Farmers National (FMNB) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

By Zacks Equity Research | October 22, 2025, 9:30 AM

For the quarter ended September 2025, Farmers National Banc (FMNB) reported revenue of $47.74 million, up 8% over the same period last year. EPS came in at $0.42, compared to $0.23 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $47.4 million, representing a surprise of +0.71%. The company delivered an EPS surprise of +2.44%, with the consensus EPS estimate being $0.41.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Farmers National performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Efficiency Ratio: 62.7% versus the two-analyst average estimate of 57.5%.
  • Net Interest Margin: 3% versus 3% estimated by two analysts on average.
  • Average Earning Assets [$M]: $4.92 billion versus the two-analyst average estimate of $4.91 billion.
  • Total Noninterest Income: $11.43 million compared to the $11.75 million average estimate based on two analysts.

View all Key Company Metrics for Farmers National here>>>

Shares of Farmers National have returned -4.7% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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Farmers National Banc Corp. (FMNB): Free Stock Analysis Report

This article originally published on Zacks Investment Research (zacks.com).

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