What is the 13F Pro Quality Score for FMNB?

13F Pro ranks FARMERS NATIONAL BANC CORP /OH/ (FMNB) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View FMNB's current score at https://13fpro.ai/company/FMNB (free sign-up required for the full ranking).

Which hedge funds own the most FMNB stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of FMNB include BlackRock,, VANGUARD CAPITAL MANAGEMENT, STATE STREET. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/FMNB as soon as new 13F filings post.

Where does 13F Pro source FMNB data?

All FARMERS NATIONAL BANC CORP /OH/ fundamentals and ownership data come directly from SEC EDGAR. FARMERS NATIONAL BANC CORP /OH/ files with the SEC under CIK 709337. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is FMNB in?

FARMERS NATIONAL BANC CORP /OH/ (FMNB) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives FMNB's revenue?

Per FARMERS NATIONAL BANC CORP /OH/'s latest 10-Q filed with the SEC on 2026-05-07, the biggest revenue drivers are: Net Interest Income ($42.6M, +24% YoY); Noninterest Income ($13.7M, +31% YoY); Trust Segment Revenue ($3.9M, 12% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/FMNB.

What are FMNB's largest expenses?

FARMERS NATIONAL BANC CORP /OH/'s latest 10-Q reports these as the largest expense items: Salaries and Employee Benefits ($18.5M, +14% YoY); System Conversion and Merger Costs ($4.0M, n/a); Noninterest Expenses (Total) ($37.3M, +31% YoY). Sourced directly from SEC EDGAR filing text for Q1 2026 (quarter ended March 31, 2026).

How often is FMNB research updated on 13F Pro?

FMNB's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

FARMERS NATIONAL BANC CORP /OH/(FMNB)Stock Analysis

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13F Pro Quality Score

58.7/100

Rank #993 of 2,962 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

81.9/100

Profitability

82.1/100

Balance Sheet

43.6/100

Earnings Quality

31.0/100

Free Cash Flow

71.3/100

Institutional Flow

1.9/100

Revenue Scale

30.7/100

Dilution Risk

60.4/100

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Why FMNB Scores 59/100

exact factor attribution · 2026-09-11

FMNB's composite is driven by revenue growth and profitability, held back by scale and institutional flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+8.5 pts

82th pct

Profitability

+6.4 pts

82th pct

Free cash flow

+3.2 pts

71th pct

Earnings growth

+1.1 pts

66th pct

Shareholder dilution

+0.7 pts

60th pct

Capital efficiency

-0.8 pts

44th pct

Earnings quality

-1.9 pts

31th pct

Institutional flow

-3.2 pts

2th pct

Scale

-3.9 pts

31th pct

Latest change (2026-08-06): 68 → 63 · ↓ Revenue growth 93→66

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

FMNB Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for FARMERS NATIONAL BANC CORP /OH/ (FMNB), a Financials sector company. 13F Pro's AI-powered ranking engine scores FMNB at 58.7/100 on a 32-signal composite quality model, placing it at rank #993 of 2,962 stocks — the top half of the AI-ranked universe. FMNB scores in the top quartile across profitability (82.1), revenue growth (81.9). Areas of concern include institutional flow (1.9) and revenue scale (30.7), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), FARMERS NATIONAL BANC CORP /OH/ reports quarterly revenue of $100.5M, net income of $23.0M, an operating margin of 27.0%. Top institutional holders of FMNB by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, STATE STREET, based on the most recent SEC filings. FMNB trades on the Nasdaq exchange and files with the SEC under CIK 709337. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FMNB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FARMERS NATIONAL BANC CORP /OH/ directly from SEC EDGAR. FARMERS NATIONAL BANC CORP /OH/'s 13F Pro composite quality score has ranged between 35 and 63 since 2025, currently 58.7 — an improving long-term trajectory across 52 quarterly and live scoring snapshots.

✦

Fun facts about FARMERS NATIONAL BANC CORP /OH/

Quirks, history, and lore behind FMNB — the kind of stuff that makes a stock memorable.

1
The Basics
A community bank holding company · small-cap · listed on Nasdaq · headquartered in northeastern Ohio.
2
The Numbers
Total assets in the neighborhood of $4–5 billion, with a branch network spanning Ohio and Pennsylvania — big enough to matter locally, small enough that Wall Street barely notices.
3
The History
Rooted in Mahoning County, Ohio, it has grown steadily through community bank acquisitions, building a regional footprint one small deal at a time over several decades.
4
The Secret
It leans heavily on traditional banking basics — deposits, loans, and modest fee income — and has long been a reliable dividend payer beloved by income-focused retail investors.
5
The Lore
Despite its modest size, it has managed to string together acquisitions of other Ohio community banks with the quiet persistence of a company that knows its lane and never leaves it.
6
The Giveaway
The name alone tells you everything: it serves farmers and neighbors across the Ohio-Pennsylvania border, and its ticker — FMNB — is about as literal as a bank name gets.

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What's Driving FMNB's Business? Latest 10-Q Breakdown

✓ 36/36 datapoints verified

AI-extracted from FARMERS NATIONAL BANC CORP /OH/'s 10-Q filed 2026-05-07 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income of $16.3M ($0.36 diluted EPS) grew 20% YoY, driven by Middlefield Merger (closed March 2, 2026) which added $1.49B loans and $1.49B deposits, partially offset by $14.5M merger-related costs.

Biggest Revenue Drivers

Net Interest Income$42.6M+24% YoY

Net interest margin expanded 27 bps to 3.12% YoY; Middlefield merger contribution; deposit costs down 18 bps

Noninterest Income$13.7M+31% YoY

Trust fees $3.0M (+15%), insurance commissions $1.7M, recovered $303K mortgage servicing impairment, lower security losses

Biggest Revenue Drivers

Total revenue: $80.8M+19% YoY

Net Interest Income$42.6M+24% YoY

Net interest margin expanded 27 bps to 3.12% YoY; Middlefield merger contribution; deposit costs down 18 bps

Within Net Interest Income

Bank Segment Revenue$65.7M+21% YoY

Net interest income $55.1M plus loan and investment income of $10.5M

Noninterest Income$13.7M+31% YoY

Trust fees $3.0M (+15%), insurance commissions $1.7M, recovered $303K mortgage servicing impairment, lower security losses

Within Noninterest Income

Trust Segment Revenue$3.9M12% YoY

Trust fees $3.0M and retirement plan consulting fees $886K from wealth management operations

Largest Expense Items

Salaries and Employee Benefits$18.5M+14% YoY

Merger, employee raises, higher commission expense from fee-based business growth

System Conversion and Merger Costs$4.0Mn/a

Middlefield Merger integration and core system conversion to Jack Henry; $2.0M annual savings expected upon August 2026 completion

Noninterest Expenses (Total)$37.3M+31% YoY

Occupancy up to $5.1M (+24%), core processing $1.8M (+25%), other operating $3.8M

Margins: Net interest margin improved 27 bps to 3.12% from strong deposit cost reduction (18 bps) and loan yield growth, partially offset by lower yields on borrowings. Middlefield acquisition enhanced scale and diversified deposit base.

Watch Items from the Filing

Merger integration underway: $14.5M in Q1 2026 merger costs; $4.0M system conversion expense; full-year integration expenses and core system savings ($2.0M annually) remain on track for August 2026 cutover.
Asset quality deteriorated post-merger: nonperforming loans rose to 1.25% of total (vs. 0.79% at year-end 2025); nonperforming assets increased to 0.84% (vs. 0.50%); driven by Middlefield acquisition adds.
Securities portfolio marked down $189.7M unrealized losses at March 31 (vs. $181.8M at year-end), reflecting sustained rate environment; 913 of 1,068 securities underwater; management expects continued volatility.
Capital ratios remain strong post-merger: CET1 11.70%, total risk-based 14.63%, Tier 1 leverage 11.21%, all well above regulatory minimums, supporting continued growth and deployment opportunities.
Purchased loans as of March 31 included $67.9M in PCD/PSL with $5.2M allowance for credit losses; Day 1 reserves totaling $19.3M (PCD $4.0M + PSL $15.3M) to manage acquired credit risk.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$100.5M

Net Income

Q2 2026

$23.0M

Free Cash Flow

Q2 2026

$26.0M

Operating Margin

Q2 2026

27.0%

ROIC

Q2 2026

8.8%

D/E Ratio

Q2 2026

0.58

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+3.9% YoY

$279.9MFY 2025

FY22 $186.3MFY23 $255.2MFY24 $269.4MFY25 $279.9M

Net Income

+18.8% YoY

$54.6MFY 2025

FY22 $60.6MFY23 $49.9MFY24 $45.9MFY25 $54.6M

EPS (Diluted)

+18.9% YoY

$1.45FY 2025

FY22 $1.79FY23 $1.33FY24 $1.22FY25 $1.45

Total Assets

+2.5% YoY

$5.25BFY 2025

FY22 $4.08BFY23 $5.08BFY24 $5.12BFY25 $5.25B

Total Debt

-6.0% YoY

$367.7MFY 2025

FY22 $183.2MFY23 $443.7MFY24 $391.1MFY25 $367.7M

Op. Cash Flow

-9.9% YoY

$60.0MFY 2025

FY22 $81.5MFY23 $62.9MFY24 $66.6MFY25 $60.0M

Free Cash Flow

-5.0% YoY

$52.2MFY 2025

FY22 $78.9MFY23 $59.0MFY24 $54.9MFY25 $52.2M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$279.9M +3.9%	$269.4M +5.6%	$255.2M +37.0%	$186.3M +27.4%	$146.2M +10.5%	$132.4M
Net Income	$54.6M +18.8%	$45.9M -8.0%	$49.9M -17.6%	$60.6M +16.9%	$51.8M +23.8%	$41.9M
EPS (Diluted)	$1.45 +18.9%	$1.22 -8.3%	$1.33 -25.7%	$1.79 +1.1%	$1.77 +20.4%	$1.47
Total Assets	$5.25B +2.5%	$5.12B +0.8%	$5.08B +24.4%	$4.08B -1.5%	$4.14B +34.9%	$3.07B
Total Debt	$367.7M -6.0%	$391.1M -11.8%	$443.7M +142.2%	$183.2M +108.8%	$87.8M +11.2%	$78.9M
Operating Cash Flow	$60.0M -9.9%	$66.6M +5.9%	$62.9M -22.8%	$81.5M +48.4%	$54.9M +12.0%	$49.1M
Free Cash Flow	$52.2M -5.0%	$54.9M -7.0%	$59.0M -25.2%	$78.9M +47.4%	$53.6M +18.0%	$45.4M

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13F Pro tracks comprehensive data for FARMERS NATIONAL BANC CORP /OH/ including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of FMNB

BlackRock, Inc.
$70.1M4,798,011 sh
VANGUARD CAPITAL MANAGEMENT LLC
$36.3M2,483,972 sh
STATE STREET CORP
$29.1M1,989,971 sh
DIMENSIONAL FUND ADVISORS LP
$22.9M1,570,222 sh
GEODE CAPITAL MANAGEMENT, LLC
$22.3M1,523,677 sh
JPMORGAN CHASE & CO
$12.2M832,287 sh
NORTHERN TRUST CORP
$8.8M599,937 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$7.7M530,430 sh
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC
$7.4M504,386 sh
TWO SIGMA INVESTMENTS, LP
$7.2M490,698 sh

Fund	Value	Shares
BlackRock, Inc.	$70.1M	4,798,011
VANGUARD CAPITAL MANAGEMENT LLC	$36.3M	2,483,972
STATE STREET CORP	$29.1M	1,989,971
DIMENSIONAL FUND ADVISORS LP	$22.9M	1,570,222
GEODE CAPITAL MANAGEMENT, LLC	$22.3M	1,523,677
JPMORGAN CHASE & CO	$12.2M	832,287
NORTHERN TRUST CORP	$8.8M	599,937
VANGUARD PORTFOLIO MANAGEMENT LLC	$7.7M	530,430
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC	$7.4M	504,386
TWO SIGMA INVESTMENTS, LP	$7.2M	490,698

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Is FMNB a good stock to buy?

13F Pro's AI-powered analysis of FARMERS NATIONAL BANC CORP /OH/ (FMNB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FMNB are available on the FMNB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. FMNB is classified as a small company.

Which hedge funds own FMNB?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FMNB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FARMERS NATIONAL BANC CORP /OH/'s investment landscape.