Farmers National Banc (FMNB) stock

Banking and loans , market cap $920M

Banking, loans, trust, and insurance services

Worth $920M

$15.58

-0.45%

As of Tuesday's close · Live for Pro members at the open

Quality Score

Above Average

In its industry

#53of 168

Banks

Checks firing

6of 14

Choppy

From 52-week high

-5.3%

under its best in a year

FMNB's Quality Score rose 1 point on Tue, Nov 10, to 11. Its price settled into a narrow range (2 chart checks started).

See FMNB's 14 chart checksSee it live, free until Thursday morning. No account. No card. Then keep going with a free account.

We do the work for you. Every stock is scored and ranked, every 15 seconds while the market is open. Here it's 15 minutes behind. Pro members see it live.

Why does FMNB lag the market?

Up 8% over five years while the S&P 500 rose 72%; up 23% in the past year.

Its pretax margin went from 39.1% to 23.2%; its share count went up 10.9%.

Sources: Price history, Nov 9, 2026; Annual reports, Dec 31, 2025

1 more reason, free with an account →1 more reason why FMNB lags the market, from its filings, with the other side and the timeline, for Pro members.

Key facts on FMNB

Key facts on FMNB
The company	Sales up 26% on the year
Latest filing	8-K, Oct 28 Reported its quarterly results

1 more reason behind FMNB's 11, free with an account →2 more reasons behind FMNB's 11, for Pro members.

What moves banks

Rate gap, 10-year minus 2-year+0.25 pt-0.09 ptTue Nov 10in a week

The 10-year Treasury yield minus the 2-year. Banks pay deposit rates tied to the short end and lend at rates tied to the long end, so this gap is one measure of their lending spread.

U.S. Treasury, daily yield curve, Tue Nov 10. Change over the week.

Net interest margin, deposits, 10-year Treasury yield, and 5 more, for Pro members.

FMNB catalysts

Coming up

After its last 4 reports it closed -0.5% on average, higher 2 of 4 times.

Why FMNB scores 11

Above Averagefor quality, not price, 6 of 14 chart checks firingWhat the Quality Score means

+6Chart checks 6 of 14 firing right now, one point each
+3Long-term trend above a rising 200-⁠day average, near its 52-⁠week high

Profit addsRead on the last four quarters against the four before, or the last full year where no quarters are filed.
Growth addsSales and margins against a year earlier: up to +3 for fast growth and widening margins, down to -2 when both shrink.
Dilution subtractsNew shares over the year: -1 at 10% more, -2 at 25% more.

No effect today: Run-up, Size, Volatility, Cash flow, Persistence, News, and Insider trades.

What every line is worth, and the reason behind it, on FMNB and every other stock.Get in free →

Price, score, chart checks, and the industry rank are from a snapshot taken at 10:56 PM ET, at least 15 minutes behind. How we rank stocks.

Tested. Our top-scored stocks returned 2.2x the average stock over the next month. Reconstructed after the fact; recorded live since Sep 9, 2026. How we tested it

Alert me when FMNB's Quality Score turns up

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How FMNB ranks in Banks

FMNB is #53 of 168 by Quality Score.

How FMNB ranks in Banks
Rank	Stock	Checks	Quality Score
1	TMPTompkins Financial	8/14	18
2	CBCCentral Bancompany	10/14	18
3	CHCOCity	8/14	17
	FITBFifth Third Bancorp		Open for its score
	FLGFlagstar Bank, National Association		Open for its score
	FNBF.N.B.		Open for its score
	FULTFulton Financial		Open for its score
53	FMNBFarmers National Banc	6/14	11

When does FMNB report earnings, and what happens after?

Expected to report Wed Jan 27, before the open (in 78 days).

What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.

What FMNB reported on Oct 28, 2026

The quarter

A profit of $0.25 a share.

“The increase was primarily driven by the acquisition of Middlefield.”

The quarter that ended Sep 30, from the company's press release

The press release The filing on EDGAR

Where the sales came from

Where the quarter's sales came from
Line	Q3 2026	Q2 2026	Q3 2025
By product
Fiduciary and Trustup 16%	$3.2M3%	$3.1M3%	$2.7M4%

Each quarter's sales and their share of its total. Figures as filed (SEC filing, Nov 6)

8 more lines, for Pro members.

The outlook

The outlook the company gave, by period
Measure	Figure
Q4 2026
Net interest margin	about 3.43% to 3.46%

Figures as filed (SEC filing, Oct 28)

In the company's words

“With these significant initiatives largely behind us, we expect to begin realizing their financial benefits in the fourth quarter, with additional contributions expected in 2027.”

From its results filing (SEC filing · Oct 28)

1 more sentence, for Pro members.

The numbers

Market value: $920M; today
Sales: $349M; up 25.8% on the year

Sales grew 15% a year over 3 years, fiscal 2022 to 2025.

Pays $0.72 a share a year.

2 more figures, for Pro members.

No analyst estimates on Breakaway: every figure here is filed.

The whole report on FMNB: every line of its sales, every outlook beside the one it replaced, and the company's words, for Pro members.

Close after the report, last 3

+1.6%+2.9%-0.3%

Apr 22Jul 22Oct 28

Reported	When	Gap	Reaction	5 days
Oct 28, 2026Before open	Before open	0.0%	-0.3%	+0.2%
Jul 22, 2026Before open	Before open	+1.3%	+2.9%	+9.7%
Apr 22, 2026Before open	Before open	+3.2%	+1.6%	+4.9%

FMNB closed higher after 2 of its last 4 reports.

All 4 reports, and FMNB's Quality Score going into each

FMNB sales and profit by year

Sales and profit by year

Sales grew every year from 2022 to 2025, to $280M. It made a profit in each of the four years.

FMNB has 6 of 14 chart checks firing

Trend1 of 5 shown

MA FAN 21 EMA W.EMA HH/HL 52W HI

Volume1 of 3 shown

VOL VDU U/D VOL

Tight range1 of 3 shown

ATR SQZ SQUEEZE NR7

Buying1 of 3 shown

OBV+CLOSE HI SPRING

The other 10 checks on FMNB, and all 14 on every stock.Get in free →

FMNB RSI today: 51.6, above its 50-day and 200-day averages

Not scored

RSI 51.6, MACD above signal, above both averages. Not scored.13 readings

The deep dive on FMNB

What it does and how it makes money1 findingFor Pro members1 finding on what FMNB does and how it makes money, for Pro members
What changed in its filings2 findingsA new heading in its "Risk Factors" this year: "We may be unable to integrate the business of the Company and Middlefield successfully or realize the anticipated benefits of the Merger." (10-K for fiscal 2025; not in fiscal 2024's)SEC filing · Mar 5, 2026, against the one of Mar 6, 2025
Who holds and trades it2 findingsDirector Gina A. Richardson bought $22K of shares on the open market on Sep 21, 2026, the only insider trade in 90 days.Form 4, filed Sep 22, 2026

3 more findings on FMNB, each with its source, for Pro members.

FMNB insider trades

One insider bought $22K across 1 filing, and 2 insiders sold $411K across 2 filings, in the last 6 months. The newest:

BuyGina A. Richardson$22KDirectorat $15.35 on Sep 21, filed Sep 22

BuyGina A. RichardsonDirector$22Kat $15.35 on Sep 21, filed Sep 22

All 3 insider filings on FMNB from the last six months, for Pro members.

All FMNB insider trades

FMNB's officers and directors

Officers and directors with a Form 4 in the last 12 months.

Kevin J. HelmickPresident & CEO · no trades on file
Alan Troy AdairSevp/cfo · no trades on file
Amber B. WallaceSEVP/Chief Retail & Marketing · 2 trades
Mark J. WenickSEVP/Chief Wealth Mgt Officer · 1 trade
Michael E. MatuszakSEVP/Chief Operating Officer · no trades on file
Gina A. RichardsonDirector · 3 trades
Nicholas D. VarischettiDirector · 2 trades
Edward MuranskyDirector · 1 trade

9 more officers and directors file at FMNB.

See insider trades by person

Which ETFs hold FMNB?

In ETFs: FMNB is under 0.1% of VTI, the most of the 24 funds Breakaway covers, by their holdings as filed for Jun 30, 2026.

About Farmers National Banc

Farmers National Banc Corp is a financial holding company based in the U.S. Along with its subsidiaries, it operates in the domestic banking, trust, retirement consulting, insurance, and financial management industries. The group offers a full range of commercial and retail banking services, including checking accounts, savings accounts, time deposit accounts, commercial, mortgage, and installment loans, safe deposit boxes, ATMs, internet banking, and other banking services. Additionally, it offers personal and corporate trust services in the areas of estate settlement, trust administration, employee benefit plans, and retirement services; insurance products, and other financial products and services. The group's reportable segments are Bank, which generates the maximum revenue, and Trust.

706 employeesCanfield, OHfarmersbankgroup.com

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CEOs buying their own stock
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Congress trades
A member's trades, newest first, each with its amount. Sort and filter the whole list.
14 chart checks, read for you
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What would move FMNB's score: 5 things
1 more filing explained, a plain line each
Real-⁠time prices, no delay

BreakawaySep 22Gina A. Richardson bought FMNB$22K at $15.35, filed Sep 22

Alerts are optional.

See FMNB's 14 chart checks

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Straight AnswersStraight Answers

As of Nov 10, 2026: FMNB's Quality Score is 11 (Above Average), #53 of 168 in Banks. Insiders bought $22K and sold $411K in the last 6 months (Form 4).

What does FMNB's Quality Score say?

FMNB scores 11 today, which Breakaway calls Above Average. It is #53 of 168 in Banks by Quality Score, with 6 of 14 chart checks firing. Up 8% over five years while the S&P 500 rose 72%; up 23% in the past year. Shares: 57.5% more than a year ago (to Sep 30). Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.

What is FMNB's Quality Score?

FMNB scores 11 today, which Breakaway calls Above Average (11 to 14). That is #53 of 168 in Banks by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind FMNB's 11.

Are insiders buying FMNB?

One insider bought $22K across 1 filing, and 2 insiders sold $411K across 2 filings, in the last 6 months. The newest is Gina A. Richardson, Director, who bought $22K on Sep 21. Every filing, with the scored weight, for Pro members.

Are the prices delayed?

Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.