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Farmers National Banc cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$28.1M in Q3 2026 · $79.6M over twelve months

Operating cash flow$28.9M
Capital spending−$880K
Free cash flow+$28.1M
Cash / net income2.0×

Analysis

In Q3 2026, Farmers National Banc generated $28.9M of operating cash flow and spent $880K on capital projects, leaving free cash flow of $28.1M. That is $19.0M more than in Q3 2025 ($9.0M).

Over the twelve months to Sep 30, 2026, operating cash flow was $82.7M; the largest uses were other financing ($77.5M), dividends ($33.4M), capital spending ($3.0M); besides operations, cash came from net borrowing (+) / repaid (−) ($47.0M), other investing ($3.6M); the cash balance rose by $19.6M.

Operating cash flow was $28.9M against net income of $14.5M — 2.0× profit, cash ran ahead of reported earnings. The largest differences: depreciation & amortization +$2.7M, stock-based pay +$812K, other operating capital +$715K.

Free cash flow

Farmers National Banc: free cash flow by quarterFarmers National Banc: free cash flow by quarter$8.0MQ4 2024$12.2MQ1 2025$12.4MQ2 2025$9.0MQ3 2025$18.6MQ4 2025$7.1MQ1 2026$26.0MQ2 2026$28.1MQ3 2026
Operating cash flow less capital spending.
Farmers National Banc: operating cash flow against capital spendingFarmers National Banc: operating cash flow against capital spendingOperating cash flowCapital spending$12.4M$4.4MQ4 2024$15.7M$3.5MQ1 2025$14.0M$1.6MQ2 2025$10.7M$1.7MQ3 2025$19.6M$1.1MQ4 2025$7.6M$507KQ1 2026$26.5M$568KQ2 2026$28.9M$880KQ3 2026
Latest (Q3 2026): Operating cash flow $28.9M, Capital spending $880K.

Capital allocation, year by year

Farmers National Banc: where the cash came from (up) and went (down), by fiscal yearFarmers National Banc: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $54.9MFY2021: Net borrowing $2KFY2021: Asset sales $37KFY2021: Capital spending −$1.4MFY2021: Buybacks −$164KFY2021: Dividends −$14.1M$55.0MFY2021FY2022: Operating cash flow $81.5MFY2022: Net borrowing $95.0MFY2022: Asset sales $1.4MFY2022: Capital spending −$2.6MFY2022: Dividends −$22.0M$178MFY2022FY2023: Operating cash flow $62.9MFY2023: Net borrowing $185MFY2023: Asset sales $533KFY2023: Capital spending −$3.9MFY2023: Buybacks −$11.5MFY2023: Dividends −$25.4M$248MFY2023FY2024: Operating cash flow $66.6MFY2024: Net borrowing −$50.0MFY2024: Asset sales $331KFY2024: Capital spending −$11.7MFY2024: Dividends −$25.4M$66.9MFY2024FY2025: Operating cash flow $60.0MFY2025: Net borrowing −$24.0MFY2025: Asset sales $298KFY2025: Capital spending −$7.9MFY2025: Dividends −$25.5M$60.3MFY2025
Over these 5 years operating cash flow totalled $326M; the largest uses were dividends ($112M) and net borrowing ($74.0M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$0
Debt$522M
Net debt$522M

Farmers National Banc funds itself: free cash flow was $79.6M over the last twelve months, and $0 of cash and investments stands against $522M of debt.

Where the cash came from and went

Farmers National Banc: sources (+) and uses (−) of cash, Q3 2026Farmers National Banc: sources (+) and uses (−) of cash, Q3 2026Other investing−$114MNet borrowing (+) / repaid (−)$66.0MCash drawn (+) / kept (−)$52.8MOperating cash flow$28.9MOther financing−$22.3MDividends−$10.6MCapital spending−$880KTaxes on employees’ shares−$159K
Farmers National Banc: sources (+) and uses (−) of cash, TTM to Q3 2026Farmers National Banc: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$82.7MOther financing−$77.5MNet borrowing (+) / repaid (−)$47.0MDividends−$33.4MCash drawn (+) / kept (−)−$19.6MOther investing$3.6MCapital spending−$3.0MAsset & business sales$1.3MTaxes on employees’ shares−$1.0M

From profit to cash

Farmers National Banc: net income to operating cash flow, Q3 2026Farmers National Banc: net income to operating cash flow, Q3 2026Net income$14.5MDepreciation & amortization$2.7MStock-based pay$812KOther operating capital$715KOperating cash flow$28.9M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$28.9M−$880K−$10.6M$66.0M$52.8M$28.1M
Q2 2026$26.5M−$568K−$10.0M$20.0M$21.3M$26.0M
Q1 2026$7.6M−$507K−$6.4M−$85.0M−$93.7M$7.1M
Q4 2025$19.6M−$1.1M−$6.4M$46.0M−$12K$18.6M
Q3 2025$10.7M−$1.7M−$6.4M$32.0M−$1.6M$9.0M
Q2 2025$14.0M−$1.6M−$6.4M$101M$22.5M$12.4M
Q1 2025$15.7M−$3.5M−$6.4M−$203M−$27.5M$12.2M
Q4 2024$12.4M−$4.4M−$6.3M$20.0M$103M$8.0M

Farmers National Banc: income statement and cash flow

Farmers National Banc, Q3 2026: revenue $96.4M (+36% year over year), operating margin 17.0%. The chart follows the revenue to costs, profit and cash.

Farmers National Banc: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.