FMNB

Farmers National BancC

Nasdaq / Banks

At close

2026-07-18

Current thesis

Primary evidence supports a modestly constructive view: margin expanded through 2025, customer deposits excluding brokered CDs grew, and the Middlefield merger adds scale if integration stays clean.

Posture

Mixed

Lead driver

Value

What changed

Next scheduled catalyst: earnings 2026-07-21.

What can break

Core conversion slips or costs more than expected, delaying the targeted expense benefit.

Momentum

Value

Sentiment

Setup hits (3d)

— · Net —

AI TargetsBase $14.80 · Bull $16.50 · Bear $11.50

Earnings

2026-07-21

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2026-04-15 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net —

Target $16.00

Why

Momentum35 · Δ7d -5.9

Value63 · Δ7d -0.1

Sentiment51 · Δ7d -5.6

So what

Balanced signals. Wait for confirmation before sizing up.

Setup hits not loaded

Load setup hits to see net bias and recent triggers.

Load setup hits

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendFlat

Δ7d

-5.9

Δ21d

-11.9

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.1

Δ21d

+13.0

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-5.6

Δ21d

-0.9

Why this grade

Composite grade C. Momentum 35.2 / Value 63.1 / Sentiment 51.1

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$866.91M

Beta

0.87

Shares Out

59.22M

P/E (TTM)

9.3

P/S (TTM)

2.75

P/FCF (TTM)

31.22

Rev YoY

+19.2%

EPS YoY

+0.4%

Gross Margin

Op Margin

+35.4%

Net Debt

$355.47M

Current Ratio

0.11

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology