NASDAQ$FMNB

Farmers National Banc Corp · Q2 2024 earnings

Q2 2024 earnings · · Investor relations

Briefing

Farmers National Banc Corp. reported earnings for the second quarter of 2024, with net income of $11.8 million and earnings per diluted share of $0.31.

Farmers National Banc Corp. reported a net income of $11.8 million, or $0.31 per diluted share, for the second quarter of 2024. The results reflect strong loan growth and sequential improvement in net interest income, with a continued focus on asset quality.

  • Earnings per diluted share of $0.31 ($0.33 excluding certain items, non-GAAP) for the second quarter of 2024.
  • The company achieved 166 consecutive quarters of profitability.
  • Net interest margin saw sequential stabilization and expansion.
  • Loan growth reached $56.1 million, or 7.0% annualized, for the second quarter of 2024.

Headline financials

Total Revenue

$41.7M

Previous: $44M-5.3%
EPS

$0.31

Previous: $0.41-24.4%
Loan to Deposit Ratio

77.0%

No prior period
Free Cash Flow

$11.8M

Previous: $15M-21.3%
Net Income

$11.8M

Previous: $15M-21.3%
Operating Income

$8.67M

Previous: $18.5M-53.2%
Gross Profit

$40.6M

Previous: $44M-7.8%
Cash & Equivalents

$23.8M

Previous: $29.8M-20.1%
Total Assets

$5.16B

Previous: $5.07B+1.6%
Stock-Based Comp

$626K

Previous: $649K-3.5%

Revenue & EPS history

Farmers National · Revenue · Quarterly

$41.7M

Q2 2024-5.3%vs Q2 2023
Beat estimate in 7 of 14 quarters(50%)
ActualEstimate

Forward guidance

Farmers National Banc Corp. anticipates total loan growth of approximately 1.5% - 2% in 2024, reflecting the challenging economic and interest rate environment, as well as the Company’s focus on maintaining excellent asset quality.

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 Q2 2024

Historical avgQ2 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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