Farmers National Banc (FMNB) reported $49.12 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 11.3%. EPS of $0.40 for the same period compares to $0.39 a year ago.
The reported revenue represents a surprise of -2.06% over the Zacks Consensus Estimate of $50.15 million. With the consensus EPS estimate being $0.47, the EPS surprise was -14.29%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Farmers National performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio: 57.1% compared to the 54.5% average estimate based on three analysts.
- Average Earning Assets [$M]: $4.94 billion versus the three-analyst average estimate of $4.99 billion.
- Net Interest Margin: 3.1% versus the three-analyst average estimate of 3.1%.
- NCOs/ Average Loans: 0.6% versus 0.1% estimated by two analysts on average.
- Total Noninterest Income: $12.1 million compared to the $12.06 million average estimate based on three analysts.
- Service charges on deposit accounts: $1.83 million compared to the $1.95 million average estimate based on two analysts.
- Net Interest Income ( tax-equivalent ): $37.65 million versus $38.67 million estimated by two analysts on average.
- Retirement plan consulting fees: $1.01 million versus the two-analyst average estimate of $0.95 million.
- Net Interest Income: $37.02 million versus $38.05 million estimated by two analysts on average.
- Trust fees: $3.08 million versus $2.89 million estimated by two analysts on average.
View all Key Company Metrics for Farmers National here>>>
Shares of Farmers National have returned +1.3% over the past month versus the Zacks S&P 500 composite's +0.8% 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 ReportThis article originally published on Zacks Investment Research (zacks.com).
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