कंपनी का अवलोकन
Farmers National Banc Corp. operates as a bank holding company that oversees The Farmers National Bank of Canfield, providing a comprehensive suite of services including banking, trust, retirement consulting, insurance, and financial management. The institution serves both commercial and retail sectors by offering essential financial products such as checking accounts, savings plans, and time deposits. This entity functions within the Financial Services sector, specifically categorized under the Banks - Regional industry, which implies a focus on localized lending and deposit gathering rather than national or international scope. With a market capitalization of $823.88M and an annual revenue of $181.50M, the company demonstrates a tangible operational scale supported by a workforce of 706 employees. These valuation and revenue figures indicate that the company maintains a significant presence in the regional banking landscape while managing substantial assets to support its diverse business lines.
वित्तीय स्वास्थ्य
The company reported a Total Revenue of $181.50M for the trailing twelve months, resulting in a Net Income of $54.59M, while EBITDA is listed as N/A in the available data. The substantial gap between revenue and net income reveals a highly efficient cost structure where operating expenses are minimized relative to total income generation. Regarding liquidity and cash management, the company holds $93.34M in cash, but Free Cash Flow is N/A, which suggests that cash generation metrics may be calculated differently for regional banks or are not disclosed in this specific dataset. The analysis of margins shows a Gross Margin of 0.0%, which is standard for financial institutions as their primary cost is the interest paid on deposits rather than the cost of goods sold. The Operating Margin stands at 50.0%, indicating that the company covers its operational costs effectively to generate profit before interest and taxes. Furthermore, the Profit Margin is 30.1%, demonstrating that the company retains a significant portion of its revenue as bottom-line earnings after all expenses. In terms of leverage, the company holds $93.34M in cash against $376.88M in total debt, though the Debt to Equity ratio is N/A. The current ratio is also N/A, meaning short-term liquidity is assessed through other regulatory capital metrics rather than this specific liquidity ratio. Return on Equity is 12.2% and Return on Assets is 1.1%, metrics that reveal management is effectively utilizing shareholder equity to generate returns while maintaining a conservative asset base typical of regional banks.
मूल्यांकन आकलन
The trailing twelve-month P/E Ratio is 9.61, while the Forward P/E is 7.70, implying that the market expects earnings growth that will compress the valuation multiple over the coming year. The Price to Book ratio is 1.08, which indicates that the stock is trading at a slight premium to its book value, suggesting investors value the bank's intangible assets and brand reputation beyond its tangible net worth. Alternative valuation metrics show a Price to Sales ratio of 4.54, while EV/EBITDA is N/A, providing context that traditional enterprise value multiples may not be applicable due to the specific capital structure of this holding company. The 52-week trading range spans from a low of $11.72 to a high of $15.50, providing a historical context for price volatility within the current fiscal year. The Beta is 0.78, indicating that the stock exhibits lower price volatility relative to the broader market, making it a less sensitive instrument to general market fluctuations compared to large-cap financials.
Growth & Income
Revenue Growth for the year over year is 6.7%, while Earnings Growth is 3.4%, indicating that earnings are growing at a slower pace than revenue, which often reflects margin compression or increased operational costs relative to income growth. The company offers a Dividend Yield of 4.9% with a Payout Ratio of 46.9%, suggesting that the dividend distribution is sustainable as it utilizes less than half of the generated earnings for distribution to shareholders. This payout ratio leaves ample room for retained earnings to be reinvested into the bank's portfolio or used to strengthen capital reserves against potential economic downturns. Overall, the growth and income profile presents a balanced approach with steady single-digit revenue expansion and a consistent, income-focused dividend strategy suitable for yield-seeking investors.