FMNB
Farmers National·NASDAQ
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5.22 / 10
Netural
FMNB's fundamental score of 5.22/10 indicates a balanced but unremarkable structure. Key strengths include a favorable Asset-MV (-0.5007) and Cash-MV (0.1376) profile, which historically yield higher returns. However, concerns persist in Net cash flow YoY (-25.44%) and Net profit margin (-2972.64%), signaling operational inefficiencies. The Income tax / Total profit ratio of 15.56% and PB-ROE of 1.41 further highlight tax and valuation pressures. Overall, the fundamentals lean neutral, requiring improvement in profitability metrics to enhance investment appeal.
Analysis Checks(7/10)
Revenue-MV
Value0.16
Score2/3
Weight14.70%
1M Return6.62%
Value0.16
Score2/3
Weight14.70%
1M Return6.62%
Profit-MV
Value0.18
Score1/3
Weight0.38%
1M Return0.21%
Value0.18
Score1/3
Weight0.38%
1M Return0.21%
PB-ROE
Value1.41
Score1/3
Weight1.23%
1M Return0.61%
Value1.41
Score1/3
Weight1.23%
1M Return0.61%
Net profit margin (%)
Value-2972.64
Score2/3
Weight1.62%
1M Return0.86%
Value-2972.64
Score2/3
Weight1.62%
1M Return0.86%
Asset-MV
Value-0.50
Score2/3
Weight24.75%
1M Return9.65%
Value-0.50
Score2/3
Weight24.75%
1M Return9.65%
Days sales outstanding
Value72.55
Score2/3
Weight2.42%
1M Return1.29%
Value72.55
Score2/3
Weight2.42%
1M Return1.29%
Net income-Revenue
Value0.54
Score2/3
Weight7.85%
1M Return3.69%
Value0.54
Score2/3
Weight7.85%
1M Return3.69%
Net cash flow from operating activities (YoY growth rate %)
Value-25.44
Score3/3
Weight18.85%
1M Return9.56%
Value-25.44
Score3/3
Weight18.85%
1M Return9.56%
Income tax / Total profit (%)
Value15.56
Score1/3
Weight0.73%
1M Return0.43%
Value15.56
Score1/3
Weight0.73%
1M Return0.43%
Cash-MV
Value0.14
Score3/3
Weight27.47%
1M Return18.75%
Value0.14
Score3/3
Weight27.47%
1M Return18.75%
Revenue-MV
Value0.16
Score2/3
Weight14.70%
1M Return6.62%
Value0.16
Score2/3
Weight14.70%
1M Return6.62%
Days sales outstanding
Value72.55
Score2/3
Weight2.42%
1M Return1.29%
Value72.55
Score2/3
Weight2.42%
1M Return1.29%
Profit-MV
Value0.18
Score1/3
Weight0.38%
1M Return0.21%
Value0.18
Score1/3
Weight0.38%
1M Return0.21%
Net income-Revenue
Value0.54
Score2/3
Weight7.85%
1M Return3.69%
Value0.54
Score2/3
Weight7.85%
1M Return3.69%
PB-ROE
Value1.41
Score1/3
Weight1.23%
1M Return0.61%
Value1.41
Score1/3
Weight1.23%
1M Return0.61%
Net cash flow from operating activities (YoY growth rate %)
Value-25.44
Score3/3
Weight18.85%
1M Return9.56%
Value-25.44
Score3/3
Weight18.85%
1M Return9.56%
Net profit margin (%)
Value-2972.64
Score2/3
Weight1.62%
1M Return0.86%
Value-2972.64
Score2/3
Weight1.62%
1M Return0.86%
Income tax / Total profit (%)
Value15.56
Score1/3
Weight0.73%
1M Return0.43%
Value15.56
Score1/3
Weight0.73%
1M Return0.43%
Asset-MV
Value-0.50
Score2/3
Weight24.75%
1M Return9.65%
Value-0.50
Score2/3
Weight24.75%
1M Return9.65%
Cash-MV
Value0.14
Score3/3
Weight27.47%
1M Return18.75%
Value0.14
Score3/3
Weight27.47%
1M Return18.75%
Is FMNB undervalued or overvalued?
- FMNB scores 5.22/10 on fundamentals and holds a Fair valuation at present. Backed by its 9.16% ROE, 29.60% net margin, 9.38 P/E ratio, 1.09 P/B ratio, and 16.00% earnings growth, these metrics solidify its Netural investment rating.
