Farmers National Banc Corp. Reports Q4 2025 Highlights
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1d ago
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Source: Newsfilter
- Sustained Profitability: Farmers National Banc Corp. has achieved 172 consecutive quarters of profitability, reporting a net income of $14.6 million and diluted earnings per share of $0.39 for Q4 2025, highlighting the company's ongoing strength in community banking.
- Improved Net Interest Margin: The net interest margin increased to 3.05% in Q4 2025 from 3.00% in Q3 2025 and 2.72% in Q4 2024, reflecting lower funding costs due to interest rate cuts, which are expected to continue driving revenue growth in the future.
- Decline in Nonperforming Loans: Nonperforming loans decreased from $35.3 million in Q3 2025 to $26.2 million in Q4 2025, demonstrating effective credit quality management and enhancing investor confidence in the company's risk management capabilities.
- Stable Deposit Growth: Customer deposits grew by $151 million, or 3.6%, in 2025, with a $35.6 million increase in Q4 excluding public funds, indicating the company's ongoing efforts to attract customer deposits despite a slight decline in total deposits.
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Analyst Views on FMNB
Wall Street analysts forecast FMNB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FMNB is 15.00 USD with a low forecast of 14.00 USD and a high forecast of 16.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 12.760
Low
14.00
Averages
15.00
High
16.00
Current: 12.760
Low
14.00
Averages
15.00
High
16.00
About FMNB
Farmers National Banc Corp. is a financial holding company. The Company operates principally through its wholly owned subsidiaries, The Farmers National Bank of Canfield (the Bank) and Farmers Trust Company (Farmers Trust). The Company and its subsidiaries operate in the domestic banking, trust, retirement consulting, insurance and financial management industries. The Bank is a full-service national banking association engaged in commercial and retail banking mainly in the northeastern region of Ohio and the western region of Pennsylvania. The Bank’s commercial and retail banking services include checking accounts, savings accounts, time deposit accounts, commercial, mortgage and installment loans, home equity loans, home equity lines of credit, night depository, safe deposit boxes, money orders, bank checks, automated teller machines, Internet banking, travel cards, E Bond transactions, brokerage services and other miscellaneous services normally offered by commercial banks.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Farmers National Banc Corp. Reports Q4 2025 Highlights
- Sustained Profitability: Farmers National Banc Corp. has achieved 172 consecutive quarters of profitability, reporting a net income of $14.6 million and diluted earnings per share of $0.39 for Q4 2025, highlighting the company's ongoing strength in community banking.
- Improved Net Interest Margin: The net interest margin increased to 3.05% in Q4 2025 from 3.00% in Q3 2025 and 2.72% in Q4 2024, reflecting lower funding costs due to interest rate cuts, which are expected to continue driving revenue growth in the future.
- Decline in Nonperforming Loans: Nonperforming loans decreased from $35.3 million in Q3 2025 to $26.2 million in Q4 2025, demonstrating effective credit quality management and enhancing investor confidence in the company's risk management capabilities.
- Stable Deposit Growth: Customer deposits grew by $151 million, or 3.6%, in 2025, with a $35.6 million increase in Q4 excluding public funds, indicating the company's ongoing efforts to attract customer deposits despite a slight decline in total deposits.
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Farmers National Reports Q4 Revenue of $49.11M with Improved Margins
- Revenue Growth: Farmers National reported Q4 revenue of $49.11 million for 2025, indicating robust performance in the market that is likely to enhance investor confidence moving forward.
- Net Interest Margin Improvement: The net interest margin increased to 3.05% in Q4 2025 from 3.00% in Q3 2025, and up from 2.72% in Q4 2024, reflecting enhanced profitability for the company.
- Customer Deposit Growth: Customer deposits (excluding brokered CDs) grew by $151 million in 2025, representing a 3.6% increase, which highlights the company's successful strategy in attracting deposits and strengthening liquidity.
- Decline in Nonperforming Loans: Nonperforming loans decreased to $26.2 million in Q4, down from $35.3 million in Q3, demonstrating effective risk management and improved asset quality within the company.
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