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FMNB

Farmers National Banc Corp
Chart
15.19 USD
Latest Week 2026-07-24
Financial ServicesBanks - RegionalSMALL
Snapshot 2026-07-26 · 0.4w · Fresh
0.82
OS Score
66.0%
Value
66.0%
Quality
67.0%
Momentum
7/9
F-Score
0.660
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
10 of 23 passing
★
OS Composite
OS 0.820
↗
Trending Value
✗
◆
Quality × Value
QV 0.660
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
F7
🔬
Quality Compounders
✗
📈
Consistent Earners
Yes
🌱
GARP
✗
🔄
Shareholder Yield
4.5%
💰
High Yield
Div 4.5%
🚀
Momentum Leaders
12-1 15%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 66%
🛡
Low Volatility
Vol 19%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 1.00
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
66.0%ile
P/E
15.1×
P/S
3.1×
P/B
1.1×
E/P
0.0608
FCF Yield
0.057
EBITDA/EV
0.067
SH Yield
0.045
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
65.00000000
/100 — 1=cheapest
VC2 (Trending Value)
33.00000000
/100
VC3 (Buyback)
36.00000000
/100
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
66.0%ile
ROE
0.076
ROA
0.008
Net Margin
0.208
Op Margin
0.253
GPA
0.027
D/E
8.11
Current
0.03
F-Score
7/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.032
Earn Growth
0.183
Stability
0.180
lower=better
Accruals
0.000
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 8.11 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
67.0%ile
6M Return
14.4%
12M Return
18.4%
12-1 Mom
15.1%
Risk-Adj
0.78
Vol 252d
19.4%
Vol 60d
42.3%
↑ Expanding
Max DD 12M
-14.9%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
Near-term vol (42%) is expanding vs long-term (19%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.82
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
23.6%
Sector Quality %ile
40.5%
P/E z-score
-0.09
P/B z-score
-0.06
Sector Avg OS
85.1%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
BAP Credicorp Ltd 99.0% 97.0% 96.0% 90.0%
IFS Intercorp Financial Services Inc 99.0% 98.0% 83.0% 90.0%
RILYL BRC Group Holdings, Inc. 99.0% 95.0% 88.0% 95.0%
UVE Universal Insurance Holdings Inc 99.0% 97.0% 92.0% 92.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 88.0% 90.0%
MCY Mercury General Corporation 98.0% 95.0% 83.0% 87.0%
RNR Renaissancere Holdings Ltd 98.0% 96.0% 96.0% 77.0%
HG Hamilton Insurance Group, Ltd. 98.0% 96.0% 81.0% 91.0%
Factor Interactions
Strong Capital Return
Shareholder yield 4.5% backed by 5.7% FCF yield. Returns are well-funded.
Volatility Expanding
60-day vol (42%) significantly exceeds 252-day (19%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
62.8% avg (7 factors)
Quality
D
33.0% avg (8 factors)
Momentum
C
51.8% avg (4 factors)
Risk
A
84.3% avg (1 factors)
Deep value territory, but quality is concerning. This is either a turnaround opportunity or a value trap — the F-Score and accruals ratio will be key differentiators.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends8 snapshots
Factor Persistence8 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.820—1—
Value %ile0.660—0—
Quality %ile0.660—0—
Momentum %ile0.670—0—
F-Score7.000—8—
Confidence1.000—8—
Volatility0.194—5—
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
15.09
Earnings Yield (E/P)
0.0608
Price / Sales
3.14
Price / Book
1.15
Price / Cash Flow
14.98
FCF Yield
5.7%
EBITDA / EV
6.7%
Sales Yield (1/P·S)
0.2404
Shareholder Yield
Div + net buyback / mktcap
4.5%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
7.6%
Return on Assets
0.8%
Net Margin
20.8%
Operating Margin
25.3%
Gross Profit / Assets
Novy-Marx GPA
2.7%
Debt / Equity
8.11
Current Ratio
0.03
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.000
External Financing
Net issuance — lower=better
0.000
MomentumPrice trend strength over different horizons
6M Return
14.4%
12M Return
18.4%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
15.1%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.78
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
3.2%
Earnings Growth (YoY)
18.3%
Earnings Stability (CV)
Lower = more stable
0.180
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
7
Dividend Yield
4.5%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
65
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
33
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
36
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity