Filing Flows › Farmers National Banc (FMNB) › Q2 2025
Farmers National Banc (FMNB) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 7, 2025
Farmers National Banc (FMNB) reported revenue of $69.8M for the second quarter 2025 (Q2 2025), +5% from a year earlier and +3% from the quarter before. Operating margin was 23.4%, net earnings $13.9M (19.9% of revenue).
Farmers National Banc, Q2 2025: revenue $69.8M (+5% year over year), operating margin 23.4%, net earnings $13.9M, operating cash flow $14.0M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $69.8M | +3% | +5% |
| Operating profit | $16.3M | -0.2% | +15% |
| Net earnings | $13.9M | +2% | +18% |
| Operating cash flow | $14.0M | -11% | -16% |
| Free cash flow | $12.4M | +2% | -14% |
What changed
Revenue was $69.8M in Q2 2025, up 5% year over year and up 3% from the previous quarter.
Operating profit was $16.3M, a 23.4% margin (up 2.1 points year over year). Of the extra revenue versus a year earlier, 64% reached operating profit, above the 21% margin then. Total costs grew 2% against revenue growth of 5%. Net earnings were $13.9M, up 18% year over year. The effective tax rate was 14.8%.
Operating cash flow was $14.0M (down 16% year over year), 101% of net earnings. Non-cash charges added back $1.7M of depreciation and amortization and $645K of share-based compensation. Working capital and other items used $2.3M. Capital expenditures of $1.6M left free cash flow of $12.4M.
Questions
What was Farmers National Banc's revenue in the second quarter 2025?
Farmers National Banc (FMNB) reported revenue of $69.8M for the second quarter 2025 (Q2 2025), +5% from a year earlier and +3% from the quarter before.
Was Farmers National Banc profitable in the second quarter 2025?
Operating profit was $16.3M (23.4% of revenue) and net earnings $13.9M.