	72.98	64.90	62.72	61.19
Operating Income	65.05	55.43	58.70	72.84	62.11	50.27	43.08	38.28	33.16
Other Income/Expense
Interest Income	231.86	226.28	211.35	141.22	115.96	111.78	101.36	91.11	79.99
Interest Expense	91.35	99.36	75.55	17.92	8.47	16.14	19.61	13.27	6.88
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	65.05	55.43	58.70	72.84	62.11	50.27	43.08	38.28	33.16
Income Tax Expense	10.46	9.48	8.77	12.24	10.27	8.40	7.32	5.71	10.45
Net Income	54.59	45.95	49.93	60.60	51.84	41.88	35.76	32.57	22.71
Net Income - Continuous Operations	54.59	45.95	49.93	60.60	51.84	41.88	35.76	32.57	22.71
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	6.78	61.83	66.03	4.90	3.54	53.39	45.91	41.27	36.30
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	2.90	6.40	7.33	1.97	3.54	3.12	2.84	2.99	3.14
Earnings Per Share
Basic EPS	1.00	1.00	1.00	2.00	2.00	1.00	1.00	1.00	1.00
Diluted EPS	1.00	1.00	1.00	2.00	2.00	1.00	1.00	1.00	1.00
Basic Shares Outstanding	37.39	37.33	37.26	33.84	29.17	28.27	27.74	27.68	27.57
Diluted Shares Outstanding	37.63	37.51	37.50	33.93	29.28	28.39	27.88	27.97	27.62

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Farmers National Banc Financial Statements

What was Farmers National Banc's revenue in fiscal 2025?

Farmers National Banc reported revenue of $188.57M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was down 30.0% from $269.45M a year earlier.

Is Farmers National Banc profitable?

Yes. Farmers National Banc earned net income of $54.59M in fiscal 2025, a net margin of 28.9%. In fiscal 2024 it earned $45.95M.

What is Farmers National Banc's operating margin?

Farmers National Banc's operating income was $65.05M on revenue of $188.57M in fiscal 2025, an operating margin of 34.5%, compared with 20.6% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition