Filing Flows › Farmers National Banc (FMNB) › Q4 2025
Farmers National Banc (FMNB) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 5, 2026
Farmers National Banc (FMNB) reported revenue of $71.5M for the fourth quarter 2025 (Q4 2025), +3% from a year earlier and +1% from the quarter before. Operating margin was 24.8%, net earnings $14.6M (20.5% of revenue).
Farmers National Banc, Q4 2025: revenue $71.5M (+3% year over year), operating margin 24.8%, net earnings $14.6M, operating cash flow $19.6M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $71.5M | +1% | +3% |
| Operating profit | $17.7M | +21% | +0.3% |
| Net earnings | $14.6M | +17% | +2% |
| Operating cash flow | $19.6M | +83% | +58% |
| Free cash flow | $18.6M | +105% | +132% |
What changed
Revenue was $71.5M in Q4 2025, up 3% year over year and up 1% from the previous quarter.
Operating profit was $17.7M, a 24.8% margin (down 0.7 points year over year). Of the extra revenue versus a year earlier, 2% reached operating profit, below the 26% margin then. Total costs grew 4% against revenue growth of 3%. Net earnings were $14.6M, up 2% year over year. The effective tax rate was 17.5%.
Operating cash flow was $19.6M (up 58% year over year), 134% of net earnings. Non-cash charges added back $1.7M of depreciation and amortization and $563K of share-based compensation. Working capital and other items added $2.7M. Capital expenditures of $1.1M left free cash flow of $18.6M.
Questions
What was Farmers National Banc's revenue in the fourth quarter 2025?
Farmers National Banc (FMNB) reported revenue of $71.5M for the fourth quarter 2025 (Q4 2025), +3% from a year earlier and +1% from the quarter before.
Was Farmers National Banc profitable in the fourth quarter 2025?
Operating profit was $17.7M (24.8% of revenue) and net earnings $14.6M.