Filing Flows › Farmers National Banc (FMNB) › Q3 2025
Farmers National Banc (FMNB) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 6, 2025
Farmers National Banc (FMNB) reported revenue of $70.8M for the third quarter 2025 (Q3 2025), +0.8% from a year earlier and +1% from the quarter before. Operating margin was 20.7%, net earnings $12.5M (17.6% of revenue).
Farmers National Banc, Q3 2025: revenue $70.8M (+0.8% year over year), operating margin 20.7%, net earnings $12.5M, operating cash flow $10.7M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $70.8M | +1% | +0.8% |
| Operating profit | $14.6M | -10% | +44% |
| Net earnings | $12.5M | -10% | +46% |
| Operating cash flow | $10.7M | -24% | -55% |
| Free cash flow | $9.0M | -27% | -56% |
What changed
Revenue was $70.8M in Q3 2025, up 1% year over year and up 1% from the previous quarter.
Operating profit was $14.6M, a 20.7% margin (up 6.3 points year over year). Of the extra revenue versus a year earlier, 845% reached operating profit, above the 14% margin then. Total costs fell 7% while revenue rose 1%. Net earnings were $12.5M, up 46% year over year. The effective tax rate was 14.9%.
Operating cash flow was $10.7M (down 55% year over year), 86% 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 $4.1M. Capital expenditures of $1.7M left free cash flow of $9.0M.
Questions
What was Farmers National Banc's revenue in the third quarter 2025?
Farmers National Banc (FMNB) reported revenue of $70.8M for the third quarter 2025 (Q3 2025), +0.8% from a year earlier and +1% from the quarter before.
Was Farmers National Banc profitable in the third quarter 2025?
Operating profit was $14.6M (20.7% of revenue) and net earnings $12.5M.