Core Insights - Farmers National Banc (FMNB) reported a revenue of $44.15 million for the quarter ended December 2024, reflecting a year-over-year decline of 1.9% and an EPS of $0.39 compared to $0.41 a year ago, with a revenue surprise of +0.12% over the Zacks Consensus Estimate [1] - The EPS surprise was +14.71% compared to the consensus estimate of $0.34 [1] Financial Performance Metrics - Efficiency Ratio was reported at 56.4%, better than the estimated 60.8% by three analysts [4] - Net Interest Margin stood at 2.7%, matching the average estimate of three analysts [4] - Average Earning Assets were $4.91 billion, slightly below the estimated $5 billion by three analysts [4] - Non-Performing Loans (NCOs) to Average Loans ratio was 0.1%, consistent with the average estimate [4] - Total Noninterest Income was $11.41 million, exceeding the average estimate of $10.82 million [4] - Trust fees were reported at $2.70 million, below the average estimate of $2.90 million [4] - Service charges on deposit accounts were $1.89 million, slightly above the average estimate of $1.86 million [4] - Net Interest Income (tax-equivalent) was $33.36 million, below the average estimate of $33.90 million [4] - Net Interest Income was reported at $32.74 million, lower than the estimated $33.64 million [4] Stock Performance - Shares of Farmers National have returned -3.6% over the past month, contrasting with the Zacks S&P 500 composite's +1.7% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]
Here's What Key Metrics Tell Us About Farmers National (FMNB) Q4 Earnings