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FMNB
FARMERS NATIONAL BANC CORP /OH/
15.64
−0.13 −0.82%
USD · close Oct 30
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Work order
51
WATCH · insiders 56, shorts 45
Insiders, 90 days
+$22K
net buying · 1 buy, 0 sells
Congress, 90 days
0 / 0
no disclosures naming it
Big money
0 / 15
none of the tracked funds disclose it
Calls on record
0
nobody we score has called it yet
MKT CAP $926.6MP/E 10.6DIV YIELD —FCF YIELD 6.54%REV TTM $323.6M +16.7%NET INCOME $66.4M +31.7%NET DEBT $67.8M52W 12.30 – 16.38SEC XBRL · TTM TO Invalid Date
How FMNB rewrote its risk factors
Text kept
0%
of sentences unchanged
Added
17
new sentences
Dropped
1169
sentences removed
Length
−38,136
words, now 5,461
New in FY2025
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- The Chief Risk Officer is responsible for overseeing the assessment and management of the Company's information security program.
- The Chief Information Officer is responsible for execution, management, and administration of the information security tools and defenses of the program. true The Chief Risk Officer is responsible for overseeing the assessment and management of the Company's information security program.
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fmnb:SolarInvestmentTaxCreditMember 2025-12-31 0000709337 fmnb:SolarInvestmentTaxCreditMember 2025-01-01 2025-12-31 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 (Mark One) ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2025 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number 001-35296 Farmers National Banc Corp.
- (Exact name of registrant as specified in its charter) Ohio 34-1371693 (State or other jurisdiction of incorporation or organization) (I.R.S.
- Employer Identification No.) 20 South Broad Street , Canfield , Ohio 44406 (Address of principal executive offices) (Zip Code) Registrant ’ s telephone number, including area code: 330 - 533-3341 Securities registered pursuant to Section 12(b) of the Act: Title of each class Name of each exchange on which registered Common Shares, no par value The NASDAQ Stock Market LLC Securities registered pursuant to Section 12(g) of the Act: None (Title of Class) Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.
- Yes ☐ No ☒ Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.
- Yes ☐ No ☒ Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.
- Yes ☒ No ☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T ((§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).
- Yes ☒ No ☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company.
- See the definition of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
- Large accelerated filer ☐ Accelerated filer ☒ Non-accelerated filer ☐ Smaller reporting company ☐ Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. ☒ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
- Yes ☐ No ☒ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements. ☐ Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1 (b). ☐ As of June 30, 2025, the estimated aggregate market value of the registrant’s common shares, no par value (the only common equity of the registrant), held by non-affiliates of the registrant was approximately $ 498.8 million based upon the last sales price as of June 30, 2025 reported on NASDAQ.
- (The exclusion from such amount of the market value of the common shares owned by any person shall not be deemed as admission by the registrant that such person is an affiliate of the registrant).
- Securities registered pursuant to Section 12(b) of the Act: Title of each class Trading Symbol Name of each exchange on which registered Common Stock, No Par Value FMNB The NASDAQ Stock Market As of February 20, 2026, the registrant had outstanding 37,672,309 common shares, no par value.
- DOCUMENTS INCORPORATED BY REFERENCE Document into which Document is Incorporated Portions of the registrant’s definitive proxy statement for the 2025 III Annual Meeting of Shareholders FARMERS NATIONAL BANC CORP.
- FOR THE FISCAL YEAR ENDED December 31, 2025 PART I Item 1.
Gone since FY2024
- Item 1A Risk Factors.” Governance The Chief Risk Officer is responsible for overseeing the assessment and management of the Company's information security program.
- At December 31, 2024, the Company conducted its business from its main office at 30 South Broad Street, Canfield, Ohio and 62 full-service banking centers and 2 stand-alone loan production offices located in northeast Ohio.
- Farmers Trust operates five offices in northeast Ohio and Farmers Insurance operates two offices.
- Farmers also has a back-office operations facility located in Niles, Ohio.
- See Note 8 to the Consolidated Financial Statements for additional information.
- In the normal course of business, the Company and its subsidiaries are at times subject to pending and threatened legal actions, some for which the relief or damages sought are substantial.
- Although Farmers is not able to predict the outcome of such actions, after reviewing pending and threatened actions with counsel, management believes that, based on the information currently available, the outcome of such actions, individually or in the aggregate, would not have a material adverse effect on the results of operations or stockholders’ equity of the Company.
- However, it is possible that the ultimate resolution of these matters, if unfavorable, may be material to the results of operations in a particular future period as the time and amount of any resolution of such actions and its relationship to the future results of operations are not known.
- Market for Registrant’s Common Equity, Related Stoc kholder Matters and Issuers Purchases of Equity Securities.
- Market Information regarding the Company’s Common Shares.
- Farmers’ common shares currently trade under the symbol “FMNB” on the Nasdaq Capital Market.
- Farmers had approximately 3,970 holders of record of common shares at March 1, 2025.
- The following table sets forth price ranges and dividend information for Farmers’ common shares for the calendar quarters indicated.
- Quotations reflect inter-dealer prices without retail mark-up, mark-down or commission, and may not represent actual transactions.
- Certain limitations and restrictions on the ability of Farmers to continue to pay quarterly dividends are described under the caption “Capital Resources” in Item 7 of this Part II, and under the caption “Dividends and Transactions with Affiliates” in Item 1 of Part I.
- Quarter Ended March 31, 2024 June 30, 2024 September 30, 2024 December 31, 2024 High $ 14.75 $ 13.36 $ 16.32 $ 16.29 Low $ 12.29 $ 11.55 $ 12.01 $ 13.64 Cash dividends paid per share $ 0.17 $ 0.17 $ 0.17 $ 0.17 Quarter Ended March 31, 2023 June 30, 2023 September 30, 2023 December 31, 2023 High $ 15.08 $ 13.31 $ 14.25 $ 14.72 Low $ 11.56 $ 10.82 $ 11.25 $ 10.38 Cash dividends paid per share $ 0.17 $ 0.17 $ 0.17 $ 0.17 The following table provides information regarding the Company's purchases of its common shares during the quarter ended December 31, 2024: Period Total Number of Shares Purchased Average Price Paid per Share Total Number of Shares Purchased as Part of Publicly Announced Program Maximum Number of Shares that May Yet be Purchased Under the Program Beginning balance 497,047 October 1,918 $ 14.67 497,047 November 2,120 13.80 497,047 December 497,047 Ending balance 4,038 $ 14.21 497,047 On July 30, 2019, the Company announced that its Board of Directors authorized the purchase of up to 1,500,000 shares of its common stock in the open market or in privately negotiated transactions, from time to time and subject to market and other conditions.
- During the first two months of 2023, 347,846 shares were repurchased under this plan.
- On March 1, 2023, the Company announced that its Board of Directors authorized the purchase of up to 1,000,000 shares of its common stock in the open market or in privately negotiated transactions, from time to time and subject to market and other conditions.
- This 2023 Repurchase Program supersedes the Company’s prior share repurchase program discussed above.
- The 2023 Repurchase Program may be modified, suspended or terminated by the Company at any time.
- During 2024, no shares were repurchased under this plan.
- There were 497,047 shares left to repurchase under this plan at December 31, 2024.
- Management’s Discussion and Analysis of Financial Condition and Results of Operations.
- The following presents a discussion and analysis of Farmers’ financial condition and results of operations by its management.
- The review highlights the principal factors affecting earnings and the significant changes in balance sheet items for the years 2024, 2023 and 2022.
- Financial information for prior years is presented when appropriate.
- The objective of this financial review is to enhance the reader’s understanding of the accompanying tables and charts, the consolidated financial statements, notes to financial statements and financial statistics appearing elsewhere in this Annual Report on Form 10-K.
- Where applicable, this discussion also reflects management’s insights of known events and trends that have or may reasonably be expected to have a material effect on Farmers’ business, financial condition or results of operations.
- Cautionary Note Regarding Forward Looking Statements This Annual Report on Form 10-K contains “forward-looking statements” within the meaning of the safe harbor provisions of the U.S.
- Private Securities Litigation Reform Act of 1995.
- These forward-looking statements are not statements of historical fact, but rather statements based on Farmers’ current expectations, beliefs and assumptions regarding the future of Farmers’ business, future plans and strategies, projections, anticipated events and trends, its intended results and future performance, the economy and other future conditions.
- Forward-looking statements are preceded by terms such as “will,” “would,” “should,” “could,” “may,” “expect,” “estimate,” “believe,” “anticipate,” “intend,” “plan” “project,” or variations of these words, or similar expressions.
- Forward-looking statements are not a guarantee of future performance, and actual future results could differ materially from those contained in forward-looking information.
- Because forward-looking statements relate to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict and many of which are outside of our control.
- Numerous uncertainties, risks, and changes could cause or contribute to Farmers’ actual results, performance, and achievements to be materially different from those expressed or implied by the forward-looking statements.
- Factors that could cause or contribute to such differences include, without limitation, risks and uncertainties detailed from time to time in Farmers’ filings with the Commission, including without limitation the risk factors disclosed in Item 1A, “Risk Factors” of this Annual Report on Form 10-K.
- Many of these factors are beyond the Company’s ability to control or predict, and readers are cautioned not to put undue reliance on those forward-looking statements.
- The following, which is not intended to be an all-encompassing list, summarizes several factors that could cause the Company’s actual results to differ materially from those anticipated or expected in any forward-looking statement: • general economic conditions in markets where the Company conducts business, which could materially impact credit quality trends; • the length and extent of the economic impacts of the ongoing conflict in Ukraine; • actions by the Federal Reserve Board, U.S.
- Treasury and other government agencies, including those that impact money supply, market interest rates and inflation; • disruptions in the mortgage and lending markets and significant or unexpected fluctuations in interest rates related to governmental responses to inflation, including financial stimulus packages and interest rate changes; • general business conditions in the banking industry; • the regulatory environment; • general fluctuations in interest rates; • demand for loans in the market areas where the Company conducts business; • rapidly changing technology and evolving banking industry standards; • competitive factors, including increased competition with regional and national financial institutions; • Farmers' ability to attract, recruit and retain skilled employees; and • new service and product offerings by competitors and price pressures.
- Other factors not currently anticipated may also materially and adversely affect the Company’s results of operations, cash flows and financial position.
and 1129 more.
Sentence-level comparison of Item 1A in the two most recent 10-Ks (FY2024 ↗, FY2025 ↗). A reworded sentence counts as one dropped and one added, so heavy edits read as low “kept”. Headings and page furniture are stripped; nothing is summarised by a model.