FARMERS NATIONAL BANC CORP /OH/ (FMNB)
State Commercial Banks · Financial Services · $851M
Intrinsic Value (Consensus)
$27.50
Current Price
$14.38
Margin of Safety
+91.2%
91.2% Below Intrinsic Value
Value: $28
Price: $14
Valuation Model Estimates
Current Price: $14.38
DCF (Discounted Cash Flow)
$38.05
Graham Number
$16.36
Earnings Power Value
$14.08
Relative Value (P/E)
$29.00
Dividend Discount Model
$40.00
Consensus Value
$27.50
Model Assumptions
Discount Rate
10.3%
Growth Rate
18.9%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
77
Profitability
18/25
Strength
24/25
Valuation
22/25
Growth
13/25
Financial Health Signals
Low debt — conservative balance sheet
Strong earnings growth (19% YoY)
Key Financials
- EPS (TTM)
- $1.45
- EPS (Forward)
- $1.72
- Book Value
- $8.21
- P/E Ratio
- 20.0
- Forward P/E
- 16.8
- PEG Ratio
- —
- ROE
- 11.2%
- Debt/Equity
- 18%
- Revenue Growth
- 3.9%
- Earnings Growth
- 18.9%
- Dividend Yield
- 0.4%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance