FMNB

Farmers National BancC

Nasdaq / Banks

At close

2026-07-21

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

Value remains the lead driver in the composite, 7D delta -0.0.

What can break

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

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

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

Data freshness

Prices

As of 2026-07-21

Fundamentals

As of 2026-07-20 • Vendor: Data Vendor v1

Scores

As of 2026-07-21 • Model: HYBRID_IC_RP

AI Memo

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

Investment thesis

As of 2026-07-21

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Target $16.00

Why

Momentum35 · Δ7d -10.9

Value63 · Δ7d -0.0

Sentiment52 · Δ7d -4.3

So what

Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

-10.9

Δ21d

-1.5

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.0

Δ21d

+0.2

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-4.3

Δ21d

-3.8

Why this grade

Composite grade C. Momentum 35.3 / Value 63.0 / Sentiment 52.4

Fundamentals (TTM)

As of 2026-07-20

Market Cap

$863.95M

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 2026-07-21 • Updated nightlySource: Internal modelMethodology