Filing Flows › Financials › Farmers National Banc (FMNB)
Farmers National Banc (FMNB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Farmers National Banc (FMNB) Q3 2026 earnings results →
Q3 2026 Revenue up 36% year over year to $96.4M · 15¢ of every $1 of revenue kept as net profit · operating margin 17.0%
Farmers National Banc made $96.4M in Q3 2026 (+36% Y/Y). Operating margin 17.0%, net earnings $14.5M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $96.4M in Q3 2026, up 36% year over year and down 4% from the previous quarter.
Operating profit was $16.4M, a 17.0% margin (down 3.6 points year over year). Of the extra revenue versus Q3 2025, 7% reached operating profit, below the 21% margin then. Total costs grew 42% against revenue growth of 36%. Net earnings were $14.5M, up 17% year over year. The effective tax rate was 11.6%.
Operating cash flow was $28.9M (up 170% year over year), 199% of net earnings. Non-cash charges added back $2.7M of depreciation and amortization and $812K of share-based compensation. Working capital and other items added $10.9M. Capital expenditures of $880K left free cash flow of $28.1M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $96.4M | +36% | 17.0% | $14.5M | $28.9M |
| Q2 2026 | 10-Q | Aug 6, 2026 | $101M | +44% | 27.0% | $23.0M | $26.5M |
| Q1 2026 | 10-Q | May 7, 2026 | $80.8M | +19% | 24.7% | $16.3M | $7.6M |
| Q4 2025 | 10-K | Mar 5, 2026 | $71.5M | +3% | 24.8% | $14.6M | $19.6M |
| Q3 2025 | 10-Q | Nov 6, 2025 | $70.8M | +0.8% | 20.7% | $12.5M | $10.7M |
| Q2 2025 | 10-Q | Aug 7, 2025 | $69.8M | +5% | 23.4% | $13.9M | $14.0M |
| Q1 2025 | 10-Q | May 8, 2025 | $67.8M | +7% | 24.1% | $13.6M | $15.7M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Farmers National Banc
Farmers National Banc Corp. (the “Company,” “Farmers,” “we,” “our” or “us”), is a financial holding company that was organized as a one-bank holding company in 1983 under the laws of the State of Ohio and registered under the Bank Holding Company Act of 1956, as amended (the “BHCA”). Amendments to the BHCA in 1999 allowed for a bank holding company to declare itself a financial holding company and thereby engage in financial activities, including securities underwriting and dealing, insurance agency and underwriting activities, and merchant banking activities. The Company made the declaration to become a financial holding company in 2016.
In its own words, from its 10-K, filed Mar 5, 2026.
Farmers National Banc against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +36% against the peers' median +12%. Operating margin: 17.0% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| FMNB Farmers National Banc | Q3 2026 | $96.4M | +36% | 17.0% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Farmers National Banc 10-Q on SEC EDGAR · CIK 709337 · State Commercial Banks
13F: who owns FMNB and who is buying
More on FMNB
- How Farmers National Banc makes money: revenue by segment
- Farmers National Banc next earnings date and what analysts expect
- Farmers National Banc stock forecast, price target and fair value
- Who owns Farmers National Banc stock: holders, funds and Congress trades
- Farmers National Banc guidance and outlook
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results