NASDAQ$FMNB

Farmers National Banc Corp · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

Reported strong results for the first quarter of 2024.

Farmers National Banc Corp. reported a solid start to 2024, with net income of $11.2 million, or $0.30 per diluted share. Excluding a pretax item for the loss on the sale of investment securities, net income was $12.9 million, or $0.34 per diluted share. The company strategically restructured investment securities, improved asset quality, and experienced deposit growth.

  • Earnings per diluted share were $0.30, or $0.34 excluding certain items (non-GAAP).
  • The company achieved 165 consecutive quarters of profitability.
  • A strategic restructuring of $44.3 million in investment securities improved the yield by almost 200 basis points, incurring a $2.1 million loss on the sale.
  • Deposit growth of $20.7 million, or 2.0% annualized, was achieved during the quarter.

Headline financials

Total Revenue

$40M

Previous: $47M-14.9%
EPS

$0.30

Previous: $0.44-31.8%
Net Interest Margin

2.7%

No prior period
Loan to Deposit Ratio

75.8%

No prior period
Free Cash Flow

$11.2M

Previous: $7.08M+58.9%
Net Income

$11.2M

Previous: $7.08M+58.9%
Operating Income

$9.98M

Previous: $17.9M-44.1%
Gross Profit

$39.6M

Previous: $38.4M+3.0%
Cash & Equivalents

$23M

Previous: $30.5M-24.7%
Total Assets

$5.08B

Previous: $5.11B-0.6%
Stock-Based Comp

$662K

Previous: $615K+7.6%

Revenue & EPS history

Farmers National · Revenue · Quarterly

$40M

Q1 2024-14.9%vs Q1 2023
Beat estimate in 7 of 14 quarters(50%)
ActualEstimate

Forward guidance

The Company anticipates loan growth of 1-2% in 2024, reflecting a challenging economic and interest rate environment. Bond market volatility is expected to continue, and the Company anticipates allowing the securities portfolio to shrink via runoff to optimize profitability and liquidity.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2024

Historical avgQ1 2024

-0.0%

Avg return

Earnings day

-0.6%

Avg return

5 days after

+1.8%

Avg return

30 days after

50%

33 / 66 earnings

Positive

+8.6%

Q2 2024

Best reaction

-9.3%

Q2 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.5%+3.3%+3.1%
Q4 2025-6.2%-4.2%-4.9%
Q3 2025-4.7%-3.7%-4.6%
Q2 2025-1.0%-2.6%+1.7%
Q1 2025+2.7%+5.1%+13.2%
Q4 2024+2.6%+0.1%+5.7%
Q3 2024-7.1%-5.4%+5.8%
Q2 2024+8.6%+4.9%+2.5%
Q1 2024-3.7%-5.1%-2.1%
Q4 2023+3.9%+4.0%+0.0%
Q3 2023+4.1%+5.0%+18.5%
Q2 2023-1.4%-0.6%-8.7%
Q1 2023+3.4%+8.2%+10.1%
Q4 2022-8.2%-4.0%-0.3%
Q3 2022-2.5%-0.1%+10.4%
Q2 2022-9.3%-8.4%-7.0%
Q1 2022-1.2%-0.4%-0.4%
Q4 2021-3.8%-4.5%-5.1%
Q3 2021+4.6%-0.7%-1.9%
Q2 2021-0.8%-0.3%+3.6%
Q1 2021+2.2%+0.0%+5.7%
Q4 2020+3.3%+3.1%+3.7%
Q3 2020+1.5%-4.4%+12.2%
Q2 2020-0.5%-0.3%+5.3%
Q1 2020-3.1%-13.2%-5.2%
Q4 2019+1.1%+1.1%-5.2%
Q3 2019-1.0%-0.5%+2.2%
Q2 2019-0.6%+0.8%-7.7%
Q1 2019+2.0%+4.8%+2.6%
Q4 2018+0.2%+3.7%+15.1%
Q3 2018-0.1%-4.9%-3.5%
Q2 2018+1.2%+3.4%-2.5%
Q1 2018+2.4%+3.8%+9.3%
Q4 2017-2.3%-8.8%-8.2%
Q3 2017+2.3%-5.5%-8.1%
Q2 2017-4.7%-6.8%-8.8%
Q1 2017+3.8%+6.4%+2.3%
Q4 2016+1.5%-8.6%+4.1%
Q3 2016+1.0%+0.9%+12.3%
Q2 2016+2.8%+9.4%+7.9%
Q1 2016-0.1%
Q4 2015-0.1%
Q3 2015+0.0%
Q2 2015+1.1%
Q1 2015-1.9%
Q4 2014+0.3%
Q3 2014-1.1%
Q2 2014+1.4%
Q1 2014-1.7%
Q4 2013+3.9%
Q3 2013-0.3%
Q2 2013+1.0%
Q1 2013-2.1%
Q4 2011+0.0%
Q4 2012+2.1%
Q3 2012+0.0%
Q2 2012-4.1%
Q1 2012-1.2%
Q4 2009+1.9%
Q3 2011+1.9%
Q4 2010+0.9%
Q2 2011+0.9%
Q1 2011+1.0%
Q3 2010+1.4%
Q2 2010+0.0%
Q1 2010+0.2%

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